Financial Audit - The Dumbest Person I've Ever Met | Financial Audit

Episode Date: August 7, 2024

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Terms apply. One, two, three, me off a piece of a beer, a piece of that Kikat bar! Have a break. Have a Kit Kat. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I inherited $60,000 and blew in three months. What the fuck? How did we spend that? You got to be careful what women used to end yourself with.

Are we blaming the world? All things considered, I'm so lucky that I didn't have a kid with some psycho. You'd be the psycho to have the kid with, sorry. Do you have your guitar with you? Yeah. at least test your talents. This is where I push the red button going, and go, and...

Hello, my name is Beamy. I am 29 from Austin, Texas, and this is Financial Audit. Oh, same age here in Austin. That's kind of fun. I haven't done someone my same age in a while. We can compare and contrast to a wrap. Yes.

What do you do for a living here in Austin, Texas? Yeah, so I'm a musician and a writer, primarily. Musician and a writer? Okay. an education for over five years with the school district. Here? Yeah, in Austin, yeah. Musician, you know, some people make a living in Austin.

So how are you doing? Not well, yeah. Oh, okay, well. Yeah, it's a thing, and it's not very fun. It's not very fun. Then why are you doing it? I mean, I'm transitioning. I'm kind of like.

What are you getting your tits? I would like to. to I think that... No one liked that joke. I thought it was funny. That's awesome. Okay, sorry, go ahead. The joke we call that humor.

I'm dabbling in acting, so I'd like to be an actor to be in... Oh, okay. Well, you seem to be doing all, like, the fun, like, I hope I'm good at this, careers. Right. So, music... What are you making right now? Nothing.

I mean... Well, how are you living right now? I'm barely. I'm I mean I'm so. People love it when no one makes money on the show. So like I don't spend that much money, but I haven't made that much money in a long time. So it's been really difficult to, uh, you know, like earn, save money up, but I. Wait, so how do you get?

You say you don't spend much money. How much did you spend last month? I don't know. Give me a number. What do you think? Oh, what do I think? You don't spend much money. Like 1500, 2000.

I don't know. Less? Well, kind of in the middle. So 1,839. Yeah, cool. How did we spend that without making any money? When I saw money come in, what's shipped for $14. So, yeah, I've been doing grocery delivery on the side.

So that's money. What are you talking about that? It's just like it all goes back to gas. You do not spend $1,400 on gas. No, but like, you know, car insurance is $300. Spent $547 on gas. So a third. Yeah.

It's not insignificant. Yeah. So then, um, okay. 300 on car insurance, 81 on phone and phone bill and the rest. I have two dogs. So most of the things that I... Why do you have two dogs? No offense.

I want everyone to get dogs. I love dogs. That is not fair to the dogs that you have them, but you can't even pay bills. It's not their fault. Correct. Well, um, they are who have gotten me through all. the things that I've been working through. And so, like, I don't know. It was a, it was a couple years ago that I inherited $60,000 and blew in three months. What the fuck? Duh. Well, I got excited for

second. I was going to say, let's pay off the. Oh, and you have some matcha. Matches. Let me smell that. Okay, I want to smell that. Go for it. Let me make sure they drugged you with something. Hopefully. It could probably use it. It smells like water. They told me I was going to get to meet MC Hammer. I thought they meant MC Hammer. Yeah, that's funny. That's a good one. Okay, so when you took, so you blew $30,000 in a few months.

When was this? Is that how we were we are? This was in June of 2020. I found out that I had inheritance from seven years prior. So they basically went homeless and like was sleeping on the street and stuff. And like, we have gotten to 29 in very different path. For sure, yeah. I never got inheritance.

That would have been nice foot. Right? I didn't know I had it for seven years. I didn't know it was my money, but it turns out it was in my account the whole time. So while I'm like busking on the street, you know, for a dollar a day to get like a French loaf from the grocery store to see five. Why have you never like worked like an adult then? Well, I have. I mean, I worked in education for five years and I did sports broadcasting.

It's not like a few years ago. a few years ago, anyone could get almost any job they wanted with that job market. So it was just like as long as you had any kind of qualifications. Right. I'm oversimplifying that, but it wasn't like, there was a lot of choices going into this, obviously. Yeah, a lot of not great ones. I mean, I think that you got to be careful what women you surround yourself with, too. I think that I was in...

Are we blaming the world? I'm not blaming. I'm acknowledging... that I gave too much of myself to unhealthy people that I didn't put myself or my well-being first and through it just gave up everything. What? Yeah, fine. Yeah, give us some context of the situation.

Sure. So go ahead. I mean, like, what were you trying to say? Well, like when I inherited that $60,000. No, the people you surround yourself with. Well, I mean, I was just, didn't have a great family growing up. And my dad died when I was in high school. That's all right.

And he was like the one person that kind of gave me real life stuff. And so then from then on, I was just kind of winging it myself. And then my best friend. Was the inheritance through him? It was through his mom. But yeah, basically from him. Yeah. It went to him.

But then instead of going to him, it went to me because she died after he did. And, yeah. So like then, then, you know, the rest of the family that was. was left after him was just kind of manipulative like greedy people who just wanted to everything for themselves and kind of kept me in the dark on a lot of things as I was becoming a man and then by the time I was a man in the real world like I didn't have any clue what I was going on or what I was doing and then um yeah so like in December of 2019 was the first time I got I had a good job I was going to pay good I had my own apartment

What are you making? More than 20 an hour, I know at the time, and I had like a one bedroom. By the way, before we allowed the stories to go too long, context of the situation, they're probably like, okay, yeah, but order his finances, and that's fair. Yeah. You almost have no debt. You have a little bit of debt. I'm very lucky.

You have debt that the rest of us in the world, if we were responsible, could knock out in a single second. You, for some reason, are holding on to it like a child because you refuse to make any money, even the money you have you just spend. So you have a little bit of collections and a small little credit card. That's okay. All right. So go ahead with your story now that they know. So I mean.

Oh, and you're also like taking micro payday loans. Go ahead. So I believe in like living without ceilings. Like I, I've had in the past couple of years, I've had multiple jobs. Okay. Yeah. I have had a couple of jobs where it's like cool. I can like stay here for six months.

And in six months, I'll have everything paid off. and I'll be in a good spot financially. What does that have to do with ceilings? But in six, that is the ceiling of the six months. I'm like, I'm right. I'm doing all right. I'm doing decent. But I believe that it's in that time frame I could like basically struggle a little bit longer

to then have a much higher payoff where the skies are opened up. Right. We don't have to look at it. I believe in sacrifice. I guess that's what they call it. Yeah. I call it sacrifice. I think that sacrifices if played right and with the right, um, intent or like navigation.

Okay. Then why are we intent? Like, what are you talking about? That sounds great. I agree with that. Cool. You didn't do it. So what the fuck are we talking about?

I'm doing it. It's happening. Like I'm moving to Philadelphia next month and I got to like figure out. That's a sacrifice? Well, I mean, I don't have anything set up. So it's like I quit. I had a sacrifice. That sounds like a.

poor decision if you don't have anything set up it's a risk maybe but a oh what i believe it's a high risk high reward yeah you sound like you've done high risk high reward your entire life and so far the reward has been uh collections and taking out micro payday loans right so you move into philadelphia and not a cheap city uh well initially i was thinking in Pittsburgh but then i started yeah it's cheaper And then I was like, you know what? I can do whatever I want and I can figure out whatever I want and I'm afraid of nothing. So I'll just... Yeah, but this goes against what you were just talking about.

You had almost a responsible mindset for a second. And now you're talking like a child. I do go back and forth. I think that I'm a... I think that my childlike fantastical beliefs. in the future in the future compared tied with

what the fuck that I just walk into what are you talking about I think that things things can happen very quickly like whether we're talking six months three months one month and as I've made the wrong

choice in a lot of the past like few years it's taught me to move forward with better choices that and moving without any plan and no more money and taking out micro payday loans is a good choice.

Well, so I've realized that I should, I am not taking out micro payday loans anymore. I think that's a bad idea. And it's not helping. I've also realized like every bit of money that I make, most of it should be untouched. I mean, you're doing that like literally right now. So I don't know what you're talking about not going to do. You might you, by not going to do anymore. You mean like starting now, which I have no hope in because you're doing it right now.

So go ahead, sorry. Um, didn't you? And so. Well, like, there's a lot of things that I was doing two years ago that, that what? I mean, buying stuff that I didn't, shouldn't really be buying. I guess I didn't have money to buy. Or like, when I had that $60,000, I was just. Oh, yeah.

So how'd you go through that 60? My partner at the time wanted to get an RV. And so she paid over $25,000 for an RV that was actually like, she didn't know anything about like mechanics or cars or whatever. So it was like, it wasn't running. Did you consent to this purchase? Basically. I consented to everything that she wanted and just did it. And then, you know, she ordered a crap ton of takeout. I'm not blaming.

You just did again. And she ordered a crap ton of takeout. That's the reality of what happened. Yeah, but you just said you were agreeing and consenting to this. You didn't stand up and say like a word? I mean, I was there. I didn't open the RV either. Huh? Like the hood.

We should have checked under. the hood. When we did, it was just covered in trash. What, the RV? Yeah. You still have the RV? No, we left it in some random parking line, got out of there in, like, the desert of California. Yeah, it was a weird time. We were, like, sweating in the desert. So 25,000 hours left in the desert. Yes. And then, you know, the rest was spent on, like, Airbnb's and takeout food, and then getting her legal. She may have been an influence. Don't

me wrong. I'm not saying like it wasn't, it was 100% of your fault. I'm not saying that. But like you gotta have a little bit of a back of bone. You're consenting this whole thing. Like if you can't stand up at all for anything. What? Is that what you mentioned at the beginning? Surrounding yourself

surrounding yourself with bad people. Is that what you mean? Her and, but you did it. But you didn't do anything. I surrounded myself with her. Yeah, but you didn't say a word. Right. Which is, what I had to learn from it is like now I'm surrounded by nobody which is been also different someone that has negative dollars is a big learning lesson learning lessons some lessons are bigger than others yeah but also I don't think you learned because you're about to do the dumbest thing I've

ever heard of my life well I moved to Puerto Rico from January to April of this year and that was probably also the dumbest thing I've ever heard my life because you have nothing to show for it right um yeah you moved there with nothing and how are we right now with nothing um and I I slept on the sidewalk and I But I just don't How'd you get to Puerto Rico? I flew. I actually received a little bit of assistance.

Oh, okay. How? Like a program that like offered to pay for my relocation. What kind of program? What kind of program does that? Program that programs that help like homeless people and stuff. To get a home.

To go to Puerto Rico? Well, to go anywhere. It was like if you have a friend or love one anywhere in the country in the United States. They'll pay. What loved one was in Puerto Rico? Well, I had a friend that I used to work with that moved to San Juan like six months earlier.

So this program, you could be like, I have a friend here. Yeah. And they will just fly you there? Yeah. Well, obviously this didn't work because you're not there. Well, yeah. So when I got there, like, you know, I had to- Did they know where you were going?

They knew I was going to San Juan. Okay. This is Euphoria Calvin Klein, the new elixir collection, featuring three perfume intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive, magnetic elixir, sweet and romantic like a lingering touch, solar elixir, a radiant expression of joy, ultra concentrated for amplified impact and lasting power. Find your euphoria. Discover the Euphoria Elixir collection by Calvin Klein. They, yeah, and they knew I had a friend there, but they didn't necessarily, I don't guess they didn't know that, well, with my two dogs, like, I wouldn't be able to, well, I didn't know for sure either. Like, she had roommates and I couldn't stay with her, so I'd still figure it out on my own. So I was trying to. I'm listening to what kind of creatures in front of me right now? I absolutely hate misinformation. I see it all the time in the finance world and even worse in the news. All the bias and misinformation out there,

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Visit S-A-N.com slash Caleb or click the link in the description below to not only support me, but a group of journalists that are raising the bar on news and committed to bringing you the truth. Stay fully informed and download the Straight Arrow News app today. You don't, you don't, I don't think you've grown up. I don't think you're an adult. It's like you were raised in a jungle. I certainly spent my last two weeks in Puerto Rico in the jungle, eating coconuts. and bananas and sleeping in a hammock under the trees.

It just reminds me of... I did connect to Tarzan a lot. Skinny version of Tarzan. Yeah. It's Phil Collins soundtrack. Okay. It's incredible. All right.

I watched it as a kid. I think maybe it infested in my psyche a little too much. Okay. Yeah. Okay. What would you give yourself on a financial score? Zero being the absolute worst, 10 being the absolute best.

I think I'd like put it on two scales or two different. I just ask the simple question on a scale I give. Probably a four. You can invent your own scale but answer a question based on my scale. Probably a four. All things considered that I experienced like a nine because I'm so lucky. I'm so lucky that I didn't have a kid with some psycho.

I didn't like my debt is fairly small. You'd be the psycho to have the kid with. Sorry. Sorry. Sorry, you're just interesting. I'm not ready to be a father. That is. Yeah, no.

But I want to be. You can hardly take care of two dogs. You just left them for three months. I didn't leave them. They were with me. Oh, they came to Puerto Rico? They had the time of their lives. They're living in the jungle on the beach.

So this program paid for the dogs? Mm-mm. I got assistance for that. I started to go fund me. I'm just trying to figure how you paid for this. I got to go fund me and people donated to help me to get my dogs across. And then on the way back,

much as much as much as much of mootcher i'm not i i didn't know how long i'd be there it wasn't it wasn't for anything in your life i mean the inheritance i mean it's fine i mean every penny i have which may not be many pennies i've worked for in my life do you have any pennies you're in debt but i your net worth is negative you're borrowing from dave.com yeah well i don't think you're so i met this guy at the dog park and he was like oh just get dave and i was like yes the guy at the dog park that's who we listened to yeah well that's who it was there you know listen to the dogs next like I don't know what's is that where we might have a better idea of what to do than I do okay okay this capital one quicksilver it looks like you like almost paid it off but you didn't because still like almost five dollars of interest was accruing

then you put on there 183 dollars now the credit limit is only $200 you started over the credit limit which is insane so like what give us the give us the story of this card what is this to you because so so when I was in Puerto Rico, I was planning on paying off this thing. And then... This thing. Are you talking about this card? The credit card. Yeah, the credit.

And the job I had never processed my direct deposit paperwork. So they were giving me a cash check. And my bank didn't exist in Puerto Rico. And so all of my bank account that I pay this card from just ended up going to like negative $400. And I had like tons of cash in my pocket. So I was like... What's tons of cash?

like $400 in cash. Like enough to get my account back to zero but not and but I couldn't actually get it in my account because I didn't have a bank there and my bank was only in Texas and so that was you know I learned something from that. It's like if you travel, make sure you have access to your money in banks that exist there. Who do who would have known that? Why'd you come back? Well I am as a musician.

I had a show in Austin and that ended up. being I was like oh cool I'm gonna I had to pay over $400 just to fulfill the contract because they didn't sell enough tickets to uh where was it hosted? It was a Vulcan gas company and it was but

it was buying a organizer event probably like 300 people in there if tightly packed there were none they were like no but that's what you could fit like yeah but to butt probably yeah I've been there when it's full yeah there was like 10 total for everybody so like no one so you had to pay vulcan no i had to pay the organizer of

the man they do different pop-ups around the country how the f f f f did you commit to this how did they get you and then why did you commit to something that like do people know you not how are you it was a bit of a blind judgment i think where explain i was like well i'm from austin and this show's in Austin and it'll be a nice little homecoming because people will show up because I don't live there anymore and then I went and know who would show up I thought I had friends but I mean that would require a lot of friends I have more than I thought I have like eight well yeah it's my first experience with like marketing my own show and um are you saying you have 300 close friends well no I had to sell 35 tickets minimum and I sold 11 which isn't bad

but the the whatever that is 30 20 whatever like I had to pay for those tickets myself and like they find you how did you get it was a stupid Facebook ad why did you sign oh I was like oh play music I do that why did you sign this why did you sign this knowing that with the guys I'm asked you know that now I'm trying to figure out why in the moment because because with what you're doing with this Philadelphia I know one second normally I wouldn't care as much of about this because this already happened. But with this thing you're doing to Philadelphia, your life plan, it screams like you're just going to do something like this over and over and over and over again.

So I need to know why. Well, so I can understand that. And I think that a lot of people feel that I am doing the exact same thing I did when I left for Puerto Rico. But the difference is when I left for Puerto Rico, I was just overwhelmed about being in Austin. So like, I was desperate and I was like, I just got to get out of here. Overwhelmed?

Why? I mean, I was born and raised here. I've had nothing but traumatic and bad experiences my entire life around. What was traumatic? I mean, like, I didn't have a healthy mother growing up. I didn't have healthy people. I have to ask because, I mean, so many people make excuses on the show. So what was not healthy?

I need to make sure we're not making excuses. If it's valid, it's valid. If it's not. No, I mean, I'm talking like abuse, like a physical drug, violence. Okay. as in any type of abuse you can imagine all of the worst things that a parent can do to a child. And so like my dad also recognized that and he got custody of me. And he was a good figure to look up to.

And then right around the time that I was overcoming the, like the emotional impacts of what my mom put around me, he was getting cancer. and then I spent the next two years, like my first two years of high school, watching him shrivel up and die. And then my stepmom convinced me that I had to keep his death a secret. Like, I couldn't tell anybody. Then he died when I was 16.

I'll go back to junior year and pretend like he's home, like he's back home and everything's fine. None of my friends know, none of my teachers know. And for two years, I'm just like freaking out. Why would she say that, though? Psychos out there. I don't know. It was like, she was saying that,

if it became known that my dad was gone, then my mom would find out. My mom would try to get custody of me and all this stuff. It's like none of that is going to happen within two years. While I'm also like at the age of 17, I can emancipate. Sure, sure, sure. There's a lot of evidence already in court against, like it was just kind of unnecessary. Okay.

But I believed her at the time. And so I did. I kept it all within and that didn't help me. And so then, you know, all the, like, she taught me how to shave. Like, it, it did, none of it felt right. And so all the like adult conversations it would have been having with my dad, I didn't get to have. And then, yeah, I just. As the crispy chicken sandwich from 7-Eleven, people always call me loud.

And I'm like, yeah, I know. I'm crispy. Did you expect me to whisper? If you want quiet, go eat some soup and reflect. Like, I know I'm a handful. I'm bold, I'm juicy. Throw some pickles and barbecue sauce on me. And baby, I'm all.

whole meal. And with seven rewards, I'm just $4. Quiet. No. Krispy, saucy, and $4? Very. Only at 7-Eleven. Valley through 62326 participating stores only while supplies last the app for full terms. And then, you know, my best friend, I had one friend in high school who helped me kind of through that loss. And then he passed away in a single car accident like at 22 a few years after high school. And so then I like had nobody and I just became kind of like a floating. sack of meat that just floated along and tried to just exist and didn't do a good job of it and things just kind of went downhill from there and so I feel like the last few years were me like the peak of me like just being stupid and idiotic and childlike and then realizing all of that

you escaped Austin to go to Puerto Rico you felt like you had to escape right and also like nobody does well where they're from i don't know any like i was with i was making way over generalization that's not even close to drew but okay define name me one person name me somebody who has done well in their hometown um mr beast where's he from uh north carolina but his whole thing his whole thing is online is he has an online platform i'm talking like what but he built a massive company what you're talking about but like he has fans all over like did it was it his fan base began where he is that doesn't matter to what you've said said no one's been successful where they're from in the in there not just where my parents are doing well in the town they're from they've felt good careers

my dad has a successful business an entertainment career or like well you didn't say in entertainment yeah you keep moving the what about socially are they socially normal are they like they have friends and stuff i i can't relate They just went on a great vacation. I live in a town where tourists come every single day, every single hour. Buddy, this is. Yes, tourists come to Austin, but it's not like L.A. New York. It is, though.

Everyone I meet is like, oh, I just got here last month, and it's the best place I've ever been in my life. And everyone is, everyone, no, they live. And I'm never leaving. And I got all these show opportunities. And I'm doing this and I'm doing this. And I'm like, cool. I've been here my entire life. And nobody acknowledges my existence.

Have you done anything? I'm everywhere. Have you done anything notable that would have other people acknowledge your existence? I'm sorry. I'm sorry. This is going to sound rude. This is going to sound rude, but you are not entitled to that. You actually have to achieve something.

You have to do something. You have to put it into the work and then you can be acknowledged. I agree. But what is notable? Like define notable. No. Define, okay. Have I?

Define notable. Notable. Worthy of attention or notice, remarkable. What have you done that's remarkable? I don't know that's, is that something I can even decide? I can even declare. Well, I guess the audience would decide. And apparently the answer is no.

There you go. So why would they then? But everywhere I go, every time I leave Austin, I'm notable. Yeah, to how many people? Everybody I meet. Everybody, and I... Oh, come on. Are you telling me if you go to Puerto Rico, everyone's going to show up?

the whole everyone that I'm going to be like what he's back let's go maybe haven't done it got to find out

I don't want to your dreams but you're just sounding a little delusional with this and a little untitled yeah I don't know that I agree the entitlement

no one else makes it in their city that doesn't make sense I mean that is everything's a generalization every state man is like musicians in Austin live lives by performing do they become famous

not necessarily I was born. I was born and raised here. And every single musician that I've known that was also born here moved to the Ander. Like none of them can make it. Even though we're the 11th most populated city in the country were the 15th most visited by tourists. We're also number five on the list of cities that people are leaving the most.

Which is a recent study that came out in the last year. Great. So that completely contradicts what you were saying there at the beginning. I'm saying that nobody likes you here because it's too, like there's so many reasons. It's not the place to be anymore. Generally, if we're generalizing it's number five on the list of people are leaving. People are recognizing that whatever the advertisement for Austin is. This doesn't matter to the conversation. But to be clear, just like any COVID boom city where we had an insane amount of people move here, yes, all of those cities are having a little bit of them.

I've been here. No, it hasn't. Yes, every year it's been like, oh, Austin is number two or number one on the most moved to. two cities in Texas in America. It's the fastest growing city. And now it's suddenly like, nope, it's not growing anymore. So that's not true your whole life. It's just now because after the COVID boom.

For the first time in 29 years. Every city, almost every city that had the big COVID boom is experienced the same analytics. But not every city before the COVID boom was growing. This doesn't matter. I care about you. What are you talking? Okay. I don't see.

This doesn't matter. What are you trying to say? What are you trying to say? I'm just saying. I'm just saying that I think it's very important. I think it's very important for me, even if it's just temporary for a year, for two years, whatever, that I get out of Austin. Maybe not other people. They can sit in their boxes and work their career jobs and be happy with that.

But like, I can't. Okay. So what are you going to do then? What's your plan? I'm going to pretend that it's not an entitled position because you think you deserve to make it. I don't deserve anything. I think that I'm capable of it. Okay.

What's the plan then? I'm going to D.C. and performing at the Kennedy Center. in a play as a lead role. Are there? There's a, it's a whole, it's a local theater festival that happens every year and it's a whole industry. Okay. How did you get into that? I applied to, I applied to the role that was listed and then I got asked to audition with the actual script. And then I sent in a videotape reading the script, excuse me, and got the role. And most things, a lot of things that I've applied to, I've gotten the role because of the fact that I can play any role and fit into any dynamic because I feel like I've already lived it.

And I think that from what's okay, how much is this paying? I'm going to cheer that on. If you're going to roll that's sick, I love that. That's great. Trust me, I'm not against you as an existence. It's just what you've been talking about has not been like reality so far, but that's like a real thing. So what are you getting paid? I'm making 250 for a one-time table read, and then there's the potential they want to turn

into a movie and go from there or whatever. But for this specific gig, I'm making 250, and then I'm setting up other projects in and around Philadelphia or New York or whatever to work outside of that. And I already am in talk to pay for this position? 250. Okay. Just wanted to confirm. Also, I was fact-checking you because it's important.

Number one for 2023 and 2024 so far. In terms of cities that people are leaving, Los Angeles number one, Chicago number two, Brooklyn number three, Queens number four, five, Miami-Dade County, six, Brooklyn, seven, Anaham, California, eight, Pasadena, California, nine, San Diego, California. Ten, San Jose, California. Austin is on the top ten list. Well. Okay, so. Just find whichever article says that Austin's number five, and just like anything else in the internet. Oh, if you go confirm your own thing.

Whatever narrative, whatever statistics, whatever scientific. formula you want to put around it you'll find the answer you're looking for that's the issue with the internet but i think that's the issue with how you use you go out and talk to real people every day too instead of just oh that's how we get reading that's how we learn things i mean anecdotal data yeah you go outside and you actually meet real people that's what an educated human person does yeah you live in the real world you can live in that box and get a totally totally what an absolute joke just stop just stop that's stupid this is that's the stupidest thing i've ever heard in my life all that's going to die eventually and we're going to like be sitting around yeah technology

satellites okay see this is actually concerning huh stone age is coming we're gonna have to know how to like make fires but this is concerned is this is actually your world view which is impacting what you're doing no it's why you're so it's not impacting what i'm doing i'm living because i'm still living in the world that is like what it is today but i don't think you actually care as much to improve it based on the world because you actually believe those things in your bone, which is so indicative of your financial situation. That's fair. I think that the last few years, it was impacting my decision making a little too much. But now I realize that there's a strong benefit to what we have available. So what has changed? Well, I need to like take

advantage of the resources that exist. Sure. What changed though? To make you say that. failure and humility. Like I've been humbled by being an arrogant, like, thinking I know more than I do in reality. Like I've been freaking wrong. Well, you got our $250 gig. Yeah. They're paying for travel and living expenses, right? Partially.

Oh, how much? Half. So they're giving you $250 plus lodging half of the cost of my Airbnb. How much is the other half going to cost? Around 250. I heard you guys wanted to get dirty again. Dirty money is back, and this time you're going to be a lady in the streets and a freak in the sheets. And you know who you usually meet in those sheets?

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Sometimes you got to hop on the spring. springboard and allow it to bounce. Yeah, I've just legitimately talked to over a dozen of people just like you. Unfortunately, just that springboard has not worked. It doesn't surprise me. It doesn't work for most people. Exactly. And I'm not saying, I'm not trying to crush your dreams.

It's just we can go about these things in a smart, educated, strategic way to be safe. If you had it. I did not allow myself to quit my adult job to do YouTube full time until I had a year's worth of an emergency fund. And I said, you know what, I'm going to give this my all because I was able to stockpile. I went about it in a mature way, no bad debt and then pursued it like a full-on business. You're doing this like a hobby, just having fun, traveling around, you don't have any savings to your name and you have debt. That's not how we do this.

And that's why a lot of people fail because they have to get back to reality quicker because you don't set yourself up for success. I know you want to rush into this. It makes sense. It's a want. You want this. I want it for you too Give yourself the best shot to get there Right

I know I'm being a dick But I do want you to succeed Right Don't get me wrong I'm not gonna not challenge your worldview Because your worldview's idiotic But you know It's not out of hating you

Yeah I'm not trying to like repeat patterns Um But I just Regardless of anything I would be leaving Austin Whether I had I would be figuring out a way

to leave Austin. I'll make you leave Austin and a body bag. I will be focused on establishing that consistency and patience and taking the time and dedication, hard work that it takes to set myself up successfully after I leave Austin. But you have to work in the arts according to you. No, no, no, no. I'm open to... Why does it have to be Philadelphia?

It doesn't. It doesn't. Okay, but that's what you already decided. I mean, things can change. Things can change all the time. I'm sorry, guys. 37 minutes into the recording, I don't know what your timestamp is, but we haven't done. Let me at least go through the quicksilver. I know I can get lost in the sauce sometimes.

So again, $5 of interest agreement. It's not crazy, but you put, like, the balance is $190 on a $200 credit limit. You started the balance over the credit limit. It's partially because I bought a guitar right after I paid it off. and I swear I wasn't going to spend any more money on music and then I found this $99 guitar and I was like, well, I'm playing... Oh, I see a charge of $159 from Guitar Center. That was because it was partially on a different card.

I think I paid $50 on my debit card and then the rest. Well, you said it was $99 or something. Well, I got a case because I was like, I need to protect it. It went in a storgas and bullshit. Win in a storgas and bullshit. Win an a storgas and bullshit. Win a storgas and bullshit in Grand A H-2-0. water.

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Oh, interesting. Who would have thought? It is. It's cheaper than buying a gallon. Any chance? You brought you a van here, right? You got here with the van that you're like, do everything out? Do you have your guitar with you?

Yeah. Okay, let's at least test your talents. Can you test your talent for us? Oh, wow. Yeah. Just give us something. Go ahead. Go ahead. Go ahead and get it.

Yeah. Let's see it. And you, the audience. Let him know in a genuine honest way, not to, I know we can get a little cranky in the comment sections, in a genuine, honest way. If you think it's good, encourage him to pursue this in a financially smart way. If you think it's bad, also let him know. This is an honest zone. This is a truth zone.

Well, look, I recognize that my money, my financial success isn't going to come from music. What I started realizing is like music is. what I do for me. So what's your financial success going to come from? Performing and acting. Okay. And how many acting gigs have you ever gotten? I've been pursuing acting for less than two months.

And I've gotten over five, over four. And I've made more money from acting than I did in 10 years. What do you, how much have you made? Almost 1,000. Okay, that means the 10 years was an absolute failure. Yeah. Okay. Listen, I feel like I'm walking into it.

like a youth campground right now, but just go ahead. What, whatever. You, you tell me. Okay. Are you gonna sing? You want me to? Yeah, I want you to give us your all. Give us your all.

My love. Been so certain. Ain't been learning. Oh, ain't been learning. I'm certain. I'm certain. Something's ruined. Something's ruined.

Is there a more interesting song? Well, so I tell myself ukulele last year and I'm teaching myself guitar Well, I mean, you're just your vocal thing. You're just doing the same vocal phrase over and over again, even if with different words. So give me a little bit of vocal range here. Give me something that does a little different vocals. Uh, uh, I think one of the strings is out of tune or your finger is wrong. No, it is.

Yeah, I didn't tune it. Vocal range. Give it to me. I'm a baritone. Uh. Yeah. Within the baritone range, give me some. just your range. I'm not talking about

go f*** the prano and cut off your balls. This is where I push the red button going Hey, buddy, you want to do this for a living, come on. Uh, name a song. Oh my, my. Espresso by Suprina Carpenter. I don't even know who or what that is. I never heard of that in my life.

Espresso. Espresso. I drink espresso. I don't think you're a singer. No, I mean, I'll be critical. I don't think you're a singer. I think the guitar probably maybe. I don't know.

You're kind of just playing a few little riffs over and over again, but it's kind of what it comes down to in different ways. I realize it. Okay, yeah, but vocally, I don't think you have vocals. I don't have vocals either. Don't get me wrong. Okay, we'll call them. No, that doesn't make any sense to me.

All right, thanks. Yeah, I hit my table. I want you do that. Do it. some more. It's a tough guy. Wonderful. And the card's at 30.74% interest rate. Okay, buds. Dave. Dave, extra cash account statement. Oh, good. You were like overdrafting so it brought money in to your other accounts. Okay. So yeah, overdraft. That's insane. Express fees, overdraft. And tips. Oh, that's good. That's good. This is insane. Extra cash.

Cash overdraft, $75, fees, $15, tips, $3.75. Nats, what a fuck joke. And you've only put, well, it's a zero right now. At least at the time of this statement. Yeah, see, I stopped taking extra cash. You better stop, but it will see. Well, how are you financially going to get there? Because you also got a, are you driving to this show?

Yeah, so I got to save up $500 to pay for guys. Okay, so we're sinking $750 into this $250. Yeah. So far, plus food, plus... Think about learning a trade, you know, that I can do... What the fuck are you? Yeah, sure, yeah, go into trades. I don't think you'll make it through trade school to save your life.

No, not trade school. Huh? I'm going to, like, be a poker dealer or something. Something I can do at night, you know? Just like make some things and then do projects. make some things as we have life figured out success

I feel like it's a waste but I will gift you a certification from course careers if you ever want it it's great tech certification things like accounting for adults I don't think you'll ever touch it but I'll turn to bring that up for you

yeah oh good hard inquiries I'm glad you didn't get approved for that oh I think you did credit cards there's that credit card you have a credit karma thing? Yes. What is that? I got that recently.

What is it? I don't really even know. Do you use it? Yeah. What? It's like a debit card and a spending account and a savings account and some sort of... Is it like a charge card? I bet it's like... Is it like the Fizz card? I don't know. Do they use it like that?

It's like an own bank account. It's like an online bank account. Really? Let me see it because I don't have a statement for that. No, no, no, no, no, no. I want to see the account. Oh. I want to see the account. I want to see the I don't give a shit the card

What are we going to do with the card? It's got $0 on it It's pretty valuable But is it credit Because it's being reported Uh No it's But this is to the credit karma app

Right You went to school I see some university 2019 thing But it was closed That was just the name of the The thing for my car at the time It's just the name of the bank

University Federal Credit Union I was paying off my The car Parking. Is this gas $30, $7.11? Would that be gas, $30? Yeah. Because it's flat.

But you also went into HV and gas and bullshit. And then you got declined. Something declined $30 there. More gas. Great. Oh, good. This is fantastic. Wonderful.

I'm cranky right now. You've, I don't. Okay. You want some machete? Nope. Okay. This place is pretty nice, you know? Thank you.

There's a. Are you going to move here? Aside from, hey, maybe, Squatters' rights, right? Not in Texas. I'll go buy a gun from across the street. Aside from the chains and whips over there, feel pretty safe. I wish.

This place would be much more fun as a kink zone than nursing whatever you are. It's got the lighting. Oh, okay. What is in collections? What is this? It is. Because it's $1,395.

Yeah, so before I left Austin the first time, I broke my lease early, which was a terrible idea. And then they charged us for a full month of rent after we had already kind of paid. And that just never got paid. So I'm working on the second I have an extra $13.95, I'm going to get it off credit. You know, if you worked a job, man, I could get you the financial. I think if I had worked a job like a long time ago.

It's just normalness. So quick. You have no idea. Like a year ago. And I just dedicated six months. Yes. But I was too hung up on the fact that I had to go like do something and be something or something. Can I see that wallet again?

It looked really weird. I see? If you don't have an insane, weird wallet like this and you have an interesting story and want help with your finances, feel free to apply to be on the show. Caleb Pamer.com slash apply. I think it was $5. Great. Looked free. It was handmade or something.

Oh, check an account. Okay. Sure. What are we having here? $106. It's actually money in here. Maybe, yeah. Something like that. Every business needs a website.

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Because I don't even know like the first thing about financial guidance. Okay. And what do you want? A clearer path forward. Will you listen to me? You seem so ready for what you already have planned.

I mean, I think that I'm going to do what I have planned, but I'm also going to listen to you and find a way to mesh both worlds together. So essentially I need to come up with a way to make your plan not as dumb as it already is. Possibly if that's what you're down for. Well, I think that's... Because if I make up a plan that is actually smart,

I don't think you'd follow it meaning it's kind of pointless. So I might have to adapt it to you to at least make sure you get any kind of help or else there's no point of this. That's fair. I think so. Went inside, got some BS. Dave Inc., Dave Inc. Taco Bell.

Oh, this is great for someone that doesn't make any of money. I mean, it's cheap. Okay, what is this Grandi H2O? It's like one of them water stations outside of the HV. So you get like a big thing. So you get two gallons for like a dollar instead of going inside. Huh? No, I don't have any.

Where I'm living right now is on my cousin's property with no plumbing. I live in a broken down trailer. Where do you poop? Drive to HV. That's what I'm always saying. No way. Yeah. You have to poop.

I have. How far are you away from an HV? 10 minutes. So when I wake up. I'm going to have some mornings. It's cutting it close. I'm like, you know, I may not, I may have to dig a hole today, but so far I haven't. I'm going to have to, because I have about five minutes when I feel it to when I'm, like, running.

I'm a little more on top of it. I respect it. Yeah. I don't know what's wrong with me. But if I, that's why I brush my teeth. Yeah, well, I. You're brush your breath. You're kind of homeless, but you're not homeless.

It's weird. Yeah, I know. It is weird. Also, you need to wear sunscreen. Okay. I don't like sunscreen, but, yeah. Yeah. All the elevator.

But I'm seeing signs of, like, sun aging. I have cancer. You do? No, I don't know. I thought I was asking. You're a doctor, right? How about it? Dr. Hammer.

Okay. Yeah, you're trying to be funny. That's fun. That's great. Okay. My dad died of cancer, so. What kind? It's like a really rare form called goblet cell carcinoid.

That has only had, like, 600 cases ever in the world. Wow, that's wild. I'm sorry. That sucks. Um, so maybe we wear sunscreen to avoid getting skin cancer or at least avoid. You're a hands. Dude, you got, you got things going for you. You're skinny.

You're tall, right? How tall are you? 6-2. Okay. Yeah. So you got things going for you that I am jealous of. Like, I wouldn't be able to work on the height. I could guess, you know, but whatever.

Man, I wish I could get away. May is, okay, shut up. May as well not look 40. Right. When you're 32. So wear some sunscreen, but because I see signs of aging on there. I don't think the cameras pick it up because they don't pick it up as close as I do. But you got some sun agent going on.

Okay? All right. Just looking out. Taco Bell. And that's another reason. I'm surprised you're able to make it 10 minutes. And then you're back going in for B. Every time you go to H-E-B, you're just like getting some like $3 like snack and drinking.

Yeah, I've tried not to. Well, you do it every day of your life. So I don't. YouTube Mush Mountain View. Oh, that's where it's from. So is that YouTube premium? It was. Yeah, I just, I don't have it.

Well. Have you canceled your subscriptions? Yes. Just recently. Taco Bell. Barry Good buys. $5. Yeah, man, I got these sandals.

It's a thrift store and Fort Worth. Five bucks. You've been wearing them almost every day since. Dave, Dave, going in, getting some BS. Hopdottie, you can't afford hop daddy. No, I promised a friend I'd buy her lunch. you can't afford your lunch or her lunch. You don't make money.

I made it happen that day. You didn't. You're further into debt. You spent more than you made. So incorrect. Going in, getting some BS. Going in getting some BS. You filled up some water.

Taco Bell. I understand filling up watering situation. It's fine. So I'm actually not going to call that out when I see that. Taco Bell, going and getting some BS. Dave, going and getting some BS. Going in getting some BS. Going in getting some BS.

Going in getting some BS. Going and getting some BS. Cash happened out 11 bucks. Dave. Going in getting some BS. going and get into BS, going and getting to BS. And telling beats... Yeah, so...

$40. Yeah, it was an... What is that? I released a new song today, actually, this morning, and I was an instrumental that of the song I recorded. Just instrumental. No vocals? I added the vocals. The music video.

Okay, we're going to listen to it in the post show. Oh, my. We're going to listen in the post show. Hey, buddy, if you don't want people to hear it, don't release it. No, it's... That's what I say. Yeah. The music video, drop.

at 6 p.m. today. I shot it two days ago. I didn't spend money on the video. What is this, though? You said you, what is the $40? I spend money on the, yeah, the instrumental. Oh, you didn't even like make the song? There's certain times where I... If you're chasing data down, instead of seeing it in one place, you need the Intuit ERP.

Intuit Enterprise Suite. All your data in one place with built-in AI for real-time insights. Learn more at intuitt.com slash ERP. use an instrumental that I made. Oh, you're like a fake musician. Okay, going in and getting some BS. I can't respect that. No, there's other times where I want to use somebody else's

instrumental because it's a form of collaboration. And like I... A form of collaboration that you pay with him. They don't even know about because you're just paying them. The way that contract works is like I paid $40. I know. He doesn't want anything after that. I know because you paid for the...

Okay, this is this car. It can only be good for both of us. This van that you're driving to a new place to stay in and live in. How is it? It's not going to make it much longer if we're being real about it. And we're relying on it to travel to this gig and to, oh my gosh, how many miles are on it? 284,000. Whoa, what is it?

It's a 01 Ford Explorer. And it doesn't have AC. How are you existing? It's not easy. No. All these poor dogs. Well, we go to the dog park and hang out at the creek all day. So it's like we're in water.

Oh, that's because you don't have a job. Yeah. Yeah, we would all that too, but I'll do that too, but we decided that we were going to be adults. You have not left the age of 13 yet. I mean, they're having fun. No, and I'm glad they are. Like, truly. Like, I am happy for them in that case.

Unfortunately, if a vet emergency happens, then I feel bad for them because you have no way to pay for it. Oh, I'm in the financing. Yeah, 13-year-olds are having fun with their life. they're not worried about stuff. So this van, what are we doing? What's the idea with it? Well, take... Obviously paid for.

Yeah, take as good care of it as I can. You said it's not going to last in general. Well, not forever. Nothing does. It's just old, man. It's in good shape, to be honest. For as old as it is, I had to get all new breaks for it last year

and it was over $1,000. And I don't want to put that much into it again. The internet, your favorite thing, says that they last around $200,000 and can last 300,000 miles. Which we're getting close. You're 284. And going to Philadelphia is 1,664 miles away.

I've also seen cars that had 800,000 miles on it. And I don't think it'll get there. Yeah, probably not. So before then, I want to be able to have my credit in a good enough spot. Okay. To be able to put a down payment on a car and get a new car and then start using that to go my credit. Oh, sure. That's going to go great. And if I can build my credit to a decent enough.

With what income? How are you going to get a new car? get approved for a car loan. And if you do, your car loan is going to be like 30% for eight years. And you're probably going to get something you can't even come close to a 40. And if you get approved, I don't know how you're going to get approved. What are you talking about? What world are you in?

You have a max out credit card and have collections. What part of score are you talking about? My collections are tiny and my credit limit is tiny. So. You know what that means? That I don't make much money. Let's use this as a learning. Sorry, I almost freaked out.

utilization is a massive part of your credit score. You don't want to go over 30%. You don't really want to go over like any percent so you don't want to hold any interest. But either way, it negatively impacts your credit score when it goes over 30% because your credit limit is so low,

30% of your credit limit is 60 bucks. You can't have a balance more than that, but you're sitting at 200. What's your credit score? We were just in credit karma. What was it? Yeah, it's like 545 or something? In collections,

what hits it by what 30 points 40 points or 20 points i don't remember because i don't get them right it's um 565 it went up 12 points this week can we even make a bunch of free you're leaving when are you leaving at the latest august 17 latest okay so if not makes no sense what are you paying for rents right now not at least it was that god yeah what's your plan for income out there I hope to figure that out soon before I get there. If any, like, I have a couple things ruminating my head. Maybe get a job at it like... How much of it is skunk?

None. I spend no money on... I've never drank. I... It was a joke. What's ruminating or what's going around that head? Probably shtweed. I've thought about maybe like,

working at a dog daycare because I've done that before. It doesn't pay anything, but like, side income. Well, like, because then every job job that I could get that, like, pays a decent amount, like, wants a commitment for me from life, for life. And I'm like, every business person on me is, like, cares so much about their place. The business that they own? Yeah, it makes sense because that's your thing.

But that's not my baby. Like, I have a life. I have a. I have goals, I have things that I do outside of work. I want to be able to go to work and do like I'm not against working hard. I love putting, I love, I love working. I actually do. I just don't like getting trapped into circumstances.

You can leave a job whenever you want to. But yes, when you're in like that shift, you're committed. And if you're not committed, you don't work there because you're fired. But I feel like things, whenever you want. I feel like you're looking at like it's like slavery for the rest of your life. That's not how that works. It's not. You're getting paid for something.

something you agreed to. You have come to the contractual agreement with the employer. They need this. You want a job and money and you guys are able to figure it out in the marketplace of what that income is like for you to accept that position. Which I'm open to figuring out once I get, once I leave Austin because I would be doing, I've been doing that. I've been knowing that I'm leaving Austin for like over about two months now. And initially, doom ones. And initially I was like applying to that every single job on Indeed you could think of. Yeah, but I bet your resume is like a joke. Like,

we would probably want to use a resume building service. Maybe. I mean, my resume is pretty good. It's like I've, I've spent long dedicated time at places. No, I know,

but like your resume itself, the build out of it might not be very good. Oh, like the look? Not just the look, but like the keywords and everything you're using. Oh. I've never really thought about it.

Okay, so it's, but like, I mean, I'm a hireable person Once you look like my resume has gotten me. Yeah, but you got it likely. I mean, they can just sifted through systems and then you got to get interviewed from there.

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Pick up a bottle of all free clear for your next laundry day. In an interview, things go well. Really? Which can be bad because then I'm like, well, I have to do it. You're not required to stay out of job. You can leave a job. I don't think you should. But you're acting like once you accept a job position, you are there until you're 70.

If there's nothing you can do. It feels like that's what they want for me and they know I can't give them. No, of course. If you're a good employee, They would want you to stick around. But if you're a good employee and they want you to stick around over the course of years, that means you get to make more money because they want to keep you around. Yeah, but now I'm in this spot where I'm in this limbo stage where I can't really get a job in Austin because I'm about to leave.

But I can't really get a job in Philadelphia because I'm not there yet. But I want a job. No, you don't. You just said, ideally, I'd be able to just make all my money from acting and performing. Which, okay, obviously, it doesn't happen magically. Right. We grind away. fantastically like that'd be awesome also watching dc philadelphia not known as an acting city

but it has hubs that it connects you like new york i can't live in new york i don't want to live in new york but um you know ideally like oh it all works out and i'm a great terrific successful actor but good game plan obviously i have to have a a side plan in the meantime because i still believe wholeheartedly that that is what's going to happen i don't know i don't i'm not going to pretend like I know how fast it's going to happen for it. But I don't think you know anything. And I need to prepare. Here's a recap of this conversation.

You currently have to drive 10 minutes to take a poo-poo right now and you don't have water. Okay. You know, that's your situation. Life handed you $60,000 on a silver platter and you blew it all in three months and left the $25,000 of it in a parking lot, essentially, and drove away. Took money from a charity to go to go be homeless in Puerto Rico with no plan, got back to Austin, agreed to some shady predatory music contract and lost hundreds of dollars. Now you plan on a drive to Philadelphia with a broken down car to basically go homeless again. And you refuse to get a real job because you think it's slavery and...

I'll be in the chilliness so it won't be as hot in my car. Yeah, that's where you die, though. You got blankets and heaters. There's three of us. Oh, the dogs? Oh, those poor dogs. They love their life. You know, they did a study in like homeless people with dogs.

They were like... I don't know. everything you've cited so far as been incorrect when I look it up so they did very much veterinarians were advocating that you know homeless people take much better care of their dogs and people in their boxes because their dogs are much happier being in like the real world like nature and stuff and like really the ones i see with the homeless here are on a sidewalk this big next to raging cars that are flying i actually agree uh so i don't know what this article was talking about i'm just sharing and i see them eating pizzas i don't think that's a sure it tastes great i don't think it's

what dogs are supposed to be eating highly doubt their life expectancy is as good as whatever why am I wasting my time? I don't know what to do with you, man. I'm just thinking, I'm just thinking, I mean, you have nothing invested.

I'm trying, I want to make an example of, like, what it's like if you, like, if you open, like, a account with a brokerage, like, moo-moo, I mean, that's what I use. So I buy some stocks in there, right? You know, I just buy into the overall. overall stock market and I watch someone to grow and compound over the course of our lifetime because we are the same age and, you know, I'm looking for that chance to have a good retirement.

I want that for you and I don't know how to bring an example to you because I don't think you that resonates with your lifestyle or care at all. But I have to make whatever suggestion I have based on what you're already going to do. So how do I... Oh, and also in the recap, your singing was bad. It was okay. It was mid. Yeah. The guitar, I couldn't judge.

Mid's enough. How do I, like, still pursue creative pursuits without, like, completely giving them up? Well, again, that's the thing. Whatever I suggest, you're not going to do that because you already have a thing. So I'm trying to work my suggestion. to your thing. Well, so here's an alternative.

I go up to DC at perform and I'm gone a week and I come back and implement your plan. Okay, cool. Okay. So the plan I would do. Any job you can. Overnight Waterburger. Coffee shop. Literally anything you can go get, the median

low wage in Austin, the median entry level lowest wage in Austin is 19 bucks an hour. So let's say you're making 19 bucks an hour. You're going to work 60 hours a week across different jobs. All of this is easier said than done. I'm doing the fast forward on this,

but you're applying to jobs. You're just working as much as you can, okay? Times that by 52, you're not taking any time off. Doesn't matter. Okay, let's say you're walking home. That's 60,000 bucks a year. That's not bad. Of course, that's 60 hours a week.

You know, sustainable over the long term. No, but we're doing temporary sacrifice. Let's say you make, let's say you just make $40,000. Let's say you walk away with 30. walk away with 30. I'm just, because I'm trying to take an account your existence.

$2,500 a month. You can continue to live with your brother, was it? Cousin. Cousin? Yeah. You can? Oh, right now?

Yeah, for a while, for a bit. Yeah. I can, yeah. Okay, continue to. Have your weird poo. The situation. Because no rent and just paying a little bit of water.

Like, it's incredible. Like the 2,500, what I would do is take care of both of your debts immediately out of top of your credit card. You're not a correct. come from so you can't manage that.

Yes, we'll focus on building credit eventually, but that's not your main focus. Now, what I would do, then with that 2,500, with your minimal living

expenses, very minimal, $300 on food, $100 on everything else to survive, and whatever else you need, let's say you have an extra $1,500 bucks a month. I think you actually have more

because you could live bare, bear, bear bones. If this is what you really care about and you want to go all in, what I would save up is $25,000, bucks over the course of a year and a quarter 30 by the time you're you know a year and a quarter from now then feel free give it all you got give it all you got in a very smart and conservative way still living bare bones off that 25,000 because you can blow to that 25,000 quick you've already

done it with 30 but bare bones like 6,000 bucks a month you know just bare bones as much as you can depends on where you are oh with that you try to make it as much as possible because it is your dream and fine okay do that once the $25,000 gets to about $5,000 that's when we start reconsidering things and we start looking for some adult jobs so you extend that 25 as much as you can spend 20 of it while you're trying to make your dreams and then we start making enough to at least survive and get something in investment like at least 20% at that point after that and then pursue your passions on the side.

Like we don't stop pursuing them, but I'm going to give you a little bit to go all in, and you got to work your stuff to get there in a year and a quarter. You got to, and I think you can make more money than this quicker, but, you know, this is, I'm just trying to think of you. I don't think you're going to feel like, oh, I'm a slave because I'm making $19 an hour. And I can't get out of it. I'm forced to stay here until I die. So, yeah, it's, I don't know.

I have a little hope in that, but you can do that. That would be a way to do it. wouldn't want most people to do that but if that's your thing i want to try to relate it to your situation right that is what i would do were i in your shoes with your brain right and then yeah once you're about five thousand bucks left get a job that allows you to survive and set at least 20% aside for retirement so we can start getting something going like at least 200 bucks a month retirement or something like that you know just at least that so just get some compounding going throughout your life and then pursue your passions on the side and if one takes off one takes off

that's great that's what i've been doing what do you think of that yeah i can remember my head around that it makes sense yeah and i'm giving you a chance here man i'm giving you a chance but i'm also giving you a reality at the end of it if it doesn't work out right i'm gonna i'm excited to listen to that full song in the post show and fully judge it yes and you will not copyright strike this video, right? Do we have permission and consent to play that video and the song that you played? I think

so, yeah. Okay. So, YouTube, if he tries to some weird... The song is not allowed to be content ID, whatever, so... Well, it's in the post show anyway. Yeah. All right.

Hammer financial score. Spending to budget, you overspent, a debt you have collection, zero, zero. Emergency money, nothing in retirement, nothing in real estate, nothing. I mean, this is the obvious from two minutes end of the conversation. But hopefully, I hope people related to, there's going to be a few weirders out there that related to it and actually want to kind of make it kind of like you and the things you want to do.

And that might be a way to do it. And I think that is important in the end. And hopefully you had some worldviews challenged and you're able to reflect on this and, you know, be a little more mature. But thanks, Hammer Financial Score, 0 out 10. Make sure to stick around for the post show and check out all the links in the description below as they are resources.

I use or would use in specific situations, including the best budgeting program and best investing program now bundled at a lower price with an extra $300 in cash rewards thanks to Mumu. Check it all out in the description below. Today on the Financial Audit Post Show. Most of the Austin icons weren't born in Austin. So you're saying that everyone can move to Austin and make it, but people born in Austin can't make it? All of them are transplants. Like 1,000 percent.

I'm going to make the stupid stuff in the post show because I don't have to bring it back to financial audit. My lack of success here in Austin is more tied to my individual. I think it's contributed to you just not... How do I say this in a nice way? To watch the financial audit post show, click the join button below.