Arrogant Freak Thinks He Knows More About Money Than Me | Financial Audit

$100,000 in debt $ 100,000 what was the. debt credit cards mostly $100,000 of. credit cards clothes vacations oh the. idea is I can get what I want right now. and pay for it later but you didn't pay. for it later with the influx of amazing. customers that I get this year why would. they trust you look at me I'm adorable. yeah I wouldn't so really are up your. this is crazy okay but I disagree.

all of our education is bundled together. for 15% off with a 30-day money back. guarantee go to Caleb hammer.com bundle. or click the link in the description or. pin comment below hi I'm CJ I'm 33 years. old I live in Austin Texas and I'm on. financial. audit yes you are and what do you do in. Austin Texas for a living uh I am a. hairdresser and I also build websites. for beauty Pros ah yes I I see yeah the. package I I I can VIs this okay very.

cool so two jobs let's start with the. first one hairdresser what do you. makeing dressing that hair what do I. make uh I would say I'm on commission so. it ranges but I would say probably about. 70k a. year why the do I have debt in front of. me right now okay so that's just one job. $70,000 a year uh by the way essentially. the median household income in the city. of Austin Texas household just you from. one job and then you build websites for.

uh RuPaul or something so what I wish. what how much do you make with that uh I. would say probably like an extra 20K a. year this is. incredible okay so we're looking at. $90,000 a year adding to my confusion of. the stack in front of me it really. doesn't make sense also wait but that. does that also doesn't really about the. money that came in what what came in. from the most recent month what do you. mean money what came in what came in.

like the exact amount. sure I would say probably like 4,400. from the. salonish cuz I did take some time off. recently so MH how much time did you. take off in the last month about a week. so that like hits me hard okay in the. Sal well 46 46 63 okay and. then I didn't do any like I actually I'm. switching my website kind of like.

strategy right now so I'm going to start. building the websites for free for the. people and then they sign up wait they. sign up for a subscription for me to. host them so like recurring yes you host. like on have my own I have my own. website builder yeah so like Squarespace. but for. beauty okay and if that money is no. longer coming in what's it going to take. to build up to that $20,000 a year again. getting enough people to sign up for.

hosting how much does it cost to host a. site it'll cost them about. $39 after after my expenses it'll be. I'll make about 30 per person per. month wait well I'm sorry what's their. monthly fee again 39 and you'll make. about 30 mhm net yeah. and I have to ask this because the. history of this damn show please be a. answer that doesn't make me want to.

stick a gun in my mouth right. now you've paid these taxes as you. are yes set okay you actually pay your. taxes I do pay my taxes. interesting this is this is like uh new. that's like. groundbreaking in the history of the. show lots of new things today okay what. else my outfit oh yeah you look a little. excited that's and that's fun so $360 a.

month okay $360 a month and you're. trying to we're trying to replicate. 20,000 or $360 a year sorry and you're. trying to replicate again. 20,000 this commission is that paid out. W2 or you contractor within the salon W2. okay so that those taxes are withheld. and then the $20,000 that has come in. you set what like 20% aside or so have. you claimed that all accurately you work. with the CPA I work with myself but yes.

I have done it accurately okay hopefully. no fear of an audit no MM not that I. think you'd be targeted anyway you. essentially need. 55 clients a year how many clients are. you working with 55 that are reoccurring. never canceling their hosting mhm and. what have you how many clients did you. work with this last year. 25 okay so you'll only be at half of. what's you're coming in so you're. cutting that extra Revenue in half. essentially unless you scale your. business business to doubling in the.

next year how long does a website take. to build I can build one in 3 hours okay. why are they paying you for this why are. they just going on Square pace and. plugging and playing well a lot of. people especially in the beauty industry. don't know how to do Tech at all and. they don't want to they don't have the. time especially if they own their own. business um so they reach out to me to. build it and i' I mean it's definitely. not easy to get you know 1,800 from. somebody for a weite when there is.

Squarespace and stuff but that's kind of. why I'm switching my strategy to more of. like I make it for them for free and. then they just sign up with a. subscription uhhuh okay when are you. launching that in January is when I I. mean I've already started making some. free websites for people but January is. like kind of when I'm going to go for it. okay and I would like to replace my. salon income with that so completely. completely how how the what are you. talking about you're so you're up to. 90,000 is what you're trying to get to. before tax is 360 you have to have 250.

monthly reoccurring non-cancelled people. on a monthly basis meaning whatever your. turn rate is you have to at least at. least fill those on a monthly basis you. have a strategy for that cold dming oh. well I mean it's sales in a certain way. so 4,643 came in how much went out in. the last month how much went out I don't. know no of course not cuz why would you. know your.

numbers like that wouldn't be helpful in. this world at all okay um that kind of. that explains the debt in front of me uh. the is that say on your belt MOS Chino. mosino the is a mo mosquito mosino. is a brand a luxury brand you have thatt. you don't track your number you're. wearing luxury Brands Brands how much. are those sunglasses where I can't see. your. eyes like. $80 but I bought this belt a few years.

ago so how can you not track your money. not know what's coming in not come know. what's going out even more importantly. yet you want to fully replicate your. income with a business. completely fully switch over to that as. in you're running your own business but. you have no idea what's going out how. could you possibly do that do you know. what your debt is do you understand your. debt situation somewhat yeah what is. somewhat I know I know what my debt is.

pretty much you know not the exact. numbers but wouldn't that be knowing. what your debt is what you know who the. account holders are is that what you're. saying you know like well what is. knowing your debt I don't know the. numbers but I know my debt I know about. how much everything okay then know about. how much went out this last month I have. no idea how how do you not even just. have a semblance. um I don't know I just kind of what do. you think based on you knowing your life.

what do you think went out this last. month. probably. 3,500 you brought in 4,600 you think. 3,500 went out meaning you saved about. 1,000 bucks no they give me another. answer one more accurate. 4,400 okay so you think you saved a. couple hundred bucks mhm yeah you spent. 6,647 what the are you talking about no. wonder you have debt $90,000 you pay.

your taxes I'm glad hopefully. accurately why would you have debt give. me an idea into your financial situation. you're not a reliable narrator for the. money that goes out obviously because. you don't even know the numbers and you. know what about as your debt is but go. ahead why we in debt what are we looking. at today okay so one of my debts is my. student loan which is around. 53,000 the least concerning um my credit.

cards I definitely had a worse past with. you know debt um with shopping and all. of that what's pasted ped um what are we. calling P you ready I'm sitting here. filming the show what are you talking. what so in 2020 I filed for bankruptcy. because I had $100,000 in debt 100,000. what was the debt credit cards.

mostly why would we have credit cards. today then if without changing your. behavior and you had to go through. bankruptcy I mean it is is Venture even. approving you it is a lot less debt now. no sh cuz you went through bankruptcy. but why are we back in Deb did you not. learn your lesson bankruptcy is not. cheap it's thly cheaper than $100,000. but it's also not stress free why are we. back in debt why have we not okay well. go so mostly credit card $100,000 of. credit cards for.

red for clothes. vacations oh you what were you making at. that time probably similar around like. 75 80k have you ever. budgeted not really then why would we go. through bankruptcy without at least. learning how to budget to prevent us. from going through bankruptcy. again I'm not sure I just really like. payment plans you like payment plans.

yeah what is liking payment plans why. that leads you to the situation where. you have to go through. bankruptcy do you want to get a house I. do okay then having bankruptcy only four. years on your. record yeah leading to having to go down. that path again because I like payment. plans I used to have a house when I. lived in. Vegas yeah okay. yeah I feel like you're a hat shot of an.

egg in Vegas that makes sense it was. just a it was a different lifestyle what. happened to the house uh me and my. partner broke up so we sold it you sold. it so did you get money we made money. but I gave most of it to him cuz he paid. for a lot of the renovations okay so. that's fair but did you get any I got. like 6,000 out of it where' that 6,000. go when did you sell this house I sold. it in. 2017 you want a house again how the. you're not even close to getting to. those goals though you're destroying.

your credit you're headed there again. bankruptcy isn't anywhere near to. falling off of your credit right now no. it's not but it got rid of all the debt. yes but you're headed towards there. again you're building it again because I. like payment plans go ahead tell me why. do we like payment plans what is your. logic behind there what is the idea I. mean the idea is I can get what I want. right now and pay for it later wow okay. so like literally the basic definition.

you just told me what a payment plan is. yeah and that's why I like it but you. didn't pay for it later you declared. bankruptcy that was then you're headed. there again what the are you talking. about oh that's funny we're destroying. our life and we're not getting to the. goals we want to get to that's hilarious. it's a comedy show just like we're back. in Vegas or you mov to Austin to be a. stand- up little comedian doing little. jokes on how our life is a completely. failure and it's a good joke that's. great our eyes from the internet with.

red to hide the. tears of our failure of a life that's. hilarious mhm that's great well done. thank. you. yeah yeah what I'm just thinking about. my life you know and what are you. thinking I don't know. honestly you didn't change Behavior when. you went through bankruptcy and now.

we're headed to here again but you're. okay with it because I like payment. plans it didn't work you gave me a. basically a two-part definition of. payment. plans I can get what I want now and pay. for it later you only did the first part. and you're only doing the first part. you're not doing the pay for it later so. you don't even do the thing you. like I do make my payments. minimums yeah.

that doesn't count for anything this. first credit card how long does it take. to pay off if you only do the minimum. Mony payments without purchasing which. by the way you purchase on every single. one of them so how long does it take to. pay off about like I think I read it's. like 20 something years 16 for this one. but you're okay with 20 you're okay with. 16 so we're getting a house in when our. when we're in our 50s our mid-50s I mean. maybe 50s yeah because I don't know I. don't want a house like anytime soon you. said that was a goal I mean a goal what. what other goals do you have then move. to Thailand why to escape this to escape.

America to escape America what are you. escaping the expensive America that we. live in yeah but that comes with the. cost the income that you're receiving as. well I mean I get if you're doing the. website hosting but even still you're. still probably going to host through. American Services right like AWS or. something when you're in Thailand Okay. so the expensiveness but your income's. not necessarily going to follow. especially the hairdressing income. you're going to get penni on the dollar. if your ha adding in Thailand I mean the.

the goal is to build my online business. so I can move to Thailand and live way. cheaper and save you're never going to. survive the world of business if I. didn't know how much was going out this. business wouldn't exist today okay but I. disagree how do you disagree go ahead. defend that because people need websites. it's something it's kind of a business. that you don't have to you're there's. not a lot of churn once people have a. website there's not a lot of churn like. once people have a website they're not. going to get rid of their website until.

they get rid of their business or they. don't have M say they have to host it. with you they want to host it with me. yeah who says they have to though I bet. a few in the industry absolutely want to. but you're required to get up to 250. without any turn whatsoever and that's. everything going well and you not. spending more than you make again right. now you spend more than you make so it. doesn't make any sense everyone needs. the website guess what there are. Services out there that people can use. that is more reliable from companies. that are managing their money correctly. you'd be risky to have a with if I did a. website with you I want to know if.

you're going to be in business in the. next 6 months why would I build a. website with you that would be scared. it's a new year and we're all thinking. about goals going to the gym saving. money maybe eating fewer taquitos well. let's be real most resolutions don't. last past February what if this year you. made a resolution with real impact like. making sure your family is protected if. something unexpected happens today's. sponsor fabric by Gerber Life makes this. process easy to sign up and stick with. fabric offers term life insurance that.

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me fabric.com calb the good thing is. that the comp I so basically I have a. white label website builder so I'm not. hosting it at all so you pay for it. that's their problem I no no no you fail. you. fail you fail I didn't say them I said. you why would they trust you look at. me I'm ad yeah I wouldn't adorable you.

trust adorable yeah in the beauty. industry stupid. okay I mean that was the dumbest. response I've ever heard in my life you. don't have an actual reason for them to. trust you so you try to get out of that. actual real. logistic. uh push back for how your business might. actually survive because I want your. business to survive because I want you. to hit your goals so you receive real. push back for the first time in your. delicate little life and then what do. you do you deflect it by trying to make. a little joke it's not buddy I want you.

to get there but we get there by. understanding what has to go right to. get there and what challenges are we. facing and I brought up a very accurate. basic challenge simple fact is. businesses uh that spend more uh than. they make uh yeah they. fail why would they trust. you not cuz you're adorable give me a. real answer businessman okay the real. answer answer is is because my websites.

are beautiful okay and that's what they. want so the good design part they're. very excited but would they not be. afraid at the fact that if you go down. the middleman is gone the person that. they trusted to build manage maintain. host is gone any tweaks they want to. make with their businesses they have a. nice little beauty thing but they might. launch a new uh product in their beauty. thing and they would need your help. right yes okay but what if you're not. there anymore cuz one you have a 12 12. hour time difference.

to you just your business goes under you. go through bankruptcy again they come. for your assets if I go through. bankruptcy again the good thing is that. their websites are hosted on a server. that is not mine and so if I go down. their website's still there yeah but. they can't make any tweaks to it they. essentially have to claim that ownership. and get it to someone else again yes. another. Builder okay yeah that makes.

uh very. confident you should be as a. customer I should be they're pretty. confident how long have you been doing. this uh about two years okay it's a. halfway okay track record yes it's not. like the longest. no okay I mean the business is. definitely like not profiting at. all how how how how shut the how how how. how you said it cost $29 but you get 20.

of the 29 how is that not profit those. margins are not bad by any measure what. the you talking about not profiting at. all so the the Builder itself costs. money each month so there's that that's. $129 and then each person your math was. wrong then why'd you tell me it you get. 20 of every 29 that's obviously. incorrect I get 30 of every 39 but sorry. yes the website builder itself is $129 a. month so there goes that um I do invest. into ads 29 a month isn't bad though you.

just need a few customers and you're. good mhm so how are you not getting a. profit I spend it on myself and no. that's personal spending that's not. business spending ads okay ads for what. you said your cold dming you're getting. Google ads okay my new strategy is cold. dming the old strategies were not. working gosh I would love to see your. marketing campaign and what it looked. like I love it maybe we can take a look.

in the post oh maybe we can take a look. in the post show it could be fun cuz I. don't want to plug your product to the. main audience I get it I don't allow we. don't allow that. understood can the audience even see. your eyes yeah take off your glasses I'd. like to keep them on please why it's a. rupal's reference you obviously don't. watch it I watched one season it was ENT. it's a long time ago okay I'll take them. off though yeah let people just see your. beautiful full face thank you okay okay.

I want to know where you think your. finances are today I want you to give me. a score 0 to 10 Z being the absolute. worst 10 being the absolute best what do. you think you are. today a. seven did you understand the scale I. did go ahead explain I just feel like. I'm on like a good trajectory right now. with my goals it's not about trajectory. though and also no you're not you said. your goals.

houses how I have goals but they are not. necessarily like right away goals maybe. my house is from but trajectory you're. not on it though that doesn't make sense. and also it's not about trajectory it's. about where you literally are right now. I asked where you are where you think. your finances are not where you think. your finances are. going I still feel like I'm at like a. seven defend. it explain. my explanation is.

numbers Finance is wise why do you. possibly think you're to seven um I. haven't taken out any more debt recently. what's recently when was your last debt. your debt still August August isn't that. long ago what was the debt in August uh. I took out a personal loan are you what. are you what are you talking if you. watch your Hammer Financial scoring want. to see where you actually are today. today not where you're. going go to the link in the description.

below it's free and we'll calculate your. score for you when you take the quiz and. if you want to come on the show and you. don't want to wear sunglasses on camera. you can come down here come down here to. Austin Texas we'll have you it'll be a. good time I'll give you some punches but. we'll get you on the right track and get. you connected to resources and go to. Caleb hammer.com apply we'd love to have. you on the show maybe not you I'm. already here there I know and that's why. I'm continuing doing this did you want. to know why I took out that personal.

loan yeah maybe we get to it and then we. talk about it okay um so originally I. took it out maybe we get to it and then. we talk about it okay was my answer to. your question I just you hear we I just. heard let's talk about it. basically oh Capital One Venture one and. just I'm so curious how you got approved. for a $3,500 credit limit. I've built up my credit since 2020.

what's your credit score 720 your credit. score is 720 mhm. really wow I'm surprised that bankruptcy. is not holding it down a bit more I. definitely don't get approved much. anymore especially with the balances but. in the beginning I got approved for. everything it was like I didn't get. turned away nothing like good right. though no I mean like right I've seen. the interest rates on these things you. weren't getting like good lines of card. no interest rates are insane but like.

initially after the bankruptcy I was. approved for like three cards I always. recommend people like you use like the. Fizz card it's the debit card that. builds credit that we use for the. audience and you but I don't know if. you'd get approved well I did I did use. one it was a credit Builder card when I. first after bankruptcy and that did help. me kind of build it back up and then I. would get approv for other cards after. that all right so we got the Capital One. Venture on here we owe.

$2,689 he has 16 years to pay off now of. course you made uh a decent payment but. you're still purchasing while interest. is acing why are we purchasing on a card. that we cannot fully pay off we interest. is acre so the question is Old As Time. on the history of this show why the are. you. purchasing the. points do you. math math if we heard of math do you.

know how the point system works do you. know how the interest works is it making. any sense is it mathematically working. can you defend it can you define it can. you tell me how this. works I know how it works I just choose. to ignore. it I I like getting the points for the. airfare yeah after you could have bought.

like three tickets with the interest. that AC. crewed yes why the are you here right. now because I need help that was the. dumbest thing I've ever heard in my life. though you're not going to you're not. going to get anywhere if it's just a fun. little cutesy thing if it's a fun little. cutesy thing a cutesy thing's nothing. this isn't cute no one's laughing with. you no one's looking up to you right now. you're acting like a child. and you'll be laughed at like a laughing.

stock with. that you don't have to be cute and funny. this is your life this is huge for. financial audit for a year now my team. and I have worked with experts to create. what I truly believe are the three best. educational programs in the financial. space online we have our budgeting. program where I teach you how to create. manage and revolutionize your budget and. control your money and then there's the. investing program where I teach you to. Define what investing profile applies to.

you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary. project that we've been working on for. over a year now and just like over. 10,000 people who've already taken our. educational programs you can now take. advantage of all three of them bundled. together at a 15% discount I've heard.

from thousands of people now who've. taken these classes and they've. literally changed their lives for the. better and finally you can too at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this it is not cute to go and up your. finances to get a couple little. points I like. them you like them but you know how this. works. I do I then why it's very all over the.

place with. me what does that even mean I choose to. live my life however I want yes but you. said you want help so obviously that's. not working. child that's why I'm here then why don't. you actually acknowledge the reality of. hey maybe this point system that I'm. trying to take advantage of is taking. advantage of me and beded me over on a. daily basis I can acknowledge it you can.

acknowledge it are you going to make any. changes around it are you going to be a. little cuty. little well I mean I can still get my. points if I pay with the card and then. immediately pay it off I still get the. points buddy interest is aing on here. and you're not paying off the full. balance there's a balance of. $268 I don't think you know what payoff. [Applause]. means you don't know what payoff means. means I mean it'll happen within the.

next 10 months like you said I didn't. say that I said 16 years the well after. coming how months are in 16 years you. little after coming on this show you. said your guests pay off within average. of 10 months so oh pay pay well uh. median 10,000 in 10 months but those are. the ones who put in the work in that. median there are also people who at upop. and there are more people that have done. well you could head up you could go down. the up column While others are still.

doing well if you think it's cutesy to. get your little points I mean as long I. think as long as in the future I just. pay it off immediately you know if I in. the future you're not you're not you are. spending 2,000 more than you make how. would you pay off a credit card that has. a balance of. $268 maybe not pay off I don't mean pay. off the whole thing then why why would. we purchase on a card that is a quu. interest that is not being paid off if. you just pay off your purchase that. doesn't make any since you want to make. progress on it cuzz if you're not making.

progress on it then interest is acre and. then you get to the point where uh. almost $1,000 this year was a cruded. interest on this card so far you did not. get $1,000 in airline miles you did not. when's the last time you Ed your little. airline miles um a year ago so shut the. up okay but hear me out here I'm hearing. and it's like what if I spend 100 let's. say I spend $100 at the grocery store I. get my points for it and then. and then I immediately put 100 from my.

debit card onto the credit card I still. get the points. and and what else happens in that. situation go on keep going down keep. going down URS so shut the up cuz. interest is uring at an interest rate of. 31.7 4% so that $100 that's going. towards it should just be going towards. it and not just paying off a new. purchase it should be going towards it. net net okay man so that goes down so. that you have the chance to not ACR.

interest you are literally just leaving. it stagnant in that example which means. you are you are not getting points that. are worth 31.7 4% of your purchase. you're not and then. $268 stays there then that interest of. crew is completely obliterating any kind. of progress you've ever made also. doesn't matter I don't know what you're. talking about airline miles you're. getting door dash for Taco Bell you're. not going to bottom after Taco Bell door. Dash Freebird and then you're Uber in. and then audible go to the library you.

live in Austin it's a great library. system and we pay enough taxes for it. trust me I do love the library here but. I like to listen audible when I run in. the morning there's audiobooks on the. Austin Library website that you can yeah. oh I oh interesting literally I could. just like figure it out by going and. looking I could have cuz you're uh. someone who knows how to use the. internet you build websites you're 33. years. old I could but I like Audible. great brand loyalty.

fantastic I like getting my little. credit every month yeah it's like the. any gamification that has ever been. implemented through a product manager in. any kind of. system was fully geared towards you. because you feel like you're. accomplishing something you're not. you're fing making them money and you're. putting your life on hold and your goals. further and further out moving to. Thailand it's going to be a lot cheaper. but you don't have enough money saved up. even to get a flight to Thailand so I. don't know what you're talking about. you're not going to be able to move to.

Thailand your Thailand also you said you. have to get to your 250 users a month in. order to move there you're not even the. two I mean I'm at 25 you're at 25 yeah. I'm at 25 you have 25 paying the $39 a. month mhm okay how long has the 25 been. with you uh about a year and a half year. and a half what's how what's the average. uh uh length per subscription for each. or for none of them have canceled none. have canceled okay what are your.

relationships with them in general. they're people I've networked with. throughout the years in the beauty. industry so they're a little more sticky. because they're people you've worked. with for a very long time but as you go. through these cold traffic situations. and people give you their trust for. business they're not going to be as. sticky because it's cold traffic uh. especially if like people subscribe to. your Googl ads they didn't but the cold. dming that you're doing which by the way. that's going to be an endless that's. going to be a three full-time job to get. the number you're trying to get to if it. took you that long just to build 25 and.

they're already sticky through your past. you haven't had to deal with like real. clientele like a average real customer. you've had your sticky base which is. great it's a great Foundation to start. with but you haven't learned the. reality of what it takes bringing in a. new customer that is putting their trust. in you for the first time that doesn't. know you that's true I'm going to learn. this year yeah but when would you be. able to move Mo to Thailand in that. instance I'm hoping I can move by.

September when my lease is. up Indiana Crimson sitting across the. table for me. just destroying his life the $16. minimality payment all right my guy One. Main Financial this must be the personal. loan it. is so I took out the personal loan to. pay for a barbering mentorship that I. wanted to take mentorship the is a. barbery mentorship you're already making.

money what the are you talking about. please so I do mostly women's hair so. I've been wanting to dabble in men's. hair as well and so I wanted to join a. mentorship since I don't have the time. to go to barbering school I'm sure. you've dabbled in a lot of men's hair uh. yeah I have. actually. but such a stupid. show okay sorry so I signed up for the.

mentor or I was going to sign up for the. mentorship and then I started to kind. of loosely think about my finances a. little more and I decided instead. of f using those finances for the. mentorship I would get my emergency fund. going so what happened so I took the. loan out to fund my emergency fund where. is this emergency fun today I saw about. $11,000 in savings which by the way.

dropped from 2,500 uh I spent some of. it on what. emergency uh learning how to do hair. extensions that's an. emergency I wouldn't say it's emergency. I what do you think an emergency fund. the money out of the emergency fund to. buy a class for extensions a class are. you a class taker on just everything I. am a class taker that's how I get good. at what I do take course careers. accounting class please cuz that's what.

you actually need to learn cuz you need. to learn how to manage this damn. business and also take our budgeting. class our investing class as well. because you're all up in crypto um which. there's nothing wrong with that. specifically but you're 100% in that's a. little rough. um and take our debt class as well so. you just know how to better manage your. debt and utilize debt in the future. again once you're in a better position. they all get the bundle for 15 % off but. you you get it for free so go through.

that and then go through the course. careers one as well it's worth it I. promise your emergency fund it was. probably sitting in there at best. 5%. 4% the interest rate on this is 28.6. 4%. yes okay so originally it wasn't for the. emergency fund I just thought that that. would be a good. idea what 28.6 4%. just to have an emergency fund going I.

didn't at. 20 at 30% yeah that's not great but I. just I didn't I didn't want to not have. an emergency fund I didn't want you to. not have an emergency fund either but. this is debt that you are owing and you. are losing more money on it than it's. sitting in there if you took out a debt. at 1% and it was making 5% you could pay. your minimum Mony payment through the. money that you took out and you could. still make some more on top of it in. this case you would literally be losing. money on a monthly basis in order to pay.

this off that's not an emergency fund. it's just an IOU at a loss that doesn't. make sense and I need you to know that. cuz you'll do it a again but it just. feels good to have that money in there. in case something. happens I want to give you free money. right now I've partnered with different. resources that will literally give you. hundreds of dollars the moment you sign. up for them check out my investing app. of choice Mumu where they give you up to.

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what your investing profile looks like. and what investing strategies to use. based on that all of this free money is. linked in the resources section of the. description below so don't pass up the. free money cuz I'll punch you everyone. asked where is Carmen San Diego I'll. tell you he up his own. [Music]. assg well hopefully they're having fun. up there love that cartoon I just don't. get bu you just don't understand money.

you kind of like will accept what I'm. saying but you don't seem to acknowledge. that that is the path that you should go. down like you're like yeah the money. that I did the money move that I did. here doesn't make sense but also I don't. give so how are you VI yeah but that. look where that Vibe is like you. bankruptcy. 2020 and then headed towards it again.

not being able to move to Thailand not. getting your business to a successful. place not being able to buy a. house if that is not working for. probably at least a decade now why do we. continue it why don't we continue. something that is not working it is not. benefiting you the only thing you have. to show for it is clothes but that's it. I think you want more than that in this. world I do want more than that yeah then. why not change what is not working my. guy we're working on it no you're not.

you're you're literally not step what. I'm not a magic pill I like to give you. a wake up call get you connected to. resources build you budget absolutely I. mean that's is where most Americans are. the basics are. important but it's not a magic pill it's. you actually putting in the effort but. through your language here through your. mindset I don't see any effort that is. potentially going to be put in like I. said I like to to do the things. first and then worry about them later.

and how has that I'm very spontaneous. I'm. very give yourself a spontaneous fund. dude I can give you a big fun money fund. you make a lot of. money I like I make rash decisions for. sure I don't think you understand what. I'm trying to get. to that is not. working it has not. worked so maybe we no longer make rash.

decisions does that not make sense it. makes sense and I'm I'm then will you. I'm willing to try yes willing to try. try try for who for you it's not for me. me it doesn't matter I don't matter in. this situation dude none of this is. about me none of this is about me this. is your financial situation if you're. doing it for me you're going to fall off. in a month and a half if you do it for. you you end up like the average guest. I'll do it for me and for Thailand for.

Thailand so what is it going to cost to. get to Thailand after we've built to 250. paid subscribers it would cost about 15K. for the digital Nomad Visa which is a. 5-year. visa and it would cost the plane ticket. which is probably like a thousand it. would cost you don't even have that but. the good thing about Thailand is I could. live off of $1,500 a month there and. really get ahead that's kind of like my. whole plan is to get ahead what's get.

ahead what do you think get ahead is get. my savings up to what a 33y old should. be at at this point I can't going to be. less there I can't do that in America. unless I'm making like 150k that's not. true that's objectively not true people. who budget people who sacrifice people. who actually act likeing adults and act. like they have responsibilities and make. a plan they get there people can do it. on $50,000 a year people do all the time. on this show they do in the audience. they do think you need 150,000 what the.

maybe if you live in Manhattan. specifically sure but you don't not even. close I think I should preface that with. saying that I don't want to work until. I'm 65 I'm not trying to sit here and be. slow about it but you're not even close. to being able to get there. anyway I'm trying to retire by like 50. but you're not even close to that that's. Thailand you'd have to retire in. Thailand. I would I mean I could retire in. Thailand you would have to you're not.

going to retire inica years there I. could save a lot more money than I could. here you wouldn't cuz you would spend it. all that's all you do you could save a. lot more here than you are you're not. saving anything you could you're not. your actions are doing that it's just. going to translate over there just like. after your bankruptcy that didn't save. you from debt you're going back into. debt again without a behavior change no. you're just going to blow all your money. also in order to get there again in. order to make that amount of money where. you're actually saving a lot of money. you need to build and scale your. business a bit more now it's going to be. more difficult for communication wise. overseas uh so you're going to have to.

do that before getting there which means. you need to budget before and actually. start taking accounting and being. responsible setting goals for your. business and managing it correctly and. figuring out a new sales path strategy. because your only customers are the. sticky ones that you've accumulated over. the course of like a decade so I don't. see that plan happening it doesn't make. any sense and you're just going to blow. it all on closed anyway the money that's. coming in uh no I would just say no to. everything you just. said $1,000 for the ticket you can. barely even afford that let alone the. $15,000 Visa I don't I I don't know what.

you're talking about you lost up your. own ass my. dude I plan on with my cold DM strategy. to get to that 15 and how has that. worked I haven't started it. yet cold DMS that's like the basic most. like like good luck dude I get cold DMS. all the time guess what I've never. answered one cold sales DM would you. answer a cold dm with a website that's. already built for. you I'll be.

curious huh I don't know I don't. know yeah I'd be. curious 250 people it's a. lot how are you getting to that $155,000. to get the visa cuz you're not getting. there now not even close your savings. again went. down and we have a 30% interest loan on. a personal debt of. $693 at $225 a month so I did also I. start in January take on a side gig with.

a lash extension company that wants me. to you make enough money you're not. budgeting it and managing it quickly. this isn't an income. problem but go. on and they're going to be paying me a. th000 a month so I was planning on. piling that. away no you. wouldn't and you don't have money coming. in that you don't SP. anytime you make more money you spend it.

and also you have to make that extra. $122,000 a year because you're $20,000 a. year in website building is going to. zero now with the clients you have like. so you essentially have to do that to. somewhat make up for the 20,000 you're. losing so it's not a net gain anyway and. obviously you went into debt making more. than you're going to be making starting. in January so I don't see how that. progress is actually going to be made do. you see see how this math is working see. where my brain is going I see it. but so good luck it's obviously not.

going to work I think it'll work you're. assuming that $20,000 hours is still. there but it's not it's not there but. with the thousand and with the influx of. amazing customers that I get this year. I'm going to be there gu oh you are just. so really are up your own ass this is. crazy. okay what's your plan for this 30%.

debt personal loan aing stupid one start. paying it. down you haven't so you're going to. start saving up for the $50,000 and. starting to pay this down. mhm what's going to change cuz you. haven't well you made more money I'll. spend less money and how do you do that. in your grand. wisdom just make a goal for myself for. sake a goal without any actions is not a.

goal okay and take action after and what. actions will you take paying the debt. down paying the debt down is not. spending as much money what the are. you saying do you even understand the. words com out your mouth that I get from. this new job to pay the debt down it'd. be gone by September yes I would like to. save it but maybe I'll just put it. towards. that oh okay I don't. oh you just you seem just so confident.

in make. belief which is probably why you've. gotten to Nowhere at 33 you're not. successful you are a. failure you have good income but you're. literally on the books a failure and I. want you to know that not in like a. harsh brutal way but because in your. brain and probably people around you. because you do have clients because you. do make money you probably think you're. all that you think you're the probably. think you are successful you are. literally not you are literally by.

definition of failure and I need you to. know that not from a mean way but so. that you can bring yourself down to here. and realize that maybe you should change. your path and actually put in some work. and not continue the same thing you've. been doing for a decade and a half now. I'll manifest it I'm going to kill. you hopefully you just said that just. the with me no and not cuz you're like. actually or something you don't believe. in manifest. ation you said I asked you beforehand. you said you've seen the show I can't.

remember a time that you said you don't. believe in manifestation how does that. get us anywhere why is just believing. instead of putting in the work do. anything no I accomplish by putting in. the work not by sitting there going. please well manifestation is actually. the please plus action uhhuh but you do. none of the action so if that's the 25. is the time for me to do that to do that. it's such an artificial area when we. decided a new year starts that doesn't.

actually do anything move to Thailand. you need 16,000 hour minimum to do it. you're not even close to that you have. $1,000 down from 2,500 in savings over. the last month you spend $22,000 more. than you make on a monthly basis meaning. you're going to be negative $1,000 over. this next month what are you talking. about you can't move the Thailand until. you are substantially higher in the. reoccurring monthly reoccurring Revenue. which you're not getting to because you. haven't figured out a sales strategy has. worked you're going to try a new one I. hope it works but you haven't proven it. yet so I don't know what the you're. talking about that's not manifesting.

that's being a dumb it will. work I don't know how to deal with. people like you I like I I'm I just I'm. tempted to just end it in that situation. because that doesn't get us anywhere. that mindset is the mindset of a child. how do you have that at 33 it will work. it hasn't worked it has not worked when. I have a goal and I try things to get. there and it doesn't work I change what. I'm doing to try to get there that's. what I'm going to do but. you're you you're you're unable to.

Define what you're going to do though. you're unable to Define it in detail I'm. going to start a cold DM strategy yeah. I'm going to put the th000 towards. debt maybe and I'm going to spend. less yeah but you haven't said how. you're going to spend less and how. you're going to manage that how are you. going to grow up how are you going to. change Behavior I will cancel my audible. membership and get a library card okay. it wasn't just about the audible that's. just that's just like when I call out.

Spotify constantly it's just the example. of the discipline and the lack of lack. of. sacrifice the ex the example of just. endless reoccurring. expenses MH that are you it's not just. about the auto okay Cooks over so when's. a higher credit card balance in the last. one. $3,469. 75 with a $121 minimum monthly payment. great we're purchasing again while.

interest is uring so getting to that. goal yeah really manifesting it bying. yourself this one takes 18 years to pay. off congratulations and that's without. purchasing anything so well done we can. get the Thailand in our. 60s Prime order and then Prime video. like a movie rental or something yeah it. was the subst have you seen it. incredible loved it Margaret is my.

absolute wife even though she's married. she just doesn't know it yet but she's. Perfection yeah she is I. agree total interest charge this year. over. $1,000 really getting us Thailand. quicker it'll be handy to pay off all. this debt in order to get to Thailand. but in the path you're going in order to. survive in Thailand you're going to be. the the one giving the. handies 30% interest on.

here I don't give. handies. Volkswagon okay we're almost halfway. through your payments looks like a three. four year loan. ish VW what is it it's a lease great so.

I wonder what they baked in there oh. what's your what's your buy out at the. end you know uh if you bought it out. today what would it be plus the 9,312. still remaining I think the buy out. 16k okay so even today then if you. calculate the 16k plus the 9k you still. owe on it you're underwater by about. $7,000 so if it depreciates at a. relatively similar value of your minimum. monthly payments you know which probably. won't necessarily but you're on track to.

probably be underwater regardless when. you buy it probably because when you got. this the car market was much higher so. it was calculating that buyout value to. be higher at the end the car market. value has corrected a little hasn't gone. to where it was pre- pandemic probably. won't for a long. time lease wasn't the thing to get in. there man and then they baked in fees. and in their version of. Interest essentially into that minimum. Mony payment it's probably something. like 15% I think so I did have my.

stepdad cosign on it so it's definitely. lower your stepdad's on this. mhm for sake that is not fair to. him what are you going to do with this. by the way with the multiple years. remaining still and you want to go to. Thailand and your dad stepdad. is very much on this. still um I Loosely have thought about. that I was thinking of just buying it. and then selling it.

immediately where is this. 16,000 no whatever like $20,000 is. coming from to buy it right now if you. wanted to 25 where's that coming from to. be honest I didn't realize that you. still had to pay if you bought it out. that you still had to pay the rest of. the payments so that kind is thwarting. my idea here a littleit but how' you. think you would do the 9,000 anyway. you can't do a $11,000.

flight oh my you're Vision how you think. you're going to get there is so. incorrect and so. just it's so misguided and it's just. going to lead you to a place of never. accomplishing anything and you're going. to be a failure at 63 like you are at 33. and that sucks and I don't want you to. be there and I need you to correct this. mindset I need you to correct this. mindset I. will I don't know man what if what if.

I take a loan to buy the car and then. immediately sell it and pay the loan off. how are you paying the loan off you're. not already paying the lease off the are. you talking to me you have to get a. $225,000 loan to pay off those $99,000. and then get the car you don't know what. you're talking about no money is you you. spend $2,000 more than you make on a. monthly basis you're not gonna pay off. this loan shut the up no that's the. dumbest thing I've ever heard okay sorry. no good no. no so as many of you know I've been a.

big supporter of course careers for a. long time I'm not just a partner I. actually own stock and I'm an investor. so why did I partner with course careers. because I truly believe in what they're. doing a lot of people have questions. about online certifications versus. traditional college degrees let me be. clear I wouldn't put my name behind. something unless I knew it worked the. thing is not everyone has the time or. resources to spend four years in college. or take on massive student loan debt. course career offers a practical. affordable way to launch a career in a. high demand field like Tech sales it and.

accounting where companies are hiring. based on the skills needed not broad. college degrees in fact right now one in. three companies are dropping degree. requirements and that number is only. going to continue to grow I know some. people think online programs are a quick. fix but that's not the case here course. careers takes effort and commitment but. they provide you with a streamlined. proven path they offer up-to-date. self-paced courses one-on-one or group. coaching from people that work in the. industry and most importantly they help.

you actually get hired just look at. graduates like neso who went from. driving FedEx trucks to a cyber security. job at Disney that didn't happen by. chance he put in the work and course. careers guided him every step of the way. and what truly sets course careers apart. is that it's not just about learning. skills about Landing a job their. curriculum is designed based on what. employers actually need and their. network of Industry coaches will guide. you through the entire process from. learning the skills to interviewing. resume help and Beyond so if you're.

serious about starting a new career. without wasting years or piling up debt. give course careers a try start with. their free intro course Linked In the. description to explore your options and. when you're ready use the link in the. description for $50 off the full course. your future starts right now and course. careers is here to help you shape it. okay but what it I. mean after I buy it I sell it take that. money to pay it off no because again if. you get it right now it's going to be. $25,000 it's worth 18 MH you'd be.

underwater okay yeah okay so the plan. that I had originally is. not sounding as great now in my head no. plan no plan you've had sounds great. I've been able to put a hole in every. plan so. far. yeah and now I have a lot of thinking to. do well if that's we get a little bit if. that's what we get from this.

conversation that's actually at least. something good you know if you're. actually thinking if you're actually. thinking after this and you're able to. reflect on this I will accept that a. little bit a little bit. more so student loans yeah 53 again it. was my least concern because the. interest rates probably aren't there's a. couple. over there's a couple over 5% but. there's actually quite a few about 7%. these are not good federal student loans. ah sh 55. 53,486.

3,000 in student loans. but it's not like yeah but you could do. four years and not do 53 yeah we using.

student loans for other things like. living. expenses um I did get like a refund from. each of. them and you use that exra that refund. you use. that you should have just put it right. back it's not a refund like free money. it's still money you owe and now it's a. 7% stupidity death mhm let me give you. an example there's a coinbase account in. here right I think so if I use my. brokerage which is Mumu if I put all the.

money in. there what you're smirking like a little. what oh I'm just listening okay if I put. my money in there I invested in the. s&p500 it's getting 8 to. 10% let's just do 8% like the market. history over the course of the entire. history of the stock market let's say. that yeah wonderful that's only 1%. that's only 1% made versus what you are. losing on these student loans almost.

essentially not worth it because the. risk over your head of the student loan. something not forgivable by bankruptcy. if you have learned. is to hold that over your head so there. is no point of using that money for. living expenses CU you're not beating it. in the market you signed up for the. student loan debt after your bankruptcy. I. did so you just went to school so you. went to school in your late 20s. yes but why aren't you using this.

degree I'm not I finished in April so I. oh you're still going I'm still going. I'm not pay why I asked you how long the. degree you should have told me you're. stilling doing it I'm almost done it was. a 4-year degree I took a little Breaky. and here we are and nowhere in your plan. has it been in the plan it's not in the. plan what are you doing why are you. spending this money then why are you. okay with just getting more de. that so the original plan when I okay so.

my I had to shut down I had a studio in. Vegas where I did hair I my own Studio. okay and we had to shut down for two and. a half months and so during that because. of the pandemic okay and so during that. time I needed some sort of backup plan. and kind of my thinking was O I could I. could have a bachelor degree and go to. coding boot camp and become a coder if. like the hair thing doesn't work out yes.

but after a couple semesters when the. hair thing was working out why' you. continue I wanted to finish it you're. finishing it's $53,000 you owe now I. don't give about a piece of paper. that you're never going to use I didn't. want to owe and not have anything for it. yeah but you would have owed maybe 5 to. 10 instead of. 53 and you're still not going to use. it that's the dumbest you're. you said you sat and thought about it. you sit and think a lot but you lead to.

the dumbest conclusions Ever every time. maybe you shouldn't think maybe not but. at the time it felt good no no no you. just need to like talk to professionals. before you make these big decisions. surround yourself with smarter people. I'm a spontaneous person I make really. quick. decisions and then think about it later. but even you're thinking about it later. isn't getting you. anymore so you graduated in April mhm. what's the grace period after that. before payments start my payments will. start in November and it's probably.

going to be about 700 bucks a month. mhm it's going to it's. horrible this. is. [Music]. okay. 7% death stupidity so yeah savings went. down from 2,200 7 to. 1,000 mhm why where to go well we spent.

$2,000 more than we made on a monthly. basis so we could fuel $750 or whatever. it is in fast food spending well done go. ahead I'm not exactly sure where that. savings went where do you think it went. you intentionally took it. out so try to think I know you like. to clothes maybe that how much did this. whole outfit cost. probably like.

1,500 dude I just like restocked my. winter winter winterwear for the first. time in literally 5 years I have not. bought a single thing in five years for. winterwear just doesn't get cold down. here very often um and I used my. friend's discount at Express and I spent. 1,500 total to get like I could wear a. new outfit for 3 weeks that was, 1500. and one outfit, 1500 is the. thing and you have debt and you not. hitting your goals I'm going to you're. just I can't comprehend your brain so.

this outfit was from my old. spending so this isn't a recent outfit. it's still the dumbest thing ever I. don't care when it was you still spent. it I did okay um little over a th in. your checking account he went in got. some bull. Amazon door dashing waterburger.

Amazon whose are you paying to look at. only do you want to know the. name H I guess not why are we. subscribing to that though I like. him just get you a little grinder and go. have fun why are we paying you think I. don't do that already sometimes I want. to be alone listen listen I I get a sash. I get it we all have them we're dudes it. happens I don't pay for mine why are you.

paying guy it's so dumb and also there. are sites where you can see what's. behind the pay wall for free oh really. yes I'm not naming any sites you can. tell me later no cuz I feel like I'm. going to fuel some like addiction or. something from you you're already paying. for it but why dude we have debt we're. not hitting goals but we're paying $8 to. see an anus it's only $8 it is it is a. good one. yeah how different can an anus be from.

anus to anus it's not just anuses door. Dash and Pete Terri's I swear if there's. any more o on here I'm better not I only. have one thank how often do you do that. like pay for it yes it's monthly oh you. subscribe to him consistently yeah oh my. gosh you actually I wondered how they. all made money that makes sense that. makes sense people like you. professional gooner look at you.

shotskis Apple Bill Amazon McDonald's. lime pass you take the pass for the. scooters jeez McDonald's more lime pass. sake City Cana City Cana City can. City cast what's all that it's like a. million dollars I think the that was. during ACL time is wait what lines up. okay what is it so like the Line pass we. no City cashless I think that's probably. a ACL I don't oh oh yeah I don't know. yes it's tapping your little wristband.

so you're just getting drinks and. endless you can't even afford to live. mind you this is likely what you took. $1,500 out of your emergency fund which. is owed at 30% in debt I'd say you for a. music festival well. done did you see my lesbian wife. chapelon though yeah she amazing I got. covid for her it was worth it it was. worth it I love her Google Apps. Kami that makes.

sense Taco Bell. McDonald's connoisseur smoke. professional like fancy lung cancer oh I. don't I don't smoke cigarettes I don't. even yes and what did you think it is. you could have told me like why did I. have to know that that was like why did. I have to go down a rabbit hole to find. out you know what you smoke mhm food. food food food food food all at the. music festival or drinks or bevs and.

McDonald's and Uber trip and Uber trip. and Spotify there it is I told you it. was going to pop up Twin Liquors getting. drunk and Twisted Cork Wine getting more. drunk door Dash and McDonald's door Dash. and McDonald's Starbucks Uber trip Uber. trip canva I can see canva for your. business uh but U Chachi P May me for. your business I don't know if you need. that I think you can figure out things. door Dash you door dash for sprout and. say you door Dash like crazy that was a. $50 door Dash V mov out.

$100 creature door Dash gift card $50. door Dash gift card you getting a gift. card from door Dash kind of gift card. are you getting from door Dash I got a. gift card cuz my friend watched my cats. so I bought him a gift card Barnes &. Noble buddy Library McDonald's ven wi. out $25 ven wi out. $17 Ducks. SN I have no idea what that is oh it's. $26.75 rented something on peacock I.

think Uber trip door dash pass so we got. the subscription Southwest inflight what. the you told me you told me you. purchased last flight was a year ago. well that was when I used my points a. year ago you mean yeah well where'd you. go this time cuz you got hotels too it. was for the lash extension convention. that I go to lash extension con. convention we just walk around and see. who has the longest fake lashes and. looks the fakest it's I used to do.

lashes so I go to this convention every. year convention and now they hire me to. work at the convention oh I'm sure it's. the grinder hot spot in the country it's. actually there's probably only like. three gays there so it's actually kind. of mostly women you'd love it but I. don't like the fake ones you know. there's not all fake ones but their. lashes are probably just like like. weapons hit you across table some. blink flas Apple door Dash and Asian.

Playbook Technologies what's that it's a. workout app you need an app to workout. well it gives you like all the a workout. plan I'm and then it shows you how to do. the workouts I get it you worked out so. you can go get McDonald's and then you. ven mode out 47 hours buddy boss.com 300. bucks that's a um a plugin for WordPress. website stuff so that's more business we. need to figure out is that annual or. monthly annual okay more uh Shopify.

Amazon. Netflix McDonald's this is endless dude. door Das pus you eat horribly by the way. you eat worse than I do but you work out. Amazon door. Dash something uh Quay. USA ATM 120 Buck who knows where the. that went went to a restaurant door Dash. and Free Birds waterburger ven M out.

five bucks Stars Entertainment someone. pays for Stars Entertainment I didn't. know the company existed today I paid. for it for like a month or. two door dashing door dashing fat weird. something what the is weird I think. they're what fat weird. cookies Amazon. pet teres door Dash and Free Birds door. Dash and Free.

Birds 7-Eleven door Dash and waterburger. blonde Chronicles I'm going to kill you. dude this is crazy your behavior is out. of control went through a bankruptcy you. didn't change anything it's a joke what. a joke Fandango where was Fandango for a. movie oh that's right why did I. Associated that with a concert ticket I. don't know why McDonald's door dashing. free bird dreamers can you just go in. and pick up food my I know you have a. car I'm lazy no sh and that's not.

getting you anywhere other than in other. bankruptcy and never accomplishing your. goals congratulations. dreamers Amazon door dashing waterburger. door dashing something another Apple. Bill what kind of subscriptions do you. have man all right pull up your Apple. subscriptions for me let's take a. look oh dreamers is a so not just paying. to look at other people's but you're. getting your what did you get what. little equipment did we get weapons did. we. acquire I feel uncomfortable to admit.

this but we have poppers in the office. oh what's that for it was the white uh. it was the secret Santa for our member. stream and our for Hammer Elite members. and Hammer VIP members join our. membership support the channel and you. get to witness insane like that was not. expecting who got Cameron poppers Aon. our newest employee bought the guy who. runs our membership. poppers Brave of her that's hilarious.

was very smart everyone was with each. other uh okay an eign Apple Care Plus oh. and there it is there's grinder it's. expiring yeah but you'll renew they. always do gave up Bumble you just went. for the hookup version. instead yeah it's quicker it is but. you're not going to get anything. sustainable from there you know you want. a partner yeah mhm okay I don't know if. grinder is the way to go you never know.

I've gotten all my partners off of. grinder really so the well. also hasn't been successful one of them. lasted six years it's good didn't last. seven it did. not yeah savings. joke coinbase okay so what do we got. going on uh. ton of crypto but how much in crypto. like cash or uh it changes a lot.

obviously what's your crypto account. worth today I think it's sitting at. 12K what in crypto M pull that and pay. off your fuing debt are you stupid no no. no seriously no I'm not even kidding can. sell it today and pay off your 30% debt. dude I'm not even like against crypto or. anything I think you can incorporate it. in a small percentage in a balanced. portfolio but still you have multiple. 30% debts it okay so it was 16,000 last.

week so I'm I would love to take it out. and pay everything off but I've been. holding on to this for so long like I. need to wait until the end of next year. when everything's going to pump like it. could be worth hundreds of thousands I'm. going to kill you I I'm going to kill. you it could be it always could be it. always could be the country could. collapse there is a pattern there is a. pattern pattern in what in general. Bitcoin these days when the market goes. up Bitcoin kind of goes up these days. it's kind of what you're seeing in. general well if you look at it every. four years there's a huge pump like when.

Bitcoin went you wouldn't say we just. had that postelection no it's that was. was hug that was. Tiny it's going to go it's going to be. four or five times that by the end of. next year so what is your confidence in. this other than your manifest bull if. you research crypto pump what are you. talking about it went from 58 to 96 it. did pump but that's the third largest. pump Bitcoin has ever had oh but it's. not that big what are you talking about. it's the third largest in terms of.

percentage increase uh other was 2020 uh. and then the other would be 2023 into. 2024 so what the you you're insisting. it's going to go again so there's been. three major pumps and it looks like it. happens once every half a. decade yeah every four years there's a. huge had one the last was 21 and 22 so. the next one is 25 are you kiding me. again from June 2023 to February.

2024 that was the last big pump and then. we went from July 31st to October of. this year was another huge pump the same. percentage increase just about MH or or. same number added just. about and then the last one before that. was from September uh 2020 to February. 2021. you're you're you're you're incorrect I. don't think so I'm pretty solid on.

this I think by the end of next year. it's going to be insane then I'm done. because you're done and it's easy as. that congratulations your Life's a. failure and it'll continue being a. failure because of that that's not where. I wanted the conversation end but I. can't have a conversation with that that. is just uh if I can't get you to pay off. 30% debt today when you easily could and.

make your life better and get closer to. your. goals there's no more conversation to be. had I don't know why the he came on what. a joke we're going to go to the Post. show we'll have more pleasant. conversations there and have a good time. but as far as this part I'm done because. that's a joke what what what a sad. excuse for a 33y old so that's rude but. come on like. what okay you did a pump and D let me. guess you're out there buying Hawk to a.

coin Mark cubin was buying this coin I. bought some of it in 30 minutes it went. to zero 30 minutes I thought it was. pretty cool because Mark Cuban also lost. a lot of money so yeah but he's a. billionaire he can lose some money. you're mistake as me though yeah but. you're a dumaire like you have no money. you are a bankruptcy in there to watch. the financial audit post show click the. join but button below.