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

The American dream is is is not a thing. >> Is it I want to leave because America's. dead. >> Yes. >> Grass is always greener, ladies and. gentlemen. >> I'm already a a micro influencer. I'll. put myself in that category. >> Up. These statements go through mid last. month. >> Well, well, I've been doing my own. budgeting, too. >> I don't trust your budget. You're not a. reliable source. Look at the financial. situation you got yourself and that. means nothing. >> Okay. All right. Sure. Sign up for the new and improved. Dollarise budgeting app. Take the free.

trial and if you like it, sign up for. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. And for a limited time. only, if you want to bundle all of my. educational programs together with the. budget app, join Dollar Wise Central and. save 80%. Take the trial and learn more. at dollarwise.com. I'm Dylan. I'm 26. I'm from Miami, Florida. And you're and you're watching. Financial Audit. Hey, you plowed through it. You kept. going. >> Got a little voice crack there. That's.

what matters. It's not simply my style. >> Absolutely. So, thanks for coming over. from Miami to Austin. What do you do for. a living there? >> So, I'm a social media marketing. specialist at a car dealership. >> At a car dealership. >> Yeah. >> Okay. >> Big one. >> Interest. A big one. Okay. Sure. Okay. Yeah. What does that make? That's. >> um. >> What does a car dealership social media. do? Okay. Yeah. >> What do you make? So, my salary is. 54,000. Um, but I'll say net what hits my. account per month is about 3,300.

>> Wow. Quickest we ever got through that. answer to even asking that 3,300. That's. wonderful. >> Good. Okay. Is this full 40? Full 40. hours a week and everything. Full. full-time job. >> Yeah. Yeah. >> Cuz social media doing with a car. dealership. I Okay. I don't actually. need to know the answer to that. question. >> It's kind of a new thing like car a lot. of car dealerships don't really care. about social media marketing. So, it's. something that So, it's just daytime ads. and, you know, evening news. >> Yeah. >> Okay. >> Pretty much. Yeah. >> Well, cool. Congratulations. 3,300 in.

Miami. How you uh how you doing with. that? >> It's all right. Miami is pretty. expensive. I was. >> You got the Miami energy. >> Uh I don't know if it's like the shirt. or what or the fade. But. >> yeah, I just see you doing pull off the. flap of a. >> I don't do that. Um I'm more of like a. smoke weed and have a beer type of guy. But I also lived in New York for a long. time before this. I've only been in. Miami for a year. >> Oh, okay. Yeah, >> cool. Well, how you doing living there? Cuz Yeah, like you said, it's expensive. >> You know what? It's cool. I I I live by. the water. I drive a droptop. I have my.

fiance. Uh we go to I have a fiance. Yes. Going to get married. Yeah. >> Okay. Well, well done. So, this will be. a dual income household soon. >> Uh it it is. Uh. >> does she know about your finances that. we're talking about today? >> She is very aware of my finances. >> and her thoughts. I could be in a better. situation. Um, and I. >> Well, obviously some everyone would. think you could be in a better. situation. What's her thoughts on.

>> your finances getting into her life? >> Um, that I mean, mostly that I need to make. more money. I mean, I. >> Is that what it is? Is that what got you. here? >> Um, I mean, it's also, you know, spending over the course of that. Why is. that not what we're concerned about? Why. is that not what she's concerned about? Does she. >> She's concerned about both in the sense. that I need to be on top of budgeting. >> Does she have insights into your. spending? >> What do you mean insights? >> Like do we have like a joint account.

>> into your spending? Does she have any. knowledge? >> Oh, for sure. Yeah, we talk about it all. the time. >> Okay. So, knowledge. You got there with. knowledge. But the word insights that. really freaked you out. Okay. I I don't. know because whenever whenever people. talk about like couples trying to get. married, for some reason they want to. start talking about like joint accounts. and stuff like that and we're not there. yet. >> Oh, she made you apply to the show. >> Uh she did. Yeah. >> Okay. >> She actually put me on to the show. >> That makes sense. >> Yeah. I I didn't know about you before. Uh yeah. >> When are you guys getting married?

>> It's no rush. Probably. two years from now. >> Oh, okay. >> Yeah. >> Yeah. No rush at all. It seems that's. okay. Yeah. >> However you guys want to do it, that's. fine. Okay. So, what's going on, man? What are we talking about? >> So, okay. So, here's the big thing is. that we want to move out of the country. We want to move out of the country. >> Why? >> And um I mean a number of reasons. One, some political with like how things are. going right now, but also just like look.

man, the American dream is is is not a. thing anymore. if it ever was. I'm not. thinking anymore in 2025. Well, let's. put it this way. If you if you have to. >> Are you not making $54,000 a year in a. major city in the United States? >> I mean, sure, but it's I don't know. I I. want more. I want to live in a walkable. city. >> I do, too. You're from New York. >> Yeah. Yeah, I am. >> Go back. >> Yeah. >> Um, we want to experience living in more. of the world. We traveled uh to Europe.

and Latin America. >> There's two parts of this conversation. If it's I want to live in the other part. of in other parts of the world to. experience other parts of the world, that's fine. Or is it I want to leave. because America's dead and then that's a. different conversation. >> I mean, it's it's a combination of both. I mean, sure, I'm I'm doing okay with my. current job, but I. >> Yeah, >> I I want I I'm actually building a. personal brand as an influencer. I'm. taking a lot of the skills.

>> from my day job as well. >> What is your influencer, dude? >> What is my influencer? >> You think he came on here for. influencer? I think it was his. girlfriend applied for him. Okay. Or. forced him to come on the show. Yeah. What the [ __ ] is your influencer? What. is your influencer? Give me your. influencer. >> All right. Okay. Let's slow down. I'm. I'm already a a micro influencer. I'll. put myself in that category because. >> I don't know what constitutes as that. >> About 3,000 followers within 6 months. >> Okay. >> Focused in a particular niche. which is. >> classic automotive. >> Ah yes,

>> going international for classic. automotive. >> Of course, because there's a bigger. market for it in Europe than there is in. parts of the US where people like. >> classic automotive. >> Uh yeah, because because Americans are. buying EVs and SUVs like they're not. >> So you're going to Europe when you say. you want to see parts of the world, you. go into our closest culture. >> Uh I we can debate about that. Let's. talk about. >> our closest culture compared to the rest. of the world. I mean, you're right. Canada and Australia, sure. But then, come on, Western Europe.

>> Um, I mean, I'd like to explore Eastern. Europe, too. The point is is to get to a. place where I can where I can explore. more where there's, you know, walkable. cities and where I I might as well raise. our children. I mean, it's either that. or Latin America. We've explored a bit. of that, too. She is Colombian. I'm. Dominican. So, >> okay. But then there's like. >> at least Europe has like thriving. economy. Even if it's flatlining, it's. still thriving. You have places that are. blowing up like Poland and. >> Sure. Yeah. So, so you're saying my.

point that there's options in Europe. >> I'm not saying there's not. I'll support. what you want to do. I'm trying to. understand your why. Because we've had. people that have come on this show that. want to abandon everything, up their. finances to move over there for very. silly reasons. If your reason is, oh, because I like the culture, I want the. walkability. I want to settle down on a. career that makes more sense there. That's fine. Well, again, a lot of. people are willing to blow everything up. because, you know, uh, politics in its. current state are what they disagree. with, where it'll probably change in.

four years cuz that's what happens every. single time. They're willing to blow up. their life just for the sake of an. election, which is very silly. >> Um, that is pretty silly. I mean, hell, >> is that you? Cuz you said the you. brought up the politics. >> I could add the context. I was in Paris. when the election happened and we almost. didn't want to come back, but it we did. >> Yeah. Okay. Paris. What? >> France's unemployment's. >> the economyy's their economyy's [ __ ]. like France is not the place we would be. moving if we're trying to look for a. thriving place. You'd be looking Norway.

You'd be looking Switzerland. You'd be. looking I I would like the Netherlands. I really love She loves the UK. >> Spain is a failing country by every man. That's hardly even a first world. country. >> Well, I'm looking at making money online. anyway. >> Grass is always greener, ladies and. gentlemen. >> Okay, man. >> Well, grass is always greener. >> Sure. Yeah. I mean, but remember people. move there from here because it's a. great big world. >> We're still in our 20s. >> Who knows what could happen in life? >> Uh yeah, you're 26. Um but you're. talking about settling down, making.

kids, right? Isn't that one of the big. places. >> eventually? I mean, yeah, a few years. from now. >> What's the country you guys are picking? Like when are we doing this? Cuz I'll. support you to get to what you want to. do because that's the point of the show, right? It's like unless what you want to. do is just completely damaging to you, then I won't do it. But I mean, if if. you want to move there for reasons. that's just like, "Yeah, I want to move. there." And you're not like because. you're like, "Oh, Oh, you I'm scared. It's like, okay, then like that I'll. push back against, but whatever. It's. fine. Um, but this influencer thing and. wanting to settle down with kids and I.

don't feel like you know where you want. to go cuz you just mentioned three very. different countries. >> Um, there's definitely some time to. spend exploring before deciding on. exactly where we're going to settle. down. I mean, we. >> So, what's the timeline on this? What. What am I doing here? >> Okay, that's a that's a great question. um some money to fund this. >> Uh there is some savings. >> What visas are you looking at? Like what. what are we doing? >> It would make sense. >> There is some savings. Well, then I. would highly Let's have a little fact.

check real quick. >> Uh fact check. Uh $164. >> It's not It's not just my savings, but. but also more important. >> Okay. But more importantly is that. >> Well, he has $22,277. now. is that we have skills. I have. skills that give me a lot of freedom to. work in different places. >> You've accumulated a couple thousand. followers. I'm not saying that's. nothing, but that's not an income. replacement. >> Uh, no, but I'm on my way over there. This is still This is only my first. year. Not.

>> 3,000 followers on what? >> On Instagram, >> right? Okay. So, >> I can start doing Tik Tok. I can expand. into this. I was going to say start. doing affiliate marketing. >> cuz that's what it would have to be on. Instagram because Instagram doesn't pay. dick and Tik Tok barely pays dick. But. at least they pay dick. I'm at least I'm. I'm at least aware of of options. There's a whole lot of there's a whole. >> What's the affiliate marketing you're. doing in the world of cars because I. know a car creator. They have well over. a million followers on YouTube, get. hundreds of thousands of views. I don't. think it makes the money. I think it.

does. And they get all the top. automotive affiliates. >> Okay. I mean, yeah, there's there's a. lot of options though. I mean, yeah, there's classic car dealers that have. affiliate programs. There are. >> classic car dealers. So, you're banking. on like one a year. Uh, no. No. Because. I'm already in the industry of car. sales. I'm I'm expanding my skills to. work for myself. >> in the industry. Buddy, you're. marketing. >> Yeah, I'm marketing. >> I'm sorry. You're You're not a car. salesman, >> bro. In 2025, >> trying to get people to go to the. dealership. >> Come into car dealerships.

>> without People don't know where car. dealerships are unless they see them on. social media. Buddy, >> what are you talking about? I'm pretty. sure they just use Google Maps or Apple. Maps and just search. But then you need. to look at PE. Okay. The modern car. buyer is very educated and looks at. their different options shops around. >> based on the cars I've seen people have. on the show. I would disagree. But. >> I'm Well, continue. Continue. >> People aren't exactly educated always on. their financial situation when buying a.

car because people sign up for. >> So you're educated on what they goon to. >> Yeah. I'm I'm I'm educated on the scam. of auto loans. No, you're saying the consumer is. educated on like the car they want to. just like oh. >> yeah consumer consumers are educated on. on what they want in terms of the. product. >> Sure. They see a nice car on TikTok. You're saying that's them educated. I. got you. Okay. >> Okay. But it's also not just that. It's. also that I'm working in the classic car. community. I've I've expanded. >> your major dealerships. All classic.

cars. I thought no no no no. The classic. car thing is just me. This is something. that I do. This is my influence that. I've been building on my own and and in. doing so. >> Let's vet it. Show me the Instagram. >> Let's bet. You want to see it right now? >> Yes. >> Okay. >> We're gonna blur the names cuz I do not. allow people to plug things, but I will. screen record it. >> Should totally plug it though. >> Nope. >> You know the rules. >> It'll be a great opportunity for. everybody. Maybe in the post show. >> Sounds like only you.

>> All right. Yeah. Well, I'm at 25, but. here you go. Let's take a look at it. Let me know what you think. Here's a. little. >> I meet with classic car owners. >> It doesn't even have his pictures. finders. >> That helps. Meet. >> with the owners. Help them find buyers. through my platform. People that follow. me, you know, particularly what why are. you why you looking at me so hard? Yeah, that's me. >> Okay. Because in that you like right now. >> I I needed a haircut in that uh in that.

video. Yeah. >> Get like a, 500, 400. >> Yeah. I mean, we're just getting. started. Um, I I I I'm I'm getting a. decent amount. >> How many followers did How many. followers did you get engagement? >> Okay. >> Okay. Look, I'm on my way to 3,000. >> Yeah, it was a very round up by Hold on. >> Sure. Go ahead. >> He He rounded up approximately 20%. >> Okay. Yeah. If you want to take a deep. dive into into my professional.

dashboard, I'll I'll be at 3,000 before. the end of the month. That's just my. average growth rate. Okay. I hope so. Like, I'm not discouraging. It's just. >> What? >> Is this not an iPhone? >> It is an iPhone. I still have. >> Where's the button? >> I just have a case on it. >> Where's the button? >> Yeah, the button fell off the case. >> Yeah. So, that's that's one thing. I. haven't bought a new case, but I don't. really need one. It works for me. Why. would I buy a new case? >> Cuz I can't unlock your phone right now. >> Well, it's my phone. >> Okay, but anyway. Yeah. So, I I've been. working in videography, photography for.

some for some time now. And the bigger. scheme would be to help find homes for. classic cars because people sell them, people buy them. If I can help sellers, >> man, I just don't know if I can say this. is good or bad. I just don't know the. community. I'm sure it's a very niche. thing. >> Yeah, it is. >> But it's just like. >> it's a great niche. >> This is what you're banking on. And it's. hard. Well, we're sitting at $22,000 a. day. And you're like, we have I have. savings to get there. It's his fiance.

savings. >> We work as a team. >> Yes. How much in savings does she have? And then I'll deduct 20% from it. >> 8,000. >> Okay. So, it's probably closer to seven. Gotcha. >> Okay. All right. Yeah, sure. >> And that's more important than paying. off the $22,000 of debt, which is all. bad debt, by the way, not good debt. They are all credit cards. >> It is all bad debt. Um, could be worse, but it is all bad. >> Sure, it could be worse. Like, why the. does that matter? Who gives such a [ __ ].

>> Okay, man. Because it could be worse. >> Or you just get Are you just trying to. flee your debt? Are you trying to flee. your financial situation? Trying to flee. flee that you just haven't found the. life you want to live here. I'm just I'm. confused. I vibe with the walkable. community things such as yourself. >> Yeah, right. Who doesn't? Um, I mean, clearly a lot of people paying off the. debt is a lot more important and that. could be, you know, that could push back. the plan. I'm being told you told Colton. that your lease ends in 5 months and. that's when you told me that's when you. told him you wanted to move. >> 5 months.

>> I. >> remember the savings is probably $7,000. That doesn't even come close to paying. off half of this debt. >> I just have to be more aggressive with. paying off the debt. That means more. aggressive on budgeting. >> Seven in five months. When our savings. can pay off a third, make this make sense. It's not making. sense. Well, like like I told you, what she's. been saying is that I had to make more. money. So, >> okay, five months, you don't know where. you're going to move. You don't know the. visa process and financially how you're. going to do it. Please explain to me.

what the your plan was cuz right now. there isn't one as far as I can see. >> Right now, um there's still a whole lot. of planning and research to do. >> Months for international move. Yeah. Visa. >> Yeah. Okay. I mean, we're looking at. going back. We're looking at going back. to school. You know, having a student. visa creates a lot of options. Yeah. >> Yeah. >> Okay. What are you going to go to school. for? I feel like we'll lose our income. and paying bills for that. >> Well, school can be a lot more. affordable overseas than it is in the.

US. >> Yes. >> That's also why dream is dead. >> Just a fun fact for you. If something. costs a dollar and you make zero, that's. still unaffordable. If you're going to. school, you're probably not making. money. >> Zero. >> Yes. If you're going to school, you're. not making money. >> Um, no. Because I'm trying to build a. vehicle of passive income. Um, sorry. guys, I forgot about his 2500 followers. >> Just getting started. >> I don't mean to, >> but your anticipation of being able to. go make this work in 5 months with 2500. followers right now is not a logical.

thing. >> I mean, even even if that doesn't work. out, I still have skills that can that. can get me work. virtually anywhere right now. >> Okay, pick the country and we'll use. that for a conversation. What's the top. country we're choosing right now? >> Mexico. She wants to move to Mexico City before. the possibility they hate that moving to. Europe. >> You know, everyone in Mexico City is. dramatically protesting that. >> Protesting what? >> Every American moving there cuz it's. just like you. You're doing the nomad,

the the the the uh what's it called? I. don't remember. But you're doing the. make the money virtual and price out. everyone there. No, I don't. I think. people should live where no I don't. know. Not everyone should should have. live. >> I mean, if you can if they allow it, if. the country allows it, >> people would try or they can. Sure. But. that's that's not what I'm advocating. for either here. >> But you're doing and they're right now. It's very toxic there. They are. protesting every American moving there. It's very interesting compared to like. 25 years ago.

>> Okay. Sure. I mean, it's not my first. choice. She wants to she wants. >> We have to pick a place and you already. see the big flaw with it. >> Okay. I mean, [ __ ] we need to work. around it. At least we're Latin. Americans and we're willing to adapt and. appreciate the culture of Mexico and we. can live there. >> They do. But the thing is the big. argument is they're bringing in very. high incomes for the area right now cuz. Mexico is not a high. >> That's a problem. >> Oh, and you gentrification actually. leads to overall positive results for. pretty much everyone. >> It could. Yeah. But I I I recognize the. problem in like price gouging in the.

real estate market and how that affects. >> about price gouging. But for those who. aren't earning, for those who don't, >> for those who are on the lower income. scale in a community, when an area gets. better, prices go up and if they didn't. have ownership opportunities, they get. pushed out. That is the downside of. gentrification. Downside, >> there's a bad downside to. gentrification, but there's a lot of. upside that comes with it that. unfortunately people aren't willing to. talk about in a nuance conversation like. safety, better restaurants, better food, better everything. >> I don't want to be a part of like taking.

people out of their homes, especially. would be. Okay. I mean, there has to be some way. around it. Is there no way that I can. find property in Mexico that. >> So, you're going to buy property. >> Uh, >> you're going to colonize? I'm just using. the same logic they use. >> Colonize, man. >> Come on. This is the same they say. online. >> This is This is what This is what people. say. Um, damn. Okay. Yeah. I wasn't. thinking of it that that way, but I. don't know. I. >> You were born in New York. >> Uh, I was actually born in Florida. I.

lived I lived in New York for over 3. years. You were born in the United. States. >> Yeah. >> Yeah. I was born in the US. >> They will call you a colonizer. >> Uh unfortunately, um I mean, what would. they call me a colonizer in Spain, too? You think. >> if you buy a property? >> So, then what's the difference? I mean, hell, they're they're trying to they're. trying to sell homes in Italy. >> I'm not saying this. I'm pushing back. against what you guys are going to try. to do. >> Okay. Well, it's not going to stop us, man. So, uh this. >> Good. Then we'll plan for that. >> That's what we got to do. So, Mexico,

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

properly niching down. I didn't exactly. find precisely what my community was. Um, and that's why I'm so focused now in. automotive because I feel like I have. found a niche and a community that is. adopting me pretty quickly and I have a. lot of connections in the industry now. as well. Um, yeah. Yeah. I've been seeing a whole. lot of opportunity in it. So, I'm just. I'm just following that thread. >> Okie dokie.

Before we get to these finances real. quick. >> Yeah, >> Colton just typed to me, "You're hiding. purchases from your fiance. You come in. talking about how, okay, my fiance, she has some savings. That's how we can kind of do this." Even. though it's again just like a third of. your debt. You wouldn't even be able to. wipe out your debt before you guys do. the move. But you're hiding purchases. from her. Like actively hiding. >> That is a bad habit I had. >> Habit. >> Yeah. Yeah. Yeah. >> Would cheating be considered a bad. habit? >> Um, I mean, what was happening was.

mostly the purchases was that I was I. was eating out a lot. Um, it was mostly. like fast food, deli runs, that type of. thing. Um, and she we we were both very. focused on trying to budget more because. we have all these different goals with. like wanting to move, wanting to wanting. to travel. Um, we've shared those goals. with each other a lot and. I. let I don't know if you want to call it. like cravings or my inner child or.

whatever. Like. >> what the way is that? >> Bro, I'm just I'm trying to explain. what was going through my mind is that I. I I was eating out out a lot. I knew she. wouldn't approve of it. I was afraid of. how she would react and so I just didn't. tell her about it. Eventually, of. course, she found out. She was very, very upset. Not even because of how I. was spending the money, but because. >> what went down, >> but because what happened? What went. down? >> Uh, I was I went to sleep early one.

night. Um, because I had to I had to. work early the next morning. Um, and. prior to that, she had been asking me to. like, "Have you spent have you uh have. you gone out to eat or like have you. spent money on food this week?" And I. said, "No." and she woke me up at like. 3:00 am asking me again like did you. spend money on food this week? >> Why. private student loan debt can be. overwhelming? If you're seeking a more. affordable way forward, Why Refi is here.

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forward with confidence. >> This is not this is not indicative of. like a good relationship going forward, especially if we're about to abandon our. entire lives to move somewhere. How long. were you guys how long have you guys. been together? >> Uh we're coming up on 4 years. >> So why the did you lie? >> Like like what why why else do people. lie other than shame? >> And then how'd that conversation go when. she woke you up? >> Um she was pissed off. I of course was. tired and then like just feeling about. the whole situation. Um and.

>> and since then. >> since then I have been honest with her. whenever I do spend money especially on. food or anything that I know that would. just bother her about like dumb ways. Huh? >> You never once. >> never once like spent money and and. didn't told her. >> Well, is that about telling everything. like more the hide. >> hide? No, man. I'm not going to lie or. they're not going to Yeah. hide or lie. like Yeah. what I was doing. I would I I. would go get fast food, eat, eat in my. car, and throw away the trash and. receipt so she wouldn't find it. I don't.

go about things like that anymore. If. she asks me, I'll tell her. Sometimes. I'll tell her anyway, even she doesn't. ask me, because I know she wants to. know. And I've also just been making. better habits of not eating out, actually cooking more meals at home, especially lunch and breakfast, going to. work. Um, I still do sometimes. Um, you know, it's not perfect, but. what's more important is that I'm honest. with her because it's important to our. relationship as well as finances and.

health. >> Going out was almost 300 bucks. >> That's Yeah, man. It was bad at one. point. I I. >> That is bad. >> Yeah, it Yeah, it it's that's what I'm. saying. >> No, you said you got better. >> I've I've recently gotten better. >> all week before he came on the show. where his finances. >> in the last month because you you you. have my statements from August. It's. We're in the middle of September. We're. about Oh, come on. right before coming. on the show. That's always the most BS. excuse there possibly ever is. >> I mean, even then, I I was still I was. still packing lunches. I've just gotten.

better at it. I've even been. intermittent fasting lately, just that. way, I'm not like going out for. breakfast or like buying coffees. I. mean, I also have other large purchases. of $1,837. I don't know what that's. going to do, but that's such a. substantial part of your budget. Miscellaneous [ __ ] alone about $500. It could be video games. It could be who. knows. >> Um, there's definitely some [ __ ] in. there. Um, so yeah, there's a number of. things. >> Why? >> Why? I mean, these are lifestyle choices. and habits. What What are we cutting. back? >> Lifestyle choices to get overseas,

though. >> That is that is the the big picture. Um, yeah. I mean, if if we're going to do. that within that time frame, that means. cutting back on a lot of things. That. means even more budget. You don't think. there's any possible way? >> You have 22,000 hours of debt. How can. you? >> I I your job will your social media job. follow you there? >> It can. You don't have an answer on that? >> I No, I don't. But I don't think I need. one. I've been able to find work pretty. quickly doing what I do. >> Mexico. You won't be making American.

dollars in Mexico. I thought that's what. you were attempting to do is to keep. American income in Mexico. >> That's why I'm building my own brand, >> buddy. 2500 followers. I'm sorry. >> Okay. But that's that's still re really. early developmental stage. >> Exactly. But you're moving in 5 months. >> Okay. Well, it. >> What's your follower? How many months. has it been. >> since you started? >> It's been 6 months. >> I don't do I just had an itch in my. nose. >> 6 months. >> It's been 6 months. And the and the. engagement rate and follow rate has gone.

up since starting more so in the last. two to three months. >> Okay. So, let's call it 3 months then. >> Okay. >> 2500 divided by 3. Good. So 833 on. average you're 2500. >> Uh plus 833 plus 833 plus 833. Great. Oh. wait plus 833 plus 833. Good. You'll be. at 6,500. >> That's enough to at least qualify for. brand deals. That's that's enough to. gain brand deals are going to be like 25. bucks though. I don't think you know. I'm in this world. I'm in this world. I.

mean you're in it. Yeah. And I I respect. it and that's. >> and I'm also in a world where brand. deals pay higher because this is money. >> Of course. Yeah. >> And automotive is actually pretty good. for what it's worth, pretty good, but. not as good. And I still know. >> one, it's going to be based on view. counts more than followers. And we I. just saw your views. I mean, you're. we're looking at like a,000 or 2,000 per. reel. Those are very low quality views. because they're short. It's short form. content. >> I'm starting I'm right now I'm working. with just over 30,000 views. >> You're not going to get brand deals. You're going to be on an affiliate.

basis. >> That's also Yeah. I mean, there's very. >> No one's going to give you flat rates. You are going to be on a No, no one's. going to give you flat rate at those. numbers. You are going to be affiliate, meaning you get a commission on what you. sell. >> Do. or do not. >> There is no try. >> Of course you're going to try. I'm not. talking about what you're trying or not. trying. I'm talking about what's going. to work in 5 months. You're this is an. unrealistic plan by every means. >> I mean, I I have to consider various options. I.

mean, right right now, I'm even looking. getting a second job so that way it can. bring in more than five months. >> Okay. But I I need I if I can save more. money within that within those five. months so that way I can grow savings as. well as pay off the debt. [Music]. I I have to look at some type of option. You're looking at me like I'm crazy. >> Yes. Because listen, you can make a. little progress on this in 5 months, but. this does not this does not answer how.

the you're going to live there. I mean, I don't know. There there has to be. every business in 2012. >> This is kind of crazy. This is beyond. higher than I thought. Beyond higher. individual aiming for comfortable. lifestyle in Mexico City, including. entertainment, travel, uh, uh, decent. housing there. United States dollar. 60 to $85,000 a year.

Okay, that's. >> 5 to7,000 hours a month. That's if you. keep your current job. Well, you. actually Well, yeah, that's if you keep. your current job there. But you don't. know if you can. >> It doesn't matter because the skills I. have, there is demand for it. Every. business in 2025 needs marketing. If. you're not marketing on social media, you're going to be. >> This is very much uh service. consumerdriven economy. I'm not saying. Mexico doesn't have one, but America's. the top of the world when it comes to. that. We'll go into debt for anything.

Yeah. marketing, social media manager is. more prevalent here than I mean you got. South Korea and Japan. >> I mean come on we're talking a lower. income middle income. That's assuming. that I I have to get a job like that I. have to get like a you know 1099 working. for another another company in Mexico. >> Maybe have you looked at the visa work. permit processes? I mean before this I. was doing freelance. I. >> have you looked at the visa work permit. processes. You don't even know what you. can do. >> from Mexico. I have not. >> What the are you doing then? USD, the.

median wage there, by the way, on a. monthly basis is $14 to $1,500 a month. So, if you don't take your American job, good luck. >> Okay. I mean, Mexico was one option. >> You said that is your option. Your your. top option that she highly wants to do. >> This is what she wants to do right now. >> What's the second best option? >> Second best option would be. the UK. >> Oh, out of all European countries, why'. you have to pick the literal fastest. declining? Come on, dude. It's done. The UK is.

done. Pick another one. I'm not even. gonna allow that as an answer just. because it's easier to talk there. Okay, Spain. At least they're already done. They're not going down. Okay. Like, like. UK is in the collapse world. Spain. Yeah. Um, if you're making a higher. income, sure, you can go live there. If. you keep your higher income, you can. live a great life in Spain. >> It's not an overall great economic. situation in Spain in general. If you're. going to be going and just working in. the economy, though, >> like I said, >> really wish you picked one of the more. northern European countries. are. slightly like Poland or Germany.

>> I was supposed to live in the. Netherlands. >> There you go. Netherlands is fine. But. even still, I don't I don't think you. know your. >> your your options in terms of visa. processes and whatnot. >> I should look a whole lot more into. >> if you want to do a big international. move in 5 months. I would say yeah, you. probably should look a little bit more. >> Yeah. Um I look I'm moving a lot more. with our experience that we traveled a. lot into these countries. We spent over. a month in Europe last year. That's our.

perspective as far as where we want to. be, how we want to live. Do need to look a lot more into the. practical logistical stuff. >> Uh-huh. >> Uh-huh. >> Honestly, Bloody, this sounds like. you're just relying on your fiance to. me. She has the savings, you have the. debt, she's choosing where to go. It. sounds like you're just along for the. ride, and you're relying on her. I will. say that she's the one that's more. financially responsible. >> That's why she's a fan of the show and. she got you to apply, right? >> Um yeah. Yeah. Maybe that's why she's.

also not here, but also she's traveling. So, >> by the way, failure rate for those who. move to Spain, 7 73% come back. >> Just going to throw that out there. >> That's that's the rate of people that. move to Spain and come back to the US. Huh. Good to know. It's not impossible. >> Yep. Leading cause of failure for all. expats are often related to lack of. preparation. Well, you're doing this in. five months and not prepared in any way. whatsoever. Yes. >> And an inability to adapt to new. circumstances. Germany, Italy, France, Austria. >> Oh, cool. Yeah. Yeah. >> Yeah. Very cool. >> I might be the coolest guy you've ever.

met. >> I I I need I need to explore Eastern. Europe a bit more. She's in Germany. right now. >> Yeah. >> Okay, cool. Well, I guess that was a. good way to deflect everything I just. said. >> No, I I I had no idea that you actually. even like been to that side of the. world. >> Yes, I love walkability. Again, I. wouldn't go to start a career in life in. many places there. In many places, I. would. >> Would you give an example? >> Switzerland. >> Switzerland. >> Norway. >> Yeah. >> Poland.

>> Yeah. >> Yeah. Norway seems cool. >> But I'm set up in a way where I probably. could. That's not me jerking off. That's. I've set myself up. You're hoping that. your 2500 followers turns into. >> $5 affiliate deals in 5 months. >> $5 affiliate deals. I don't you are. dramatically overestimating. Ladies and. gentlemen of financial audit, this is. one of the most exciting moments in this. channel's history. You know, I've been. working on building all these. educational tools, our budgeting app, all this crazy stuff over this past year.

cuz that is where my passion is. We. finally did it and now we put it all. into one program called Dollar Central. You get the premium version of my. budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? If you are struggling or you want to.

learn more, or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. Hey, I don't Hey. Okay. Pause. Pause. Pause. Pause. >> Let's bring in a chair. Brandon, come. over here. Guess what? He's the head of.

brand partnerships at Hammer Media. He. negotiates just on a daily basis. We're. in the top 10 podcasts on all of. YouTube. >> Okay, this is great. >> We're in the top 10 podcast all the. internet. and he'll tell you how. difficult it can be. >> Okay. >> All right. Well, you guys know him. You'll love him. He's the translator. He's the degenerate. He's the brand. deals manager. He's the post show. sitter. He's the fat fat and fatter. Brandon. He's here. Okay. So, he. actually does this stuff on a daily. basis. Yeah. Real conversation on this.

Okay. 2500 out 2500 followers. He might. get up to 6,500 in 5 months on his. growth rate. brand deals, making a living off of. that. Thoughts? >> Uh, so we work with a ton of companies. Sure. Number number seven podcast on. YouTube. The rankings just came out. Now. we're officially on the podcast. >> Seven. We went from four to seven. We'll. go back up. >> They don't have the best episodes. >> Regardless, one of the biggest podcasts. truly in the country. >> Definitely on the platform. >> That's great. Um, there are companies.

that I talk to on a daily basis and we. are very analytical with the things that. we actually put in our media kit in. terms of past partnerships, numbers, data. We're very data driven. >> Yeah, >> look at me. I got glasses. >> Okay. >> Very data driven. Um, there are. companies that still will not touch us. just because they don't see the vision. in it. >> Okay. Sure. >> And the size is massive and we have all. the data and the numbers. So when you. talk about 2500 followers. >> Yeah. with a th00and to 2,000 reals of.

you. Yes, >> real. Would you say that's because of. your numbers or because of your niche. and audience base? >> Um, less on that. Um, >> to me, I mean, >> it's always the hope of a return on. investment from a brand deal. >> Of course. Yeah. Okay. Yeah, that's. exactly what it that's exactly what it's. about. Their goal is to. >> at the minimum break even. >> Okay. >> Of course, you can exceed their. expectations and make them a ton of. money. We have partners that we have. made a ton of money. >> Yeah. >> Um, when you're getting a,000 views per.

real, let's say that you even put. something small on there or even your. story, what's like an average story view. for you? >> Average sto uh what? Like. >> you post something on your Instagram. story. >> Story guy, >> social media guy. Come on. Story views. >> Yeah, my stories I'm getting like 50. views. >> Okay. >> Yeah. Still pretty low right now. >> Most companies are going to have you do. like a threetory click on your Instagram. story. They're going to have you do some. sort of Tik Tok integration, some sort. of YouTube integration. Your YouTube's. not big enough. I don't think your Tik. Tok's big enough.

>> I don't think he has them. >> I I actually haven't been focusing on. that yet. >> Those are the ones that make money, by. the way. Just going to throw that out. there. >> YouTube I mean, yeah, I I when I started. doing like any type of content creation, I started with YouTube. I like I said, I. did that for about a year. Um, and yeah, >> so he might get affiliates. The. affiliates that everyone can sign up. for. >> Yes. These aren't groundchanging, earthshattering affiliates. These are. just anybody can sign up for this and. you'd be lucky to get, you know, 5, 10, maybe 15 bucks out of an affiliate deal.

But if you're getting 50 views on your. story per average, >> I think he's on his way to make about. $50 to $100 a month. >> if you're lucky that that and that's. >> I think that's your income is $50 to. $100 a month. See, my problem is that I. did freelance videography for about five. years and my I was able to make income. by offering my services to local. businesses as well. >> Well, sure. Yeah, great. Good grind. That's good. But remember, it's going to. pay dramatically less in Mexico. >> Okay. Sure. So, then I need to have more.

clients as well as I need to keep on. expanding. >> Sure. I guess you can work 24 hours a. day, 7 days a 365 days a year. >> You got to hustle. >> to try to make up for it. Yes, but it's. still not going to equate to the same. amount, especially in a expensive city. like Mexico City. >> I don't know, man. I'm not taking this. discouragement right now. >> No, we're not here to discourage you. We're here in the real world because. you're about to blow up your life in 5. months. >> I will tell you something. There's a. creator that I know cuz I'm I'm very. much in this world. A creator with. 50,000 followers on Instagram,

>> which is not a lot in the creator world. Like, if that is your job and that is. your prime source of income, it's still. not a massive following. We almost have. a million on Instagram. We don't do. Instagram deals, but what have we been. offered? >> Uh, do you want me to disclose those. numbers? >> Uh, we can either cut it or not. You can. >> uh like when I sell something on your. Instagram or something on your TikTok, it's like. >> a lot of money. >> for like one post. >> That's juicy. >> For like one for like one post. And And. we've done it before. We've done it a. lot. Uh, but there's a there's a an.

influencer that I know that has 50,000. They were lucky enough that a company. was willing to take the gamble on them. for $2,500. >> And that's one time. >> That was one time. That's at 50,000. >> getting, you know, a couple hundred. thousand views on their reels. Um, but. but at two at 2500 followers and 50. views on a story, I mean, buddy, those. are. >> I feel like follower views is about. >> a billion trillion smackaroo.

>> by the math you said. So you will be at. >> I I can recognize that right now the. numbers are pretty low. It's going to. take some time. It's going to take a lot. of work. 5 months is not a lot of time. >> to your brand. to performance levels. >> $104 if it means if it means having to. live a whole lot more simple. >> It's not just about living simple. Mexico City isn't simple. Okay.

What What do you mean? Like in. >> We just pulled up the numbers of what it. takes to live there. >> Okay. Yeah. It's It's like similar to. what I'm how I'm living right now. >> I'm trying to make you not blow up your. entire life. >> Okay. >> This isn't about discouraging you. You. might be able to build this up. >> Yeah. >> But not in the way that you are. thinking, in the time frame you are. allowing yourself. So, I need to give. myself more time. >> as a starter and pay off your debt first. and have a fully funded emergency fund. before you even consider this. And even.

understand the visa and work permit. processes. >> That's that's definitely one thing I. really need to prioritize. >> Oh, yeah. In 5 months. Oh, actually, never mind. I got the answer. Hey, Brandon, good. Guess what? I got the. answer of how he's actually doing it. Okay, good. He borrows money from mom. and dad currently. >> Oh, and the in-laws currently. >> I did that one. Great. Great. Great. And. when did I borrow money from my in-laws? >> I don't. Is this what I forgot? >> No, no, no, no. I didn't borrow money. from them. When we initially, my parents helped me with uh with money.

when we are moving from New York as well. as when I bought a car. >> And now you're moving in even more. expensive move. >> It will be a pretty expensive move given. that it is international. >> Yes, that's what I'm saying. And you had. to borrow to move. in national. local. >> uh a a little bit. Yeah, I borrowed. $1,000. >> It's borrowing money. It's just showing. that you cannot do it yourself. >> Uh I mean this that's why I'm in this.

situation now that I I'm over $20,000 in. debt. I didn't a lot of money. >> Yeah. No one's combating that. I'm. saying you're trying to do this again, but more expensive in 5 months. But you. have less money than before. >> Okay. So, I need to make more money and. I might need to give myself more time. >> Dude, if we were on a two to three year. track, yes, I would say make more money. You're talking about doing this in a. like a quarter and a half. >> Okay. We can't have the conversation. about like if it if this would be like a. year, two years.

>> Of course, we could, but you said you're. doing it in five. >> That's you and your fiance are expecting. >> that would be ideal. That's when our. lease is ending. So when when that. happens, it's either that we resign and. we have to give give ourselves a whole. other year or, you know, this starts a. whole other conversation. >> Okay. All right, Brandon. Well, we we'll. send you this situation. Thank you for. your time. >> Absolutely, buddy. >> But let's get into these numbers. What. do you think your financial score is? 0. to 10. Zero being the worst, 10 being. the best. >> 1.8.

>> Okay. That's not how that works, but. that's okay. If you want. >> That's the score that you gave me. already, Caleb. >> Oh, the website. Well, it rounds up to. two. Okay. So, you're a two. >> Oh, okay. >> Maybe we'll see. If you want. >> It might be a one. >> If you want that score, take the. assessment for free at calebamemer.com. Figure out where you are in the world of. money, where you can do better, where. you're already doing great, where you. need to improve, all that good stuff. It. is free at calebmer.com. And make sure. you sign up for my favorite budgeting. app, Financial Audit, is powered by. DollarWise. All you got to do is sign up. for the free trial. And if you like it,

take the annual version to save a lot of. money. And I will send you my co my And. I will send you my. And I will send you what the. And I'll send you the budget and I'll. send you my budget friendly cookbook. signed by me, mailed directly to you. Check that out. It's fun. dollarwise.com. to learn more. By the way, I will say. this. If anyone's ever had dollar-wise. out there and you had issues, fair.

enough. We had outside contractors, they sucked. We fired them. I built an. internal team. And the day before I. filmed this episode, which is many weeks. before you see this, we launched 4.0 and. every single bug anyone has ever been. complained about has been completely. fixed. And the app is now top of the. market. Go check it out. It's very. exciting. >> No idea team, >> huh? I I don't know if you ever like. compared Dollar Wise to Rocket Money. I. use Rocket. >> Believe it or not, my business internal. team that I've spent hundreds of.

thousands of dollars to build out does. product market research. Okay, >> sounds great. Just try it out. I've been. using Rocket Money, so it's probably I. hope it's better. >> Yes. Much less cluttered, much easier to. use. Yes. Yes. Yes. >> Sounds great. Sounds great. >> Okay, big guy venture. What is going on? >> Uh like what what are we spending it on? >> What's going on with the card? I don't. know, buddy. I You tell me. I don't know. you. >> Okay. All right. The card is my current. highest balance. It's mainly been used. for travel. Um. >> why why are you traveling so much? Is. that your influencer [ __ ].

>> Um that's part of it. That's also. >> You're doing cars. >> Okay. My fiance and I love to travel. It's part of our lifesty. >> Um well I I think she can be a travel. influencer. >> Is she trying to be. >> she. >> then you. we've we've had conversations about her. being a travel vlogger. She's a great. >> conversations vlogging. It's 20 2018. 2017 YouTube. >> having a travel blog. She's a writer. She's a writer. >> Okay, we're going back to 2008. >> People subscribe to Substack.

>> Yes, people subscribe to Substack. Hey, maybe if she's lucky, she'll get $100 in. affiliates, too. >> That could be great. We can work as a. team. >> I'm sorry. Just It's just like where you. guys are trying to I want I would love. everyone that wants to be a creator to. be a creator. I cheer for it. You're. just going in such a optimistic. worldview way. That's unrealistic. and unintentional with what you're. trying to do. >> I mean, how else are we supposed to look. at it? Need to be at least a little bit. delusional to even go for the dream, right? >> No, you got to lock down, put realistic.

goals, and grind, grind, grind to get to. every goal along the way to get to the. ultimate goal. I think there's a. balance. You're just like, "Oh, that's. going to happen. >> You need to, you know, we. >> talked about bloggers.". >> Let's be honest, your bank saving. account is probably doing less than your. expired gym membership. The national. average savings rate is like 0.39% APY. That is basically your money taken in an. app. But with today's sponsor, Chime, you can earn 3.75% APY on a high yield. savings account that is over 9 times the.

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chime.com/caleb. just to try it out. So go to the link in. the description box or scan the QR code. on screen. Sign up in two minutes and. start earning that sweet 3.75% APY with. Chime's high yield savings account. today. Okay. So this is your everyday. travel card. Wonderful. >> Yeah, it's what we mainly be using. >> But you missed the payment. You were. behind. >> Minimum monthly payments $1,256. >> I can explain. We have a balance of. $7,87962.

with interest charging of $18667. Go ahead and explain it. >> So, yeah, the situation sucks. I was. looking into options to save money on. interest. I wanted to look at potential. see what loans qualify for. >> Okay, first of all, this has been a huge. investment for our for our knowledge, for our lifestyle. Oh my dude, I don't. have any student loan debt.

So instead, what I and even Yeah. Yeah. >> Oh, no, guys. He doesn't have a 4%. subsidized federal student loan with. lots of protections to get a return on. investment from his degree. Instead, he. has 30% credit card debt. >> Okay. What? All right. >> What are you bragging about? >> I'm I'm bragging about the fact that. like at at least I mean, I don't know. I. can go bankrupt and I I still wouldn't. be stuck with that debt. >> He was student loans. is so forgiving. >> federal. >> It would have been a lot more money.

People are people are are on average. >> I think what I would have suggested is. go to college for four years and borrow. whatever it takes to get whatever degree. you want or travel to anywhere you want. and put it all on credit cards. Do you. think those are the two options I would. have provided? I. >> Why are you Why are you conflating those. as the options? >> I'm not okay. It's because I'm saying. that it it was an investment on. knowledge. knowledge. >> What knowledge did you get? >> Well, >> the wheels go up this far into takeoff.

>> It's I mean a lot of people don't get. the experience of traveling the world. >> What's your knowledge? What did you gain. that you're able to apply for a higher. income. making definitely probably just about. the median in Miami? >> I think so. >> You have not applied that very well. >> Look, I think that the experience we've. got traveling. >> the experience. is very is very valuable. >> and yeah I I think it's. >> valuable in which way. >> and how. >> in terms of fun memories.

>> and how we want to live the rest of our. lives bro. >> and that not going to be here. >> I don't want to raise my kids in the. suburbs. >> then move to not the suburbs. you can be downtown Austin you can be. downtown Miami you can be New York you. can be. >> New York is the closest thing. >> it is Chicago's pretty good, too. San. Francisco, >> I love Chicago. Yeah, I spent some time. there, too. Love Chicago. >> San Francisco's walkable. Portland's. very walkable. Many parts of Seattle are.

walkable. >> I'm not. >> not saying we don't have it. I'm not. saying it's perfect. And I definitely. Yeah, >> I much prefer how communities are built. in Europe. I do agree. They're much more. human focused. >> Yeah. So, that that's the value is is. >> But you said you were getting education. on a lot of [ __ ] from all What are you. talking about in terms of dude, drop uh. your little person down in Google Maps. and you can tell somewhere is walkable. You don't need to be traveling. >> It's not the same as actually going. there and experiencing. >> It's not the same. But you can tell what. is walkable and what's culturing. yourself. >> No, but you culturing yourself. But.

you're saying you're you're getting all. this value, all this education. You were. trying to conflate it with borrowing for. student loans. But you learned someone. was walkable. Woo. And they spoke a. different language. Yippee. Great. But. you could have figured out where you. wanted to move relatively with some. decent research and then practice going. to one place. >> if that was the highest research place. that aligned with what you wanted to do. >> I don't know. I'm glad. >> you're excusing and coping with you. wanting to see the world with getting a. ton of value from it. You had fun. You. had good memories. I'm not discounting. that. But you're trying to conflate it.

with something so much more. You're. trying to justify and cope the out of. this. >> I Why'd you move from New York then? by. the way, if that's what you want, cuz. that's where you would want to be. >> Well, we wanted to spend some time. closer to family because we know we want. to we've known for some time now that we. out of the country. >> Uh from from New York. Yeah. I mean I. mean Yeah. But I I'm still seeing family. a whole lot more often now that I'm in. Florida rather than being in New York. And want we want to move further away.

>> Tells me Europe is far. >> Yeah. So that that was the point. That's. the point if you're going to listen to. me for a second is that we decide to. move to Florida for some time so we can. get some time with family before we. decide, hey, we're going to move to. another side of the world. We're not. going to have the same level of access. >> But why not back to New York then? >> I would. >> I'm moving to New York. >> That's great. I'm so excited for you. guys. Yeah, I heard about that. That's. awesome. >> Not for the taxes or finance. Let me. tell you, people always ask about that.

It's literally just the walkability. I. Yeah, I bet it'll be for the lifestyle, which is I think it's worth it. >> Yeah, when people value that. Some. people don't. >> Some people Yeah, but I It's. >> okay. It doesn't matter. Why not go back. there? Cuz at least you could do what. you're doing here. >> I Man, I would consider moving back to. New York. I felt I felt like if we. didn't leave New York, we were never. going to. I think that's what's going to. happen. You know the education they did, by the way, in order to figure out what. walkable city they wanted to move to. A.

34-day backpacking trip in Northern. Africa. >> Well, you're talking about when we went. to Morocco. >> Yes, that is in Northern Africa. >> Yeah. Well, yeah, we went to We were in. Morocco. We went to Paris. >> Considering moving to Morocco. >> I'm not considering moving to Morocco. >> Then why'd we go there? I thought this. was the entire point. This is what. you're trying to justify. It was a part. of you having fun and blowing money you. didn't have. >> And that's all it is. We wanted to. >> You learned that some cities can have. all their buildings be blue. Yippee. >> Okay. I mean, >> it's cool.

>> Okay. This could also be very good. experience if if we're if she wants to. be a travel blogger. This is, you know, investing into. >> How much did the Moroccan trip cost. >> in Morocco? I mean, you want the price for the whole. trip altogether or. >> how much was the trip? >> The whole trip it was it was around. 8,000. >> Good. So, with her travel vlogging, with. the commission she's likely going to get. similar to you, 8,000. Let's see here. Okay. She needs to get about 80. sponsorships. If she's averaging a.

couple a month, you know, we're talking like. three and a half years just to make that. up. And I'm sure in order to do the. blog, she's going to need to travel. quite a few more times in that time. period. >> Okay. Sure. This is also assuming very. small. performance numbers. >> I mean gosh, you guys are getting. married and I know people like you. travel. You probably needed like a dream. wedding destination, dream honeymoon, too. >> Um, we want to have a small wedding, but. we do want to have.

>> somewhere destination wedding. Yep. Yeah, you guessed it. Yeah, >> I sure did. >> Yeah. >> And where is that going to be? Do you. know? >> Um, probably Morocco or Portugal. Yeah. >> Are they going to be happy seeing her. ankles? >> Um, she'll be wearing a dress. Um, also, what? It would be in a private location. What? Have you been to Morocco? >> No, one of my employees is from there, though, so we love to joke about. Morocco. >> Oh, that's funny. It's a great place,

man. You should check it out. >> No, it's good. I actually really want to. go. >> I make fun of jokes of all cultures. Doesn't mean I hate the culture. I make. fun of Americans, too. We're. >> Don't think I'm racist against. Moroccans. I make fun of everyone. That's the fun of living in this world. >> Okay. Oh, great. And you just came back. from Colombia for a wedding. No [ __ ]. didn't. >> We were in Colombia earlier this year. for a wedding. Yeah. >> What the [ __ ] are we doing? >> Yeah. Her cousin was getting married. >> You have There's your cope for doing all. these things are insane.

All right. Capital Venture. Yes. Total fees. $29. We've been late plenty. of times this year so far on this. >> Yeah. So, I I was uh enlist over the. limit by $879. >> I was trying to enlist the help of a. credit consolidation agency. Pretty. sketchy. Yeah. It was kind of dumb. >> I agree. Why would you That was dumb. I. was, like I said, I was looking for. options um to save money on interest, trying to see where I can pull money.

from or what were my options as far as. like what I can qualify to borrow. Why. not make your payments while you're. still doing that? >> Uh, so that that's what was sketchy. about this whole. >> They wanted it to go to collections and. they would negotiate collections. >> Exactly. Yeah. >> I don't like it if your credit, but. >> I I didn't like it either. And that's so. that's why I stopped and pulled out the. money depending on what situation you're. in. You're just not in that situation. >> I I don't think so. >> Four credit cards. >> Yeah. Exactly. Yeah. So that that's why. I stopped doing that. I pulled out the. money that I was saving in their account.

and immediately put that to those cards. But it wasn't much. which was only. $1,700. and did that for. >> I'll put the normal monthly payment at. about $125 because obviously you have to. catch up with the $1,256. Oh yeah, that's crazy. $40 the late fees. So. you've had. >> okay three late fees this year so far. probably just about. >> It's insane just on that card alone. And. you're right. I mean I don't see any. spending on this cuz you were traveling. your dick off but it's well above the. credit limit now. So I wouldn't be able.

to see any spending on this. I haven't. used it in a while. >> You can't. >> I can't. Yeah, I haven't been able to. I. can't. >> Not that I. >> This is what we got. Uh once they got. together, they're just endlessly. traveling at least a dozen cities in a. few countries constantly. Going to. Puerto Rico a wedding cost $2,000. Dominican Republic for a week to see. family $2,000. Went to California for a. week, $2,000. Went. >> uh a cruise from Barcelona to Italy and. uh what is it? A visa. >> A visa, $6,000.

going to Chicago. 34-day trip across. northern Africa and Europe. Croatia, Rome, Florence, Milan, Barcelona, Morocco, Portugal, London, Paris, $8,500. Went to the Eiffel Tower. Went to the. proposal. Spending all their money in. the world. The dream destination back to. Morocco. Oh my goodness. And then we're going to go on a nice. little honeymoon. I want you to travel. I want you to do all these things. I.

want everyone to do these things. Don't. think I'm evil, saying I'm not wanting. you to do it. I want you to do it in a. financially healthy place so you don't. your entire life. >> Uh yeah, it's it's in a pretty bad. situation right now. And that's a big. part of the reason. >> I mean, your credit score is 513. >> It's pretty bad. It's the lowest I've. had. >> Pretty bad. That's insane. That's one of. the that's that's like on the bad bad. scale. >> It really dropped that low within the. last year or two. >> Dick. Okay. >> Yes. Because you're over max out. >> Yeah. I'll let you use the Fizz card.

It's a credit debit. It's a debit card. that builds credit. I'll see if they. actually even let you have it. I'm sure. they will, but what the I also get um if. you ever have to switch careers when you. move somewhere, I'll get you a course. career certification. A lot of people of. our audience and our guests have done it. and they've boosted their resumes and. their income a lot. So, what is it? Get. those. It's a just it's a certification. in whatever field you want. A lot of. them focus on trades or tech for course. careers, but it's free for you because. you're a guest on the show. Thanks to. >> All right. Well, I I have a few. certifications, but it' be great to get. more. >> Yeah.

>> Discover it. Tell me what's going on. >> So, the discover card, what was I using? I mean, um. I I will say one thing. I had a bit of a. failing business. [Music]. >> Um so, I was. >> tell about it. So I I was. >> because this will be very important to. know as you're talking about scaling.

this new business. >> Yeah. Yeah. So I started reselling. sneakers um back right before co um and. I was getting some profit there. >> Oh yeah. >> Yeah. Um and of course I was also just. kind of buying some sneakers for my own. collection like like the ones I'm. wearing today. >> Oh good. >> Uh yeah. >> they look like. >> that's No, they don't. You just don't. have tastes. You drive a Tesla anyway. Um, yeah. >> What does that even mean? >> Uh, it means that you're a normie.

>> It's a car you could never afford. >> I wouldn't want that car. >> But you could never afford it. >> I'm sure I could eventually afford it. Not today. Not tomorrow. >> Not the track you're going on, big guy. >> All right, man. I'm 26. I got a whole. lot. >> times four. >> Got a whole lot of life ahead of me and. a lot of abilities to learn and adapt. and skills that I'm already. >> learning like you did going to Morocco. Uh. uh yeah, man. I picked up a little bit. of Arabic. Great. Now you can do customer service.

I don't know. Like what what do you. want? Uh. >> what am I supposed to do? >> No, but anyway, more so I I was. reselling sneakers. I decided I also. wanted to start a clothing brand like. every Gen Z person decides to do. Um, so. I, you know, I took my graphic design. skills, build it up a little bit more. and, you know, invested in some. inventory and a website. >> and and popups. So was in New York City,

so I was popping up in various parts of. the city selling clothes and stuff. >> Definitely not a competitive clothes. market at all in New York. >> Uh, yeah. No, I mean, people buy, but. people also sell. So yeah. >> Did you What? What was the failing. business? You you brought up this card. failing business. Are you you went into. debt for the business? >> I went into debt for the business. >> There it is. Okay. So, you never made an. actual money net. >> Uh, no. No. Or or at least. >> How long were you trying to do this? Just like he's trying to do his current. thing. >> That that wasn't long. Maybe 6 to 8.

months. >> How much debt did you go into for 6 to 8. months of this? >> I mean, just that was at least $2,000. >> Oh, dude. I just Why did you go into debt for it. instead of try to close instead of cash. flow it? >> That's a good question. Um, it was a. matter of me investing into. a product I had to have made overseas. Um, because it was actually cheaper to. do that rather than having it made in.

New York for obvious reasons. Um, I was. mainly making products that were just. made to order. So, I didn't have to. invest into any inventory. I was doing. that for a while. Um, and I got a couple. sales, but I didn't like what I was. doing. >> Have you ever taken an entrepreneur. class? >> I actually did study some. entrepreneurship. Um, when I was in. college, >> I knew he took one of the B Oh, in. college. Okay. >> Yeah, in college. No, no, I didn't buy a. course entrepreneurship. >> Okay. Cuz most of them are [ __ ] We. have educational products, but at least. they're top rated. >> I don't I don't trust buying courses.

I've almost. >> There are some good ones out there. It's. just like 95% suck. >> Yeah. No, a lot of them suck. So, I just. kind of avoid them. Um, and kind of. mostly just opt for, you know, YouTube. University. Um, and try to keep up with. >> Still lots of [ __ ] to sort through. >> Oh, of course. Yeah, definitely. Still a. lot. Um, but. >> do you still buy sneakers and do all. this? >> I haven't. No, I haven't done that in a. while. >> Okay. Colton's telling me he still buys. sneakers. >> I mean, well, I mean, the last pair of. sneakers I bought was over a year ago.

>> Okay. >> I Yeah, I spent like I spent 400 bucks. on them. There were Jordans from me and. her matching pairs. Uh, yeah, that was over a year ago. >> How romantic. Okay. $5,863.60. Yeah. And60 on the Discover it card. $96. of interest ac minimum payment. $118. 23. years to pay this off. By the way, if. you do minimum payments only without. purchasing. But guess what? Oh, we. purchase. Oh, baby. We purchase. $804 a.

purchase. said, "Why the are we. purchasing on a card when we have other. cards maxed out and it takes your entire. lifetime so far essentially to pay it. off?". >> I mean, I definitely avoid using that. card whenever I can, >> which is why he spent $80 on it. Uh-huh. >> Um, yeah. I mean, I must have And. >> what's your avoid? Because the other one. was incapable to spend on cuz you pushed. it well beyond max. So, you had to spend. it on this. Is that what avoiding is it? It's that I use my debit card to pay for. things now because I can't I can't use. my credit cards. And if I run out of.

money, I and I need things like gas for. my car. >> Okay. Payroll is $3,44 that came in last. month. How much did you spend? This. includes some includes some interest. going up because that adds to the credit. card balances. But how much went out? We. know inflow. How much was outflow. >> in August? I spent over $2,200. >> In July, I spent over. >> Okay. full full outflow in the month. that we're looking at was $4,436. >> That had to have been in June or July, >> dude. Whatever month we're looking at,

big guy. >> Yeah. >> Uh this credit card statement is showing. um July through August. It's half July, half August. >> Okay. Yeah. Yeah. Okay. >> Yeah. Okay. Wasn't June. >> Okay. Yeah. July. July. Yeah. I I spent. some money. >> July and August. >> July and August. >> Spent some money. What was I spent some. money? I spent some money uh. >> on what? Delaying the thing you want to. do in 5 months or 6 months from then. >> What did I spend money on in that time?

>> What did you spend money on in that. time? >> Um. >> I mean, >> let's find out. You got some gas, you. got some parking, you got some parking, and then you spent $31.80 at uh. Graphicasana. >> Gra what? >> Graphicasana. >> I. >> graphicasana. Graphics. >> That's travel entertainment business of. some kind. >> Graphicana. >> $31.80. >> Be honest. I don't remember.

>> You got five. You got four purchases on. this card. Gas, two parking, and then. this. And you don't know what this is. after four purchases. >> I can't. >> $31.80. >> How much? >> $3081. $31.80. >> $3081. What? Uh, what day? >> The third of last month. >> The third of last month. $30. >> $31.80. >> Mhm. >> Oh yeah. >> Had to have been something. >> Guys, by the way, we've had.

approximately four late fees on this. card this year so far. >> This is still the Venture card. >> Discover it. >> Discover it. I've had that many late. fees on that card. >> Oh, you sure have, big guy. Oh, you sure. have. >> Yeah. >> I did not expect that for that card. >> Oh, >> I knew for the Venture. >> Oh, sure. >> And the and the other Capital One card, but not that one. >> Oh, good. There's more coming. Wonderful. >> Um, you sure did. >> I can't recall exactly what that was. I. know that in in August. And really just. in general, we've been driving a lot.

back and forth to Tampa. That's where my. parents live. >> Um, and when we do that, we spend a lot. of money on gas. We might buy a gift. So, I can't recall exactly what that. was, but it could have had something to. do with that. What ethnicity are you? Cuz I thought you you you you made a I. thought you said you were like Arabic. earlier, but then you said you're. >> No, I'm not. No, people mistake mistake. me for being Arabic. I'm I'm Hispanic. My parents are Dominican. >> Oh, okay. 20% interest rate on this.

thing, buddy. Almost $700 in interest. this year so far on this card alone. >> Was it on the last card? On the last. card, it was. >> it was. >> this year alone,00. So now we're up to $2,000 this year so. far on interest this year. So far, >> this is why I was looking into options. to save money on interest. >> But it's not about that because you. would have it if you consolidated. If. you consolidated, big guy, not the debt. for like forgiveness, if you did a. consolidation loan, given access to more.

money to spend on these cards without. changing your behavior first, you would. have racked it up again. >> Well, that's why I'm trying to change my. behavior now. >> I know. I'm just saying I'm glad you. didn't cuz you would have it. >> Yeah, I'm trying. >> Changing your behavior now. We'll see. I. mean, a week before coming on the show. doesn't really count to me, but yes. Yes. Okay. Well, with your fiance even, she's. the one with money. What's your guys'. relationship with money with each other? We already know what you like that. hitting thing, but beyond that, what is. this relationship looking like. financially? Um, I mean,

I'm not sure how to explain it aside. from I've I've really been the one that. would do a lot more. spending between like wanting to take. her out, but also spending money on. myself. Um, where she's been a whole lot better. about budgeting, saving. Um, >> okay. Yeah,

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land your first job with starting from. scratch. Click the link below to sign up. for one of their free courses today. >> Um, that I need to change my habits that. I I I need to I need to. >> What habits? What has she gotten pissed. about? The other thing was that when I. got my current job, uh, it's pretty far. from where we live in Miami, so I needed. to get a car. Um, and the dealership was. offering me a pretty good deal on a car. you worked for. >> Yeah, >> you got a good deal. Oh, [ __ ]. >> Based on. >> You got sold by the sales.

>> Um, yeah. Bas based on looking at they. were giving me a tradein car. >> You damn marketed yourself. All right, keep going. Tell me about it. >> It was still a bad idea because I was. giving myself a car payment. I I was. desperate. I wanted to get a car. I had. been taking the bus for a month at that. point, taking Ubers. >> You can do another month. >> uh. >> and save up. I'm walkable city guy. You're supposed to love public trans. >> I got impatient. Yeah, but the public. transit in Miami is [ __ ]. >> Yeah, but they got things that other. cities don't have still.

>> Sure. Um I was getting fed up with it. I. was already looking into options for. buying a car and this seemed like a. better option. Um, so my parents and her helped me put. together the down payment on the car. >> What does that mean? >> It means that I didn't have enough money. for to put the down payment on the car. myself. >> They came together and pulled money. together. >> They they pulled money for me to get the. down payment on the car. We put 3,000.

down on the car. Um, and I was handling the payments, the. insurance, the gas in the car. I was. paying it for a couple months, but it. was a lot of money. Um, like the car. payment was about 350. Insurance was. like another over 200. Car wasn't great. on gas. It was an SUV. So, I was paying. well over like $700 a month on this car. [ __ ] And um, and she I mean, she. she didn't like the idea of getting that. car in the first place. Um,

>> did you. >> I I. >> She's the one that at least knows what. she's doing. >> Yeah. I I I wanted to get a car. I was. convincing her that it didn't look like. there were many other cars at this. quality. Like at this. >> quality? Why the you care about quality, dude? You're just trying to get. >> No, I'm talking about like the mileage. on it. There was going to be like a. reliable car that it wasn't going to. cost. >> How much was it? >> Uh what the miles or the How much was. the car? The car was 12,500. >> It's not the worst. So why was she so.

vehemently against it? >> Because that's about where I would have. advocated for. I would have tried to get. closer to about 10. Yeah. But. >> it wasn't an outrageous amount of money. >> Well, there was the fact that you should. have. >> It was more than what I could afford. >> It was more than you could afford, which. is why I should have been doing public. transportation for another month, saved. up some money, maybe another two months, saved up some money, and put a chunky. down payment down on it about 20%. >> The problem, too, was that I still had a. car payment and the insurance was high. on it because it was a luxury car. Um, I. didn't necessarily want to buy a luxury. car, but it was more expensive to buy a.

Japanese car. Um, a bit. I mean, it. it wasn't like one of the worst fights, >> but it was um it was difficult to Yeah. come to a compromise about it. And even. after buying the car, she was happy that. we got it, but she was still unhappy. about the financial situation behind it. That I wasn't able to pay for it. upfront. I wasn't able to pay. >> Is Is she not embarrassed on behalf of. like Well, I guess herself to her.

parents. Her parents. Come on. You're. going to be their son-in-law. >> Yeah. >> Look what they had to do. >> Uh well, it wasn't her parents. It was. my parents that to help pay. >> But they've stepped in, right? >> They um they haven't they haven't not. with money. Um, they have helped us in. the sense that when we first moved to. Miami, we were living with them for a. few months before we' found our place. So, we uh, so yeah, the four of us were. living. >> You're not embarrassed to your parents. >> um, >> that they had to work with their future. step.

>> Yeah. No, I I am I am embarrassed about. that. didn't want I initially didn't. want to move into them but move in move. in with them but it was we we decided we. were going to live with them for a few. months save up money and get our own. place and we were able to do that that's. that was a win. >> yeah it's a win. >> yeah um. >> were you guys in a position where you. should have yet cuz it's okay to be home. for a second where you're getting. yourself on your feet it's better to set. yourself up for success as long as. you're not being enabled I'm only. against it when people are enabled. >> sure I mean we haven't fell back on rent. at any point we've been able to handle.

the housing situation which is fine as. far as bills and utilities. Um I I. actually do cover some of that. Um we. split rent in half and I typically will. pay for internet and your apartment and. electric. We share uh like a decent size. studio apartment. It's about 700 ft. >> Yeah. >> Yeah. So studio apartment we pay 1,800 a. month. Um it's a good. >> And if you just got engaged here, by the. way, that probably means you got a ring. >> Uh I did get a ring. Um, it's it's a.

funny situation with the ring. So, the. first. >> hilarious. >> I I got I got her a ring um for the. engagement and it was what I could. afford at the time. It was like just. $300, maybe 350. It wasn't like a crazy. ring. I got her something different that. she would appreciate. Just got her like. a gold band. Um, and I wanted to get her. an emerald because she's Colombian and. that's where emeralds are from. Um, okay. >> And she wanted something different. Um, but I knew I eventually wanted to.

upgrade her ring. >> It's like an iPhone. Okay. >> Uh, I should tell her that. Uh, um, her. >> How much is that going to cost? >> Uh, what? The new ring? >> Yeah, >> the new ring is valued. close to 8,000. >> Oh, me, dude. >> No, but look, it's it's not it's in the. family already. It belongs to the. grandmother. Her grandmother has the. ring. She's had it for a long time. >> Is she alive?

>> She's alive. >> Are we waiting for her to not be? >> No. We're going to give her money in. parts. >> Is it her wedding ring? >> Um, no. Her grandmother is not married. anymore. And this is not for. >> Was it her wedding? No. >> No. No. I don't think so. She would have. told me. I think No, >> she's So, she's down for this. >> She's down for this. Uh, >> how much are you going to pay? I So. that's just charging you. But. >> so I mean she she's not she doesn't want. to pay me the full price. She wants some. money up front because she's also going.

on a trip. Um. >> to heaven or hell? >> Uh no, she she's she's doing great, man. >> I'm kidding. >> Uh. um no, I I want to pay her $800 upfront. by the end of this month. Um and. >> how are you vetting that into where you. spend more than you make? That doesn't. make any sense. But you're behind on two. credit card payments. One that we're. about to talk about. >> Well, in the last. >> How do you do that? >> In the last month, I spent. >> up with this. I have until mid last.

month. >> These statements go through mid last. month, Dick. >> Well, well, Dick, I've been doing my own. budgeting, too. And I have. >> I don't trust your budget. You're not a. reliable source. Look at the financial. situation you got yourself, and that. means nothing. >> Okay. All right. Sure. Yeah. >> We literally have your documents, and we. put it into a spreadsheet, and we got. all the numbers. spent hours on it. >> I don't care what your budgeting has. done. >> Okay. All right. >> Who knows what you've linked and not. linked. >> Okay. Capital One. So, we got to get. $800 by the end of this month. How much.

do you owe after that? Cuz you said. down. >> Yeah. So, after that, um I mean, she. didn't give me an exact number. I think. she was talking about somewhere around. 3,000. >> Yeah. After or with the eight. >> Uh no, with the total. >> Yeah. >> Yeah. Um it was probably less. She. wanted to, she was like really pushing. that like this is a gift. She wants some. money for it because it's so valuable. She's had it for such a long time and I. want to respect that and um and yeah, give her some money for it if it means.

like paying her a little bit of money. monthtomonth helping her live the way. she wants to. >> Okay. All right. Capital One $5,8179. Shocker. Completely behind. >> Yeah. So that that. >> and over the limit by $817.79. That one we uh used in the process of. moving. >> When when did you move? >> From New York to Miami. >> Yeah. When was the Yes. I asked where I. said. >> just over a year ago. >> Okay. So why the is it behind just over.

a year later? >> Uh because it was already pretty high. and I. >> No. Why is it behind? Why aren't you. making your minimums? Your minimums are. probably 125ish. >> Oh. Oh, it's behind because like I said, the whole credit consolidation thing, they they were trying to work with. Capital One for. >> You didn't do that with the Discover. Uh, no. I was still paying the discover. >> So, >> I was late a couple times, but I was. still paying. >> Right now, it's,044. It's probably a. normal 125 minimum payment. That's what. we'll calculate into the budget, but we. got to catch up obviously, and that's.

more important than your grandma's going. to have the ring, so you don't have to. do that this month because you already. proposed and everything. 21 years to pay. this off. Minimum monthly payments only. without any purchases. Good luck with. that not any purchases thing. This is at. a 30% interest rate of death. We're. talking about a four missed payments. this year so far. Four late payments. In. fact, these missed payments, that's. probably what's you've had missed missed. m miss m miss m miss m miss m miss m. miss m miss m miss m miss m miss pay. payments and that's what's hitting your. credit and. >> that was part of the limit credit. consolidation situation [ __ ] and then.

about $1,000 in interest this year so. far. So what are we at? 3,000. No, no. Yeah, 3,000 this year so far in interest. gone. It's an entire month's income for. you. You've lost a month's income just. on these three credit cards alone this. year. >> Yeah. and you want to move to another. country. You want to make a living off. $100 a month in affiliate marketing. >> Uh, okay. >> Trying to make way more than that in. affiliate marketing. >> I know you want to. Want to isn't. actually what happens though. And I'm. just talking real world cuz it would be. a disservice to be like, "Yes, I hope.

you do, too. Go ahead." It's like I'm. realistic about your numbers. >> Yeah. No. Yeah, for sure. >> I hope you do well. I hope you blow up. Uh, car market's not like the biggest. market in the world. Some of the top. creators have like a million followers. So, it's like it's still you can do well. there, but it's also very saturated. already. The car car the car. You would. have to bring something that really. shakes it up cuz I mean I I talk about. this story here and there. This is not. to jerk myself off. I want to be very. clear. I'm just I'm applying my. situation to you. The thing is. >> no big finance creators were just all of.

a sudden blowing up and starting new. things cuz the finance industry was. pretty set. Dave Ramsey doing some phone. calls, Graham Stefan, Andre J, you know, other people like that doing talking to. the camera. I'm sure you did. >> That was the industry. People weren't. breaking in. No, >> we h I you know, had this entire thing. that came in and it was very different. and it put a little. >> in the industry and you know, we we were. able to be one of the first channels to. really break into the industry in a long. time. It's the same thing with cars. The.

car market industry is very saturated, very solidified. you will need something. completely different that has not been. done before to really break in unless. people just really ultra vibe with you. and the algorithm just blesses you. But. that is a rarity. Um I didn't see. anything on there that's like blowing my. mind. Wow. Wow. This hasn't been done. before. >> Um no, I mean it's it's niche in the. sense that it's the classic car market. that's a bit more niche than just. >> which is getting you an even smaller. market base. >> That is Yeah. Okay. Yes. >> That's not an insult. That's a reality.

>> No. Yeah. It it is it is a small market. Um it is it is a niche, but it I don't. know there's it's still a pretty big. community. There are a lot of other. creators that are specifically more so. and classic cars that have only been. doing it so long. >> So I still don't understand your plan. to break out. >> Right now I've been focusing on what's. available in South Florida. There's a. whole niche community on that. But.

>> if you're if you're moving. >> Yeah. >> then how are we getting it? >> So, >> how's this how's the South Florida one. going to make sense when you're in. Mexico? >> That that part doesn't make sense. But. what does make sense that I ultimately. want to do is find homes, second homes. for these classic cars. Give them second. life. You know, cars that have been on. the road for 50, 40, 30 years. Seller. So that's the business, not the. influencing, not brand deals, >> but that's part of it because you have.

to drive traffic for any business, right? So. >> you do, but that's different than. influencer cuz we're talking that's. marketing. That's not being an. influencer. That's marketing. Sure, you. can mix both, but what you're talking. about is just strictly marketing for a. business you're trying to have. Also, if. you're building these businesses, if if. this is the business, it's about. building up a local group, connections, whatnot, but it sounds like you're going. to be everywhere. It sounds like you. don't even know where you want to go. I. mean, I feel like this is something that. I can take almost anywhere. One, with my.

skills of being able to market it, with. my skills in just videography, photography, what have you, especially. in the automotive space, and also that. there are old cars all over the planet, whether they're in Mexico City or in. >> Barcelona, connections being built up, too. >> Uh, yeah. I mean, but there's already. online marketplaces where people sell. these. So, I can find owners in. different parts of the world anyway. That's the whole point is like if I can. find owners, >> I want to find a way for you to break. out in your niche. I feel like there's. not a strategy here. What's your Oh, I.

have old cars. Okay, good. What's the. breakout strategy in Denise? Again, I. gave you my example. >> I think people who are already. interested. >> Does he have money to even do that? >> Um, well, no, cuz I'm not the one who's. buying on the I would be a part of. selling, right? Because I would be meeting with. the people who already own these cars. So one, you have to. >> using my platform in order to find. buyers. >> So you have to market to the people that. want to sell their car first and then. you have to market to the people that. want to buy the car of the person you. marketed to sell the car. So you have to.

market to two different. >> That's where the necessity of influence. is. >> Okay. >> And that's also where it's different. because I think. >> but you're in a localized group, right? So right now. >> right now Yeah. Right now I'm in a. localized group. Yes. >> Okay. >> Yeah. So. >> and what's the metrics of the 2500. people? Are they all in Miami? >> Uh, so that's the funny thing is that. not all of them are. A lot of them are. in Europe and Latin America. >> Europe and Latin America already. >> H how many what's the percentage in. Miami?

>> The percentage I I can't give you an. exact percentage, >> dude. >> But. that'll be some data I'd have to look. at. >> You don't have this. I thought you said. you were into your data. You know your. data. You know your numbers. You know. your people. You know your growth rate. But if it's a if it's if it's all about. making money in the local area, this. doesn't make sense. >> So far, I've been just focused on. developing the community, you know, building a following, finding people who. are passionate about this both locally. and online. That's what I've been. focused on is how do I build this. community? How do I engage with them.

further? Because this is my most recent. attempt. I would argue my first attempt. at really being any type of influencer. Sure, I did YouTube when I was in high. school. We already talked about you. >> Well, college college just happened for. you. >> Okay. >> So, we have a freedom card. >> Yeah. >> $2,716.31. Minimum monthly payment $91. You're. purchasing $179.79. Why are you purchasing on a card that. you're not paying off that interest? Let's see. $64.39.

of interest acred. >> I I've been this been the card that I've. been reaching for in the event that I. don't have money in my bank. I have. money in your checking account. We saw. your [ __ ] spending. It was hundreds. of dollars. >> Um, there's been some spending on. [ __ ] and sometimes I have there are. needs like I've had to uh pay for. maintenance on my current car, but it's. basically maxed out. It takes 11 years. to pay off if you don't even purchase. and you make your minimums only. And we. know you like to purchase. >> Um, I've been spending here.

>> This is Chick-fil-A cafe. Cafe. I said that it was a bad habit. >> McDonald's cafe Chickfil-A CSCSW. Cafe CSW. Okay. Laundry is okay. The. CFCSW. >> Uh yeah. Yeah. >> You don't have a laundry machine. >> Uh no. Well, it's in my building, so. it's. >> okay. That's okay. >> Yeah. >> Going in getting some bull. B2 Cafe special treats. Going in and.

getting some [ __ ] I've I've had the. habit bad habit of of getting some. [ __ ] and eating out. >> Yeah. No, you have a bad habit, but your. goal is cutting back. You're not even. You don't even know where you want to. go. This makes no sense, dude. I mean, Bird Amish Foods. rides, guys. It's Las Vegas. >> Uh, I got $20. I I had gotten the money. back on that. That was like a course I. was considering. I was like, "Ah, no, [ __ ] that." And I got I got the money. back on that.

>> Yeah. Yeah, some of those things also. >> You've had a late fee this year, >> huh? >> You've had a late lay fee this year. >> Uh, on that card? I mean, I've had a. late fees on a few of my cards. >> By the way, wasn't this the bad habit. that the fiance was upset about and. you're like, uhoh, I'm not going to do. that much anymore. Or at least I'm going. to communicate it. So, she knows about. every single one of those purchases. >> She knows she knows about those. That. was those are last months. She knows. about that. >> $500 in interest. So, where were we at? Like we're at like $3500 of interest. this year so far. So, a single more than. a whole month of your work, all the work. you did last month, every single hour.

you put in, all the hours you didn't. want to wake up, all the hours you were. tired of work, all those hours. >> gone. It was just to pay interest on. things you've already purchased. >> This wasn't future purchases. >> This is why I was looking for, you know, ways to save money on the interest. And. then I ended up in the whole, you know, credit consolidation. [ __ ] Uh Yeah. Yeah, it's a. situation that uh I I need to handle. between budgeting and uh and maybe.

giving ourselves more time. where possible for this goal. >> Yeah. >> Or goals. Um but yeah, that card I I had been. reaching for for that one especially. because I had to uh you know invest in. maintenance for the current car after. selling the old one. >> What old one did you sell? I I sold the. car that u that she was. >> the one that she didn't like. >> That she didn't like. I sold it.

>> What is your current car? >> I I drive a 2001 Camry. I I bought it. used on marketplace for like $3,000. after. >> Oh. Yeah. I mean, we're getting worth. like 2160 20 216. Well, what made you. sell the other car? >> Well, for one, it had I I it ended up. just being too much between payments and. insurance because it was a luxury car. It was an SUV, so wasn't great on gas. >> Wait, what was the purchase price on. that car? What did you even get it for? It was It was 12,000 12,500. >> That's not that bad. Usually what I. would advocate for for like a used car.

>> It wasn't insanely high, but after how. much money I had to put towards the debt. and. >> what that this debt, the rest of the. debt? >> This debt. Yeah. Because I It didn't get. like this overnight. It was already. pretty bad before I even got that car. >> Okay. So, yeah. So, so I I mean I was. paying like 350 on the payment, over 200. insurance after gas and everything. Like. talking about like $700 a month. So, um.

that and she Yeah, she she even though. it was a nice car and it wasn't the. worst deal on a new car. Um. she felt like this wasn't the right time. to be investing into a car like this. >> It's not investing into a car. I mean a. used car. Like how much are you going to. have to put into this car to keep it. going? is the thing because like I'm. like yeah like 8 8 to 10,000 hour car. >> approved by multiple mechanics. It gets. you to the place where you can drive it. for a few years while you're getting out. of the rest of your debt. I'm not saying. get a $20,000 car,

>> but I also don't want you to get a. $3,000 car clocker that you in order to. just get to your job requires you to put. in two three four $5,000. That's when. you don't have it. >> No, no, no, no. Um. >> do you know how long have you had this. car? >> I've had it Let's see. I got it in. April. >> Okay. >> So it's been about four months. Not. long. Not long. Um, but I did get it. inspected. Um, >> $95 in the savings account. >> Okay. Or this checking account, >> but they're used as their savings. account. >> I I mainly use that account to pay the. credit cards and I'll put money aside in.

there. Typically, not gone from $43 to. 95. >> Yeah. >> Uh, Pixial. Singapore card. >> I don't know what that is. Sing. Singapore. What? >> Uh, I don't know. It looks like maybe a. transaction fee. Okay. And then this. checking account. This looks like the. spending checking account. $6946. >> Yeah. >> Went and got some [ __ ]. Hummingbirds. Spring Hill Rural King. >> I think those are just the farmers. market. >> Do. Well, why' you go you farmers markets.

more expensive than you can afford? >> We do. We go. That's where we do our. grocery shopping. Support. Yeah, but. dude, support your future goal. I mean, you can support everything you want, but. you kind of have to focus when you have. a limited income source on what you want. to support. I want to pay off debt. I. want to get a fully fun. I want you to. get to where you want to move to. >> You can do that or you can go and spend. more on everything you want to do. And. if you choose that, that's fine. I'll. support that as well. But choose what. you want to do. You can't do it all. >> No, >> you you can't do it all mathematically.

Farmers market. Farmers market. Going in. get some [ __ ] Hulu. Spotify. H. Peacock. Oh, and he overdrafted to get. Peacock. >> No, no, no, no, no, no. No, that that. that happened at the same time as my. insurance payment because my my. insurance on my car was. >> guess what? Insurance made an overdraft. >> I got the overdraft fee back, by the. way. >> Insurance made an overdraft and then. Peacock made a second overdraft. >> I made I got both of those back. >> Great. Which yes, you can do when you. put in the right money, but it's. indicative of your behavior and. spending. Why should we be having. Peacock when we can't pay our debt when.

we're in the edge of being back and. forth with cancelling subscriptions, >> but you have it right now, dude. And. it's what made you overdraft. Apple. bill. McDonald's is squared. Going in and getting into some [ __ ]. Who gives a crap? >> That's That's TP. >> That's toilet paper. >> Toilet paper. $100 of toilet paper. >> Uh, it lasts for a while. >> Better. >> Yeah, >> cuz TP fund is like a $100 a person. Okay. Which is anything else you need to. survive outside of food and all the rest. of the stuff we do. Cafe,

spicy, nice pepper. Fruitful place. >> That's still farmers market. Yeah. Yeah, it's still. >> This is so stupid. Julian's Julian's. booby booby. I don't know. Going against. some [ __ ] Selling up money. Miami. old school AMC. Adobe for our 12,000 to. 12. What is it? 250. >> $2,500. >> I also use Adobe for my day job, which. I've been trying to get them to pay for. >> Well, then they should pay for it. I. agree. Uh, okay. That's That's laundry.

That's fine. Cafe out of the closet. That's a thrift store, believe it or. not. >> Yeah. Yeah. They're one of those smoke. team water. And again, I'm good with. charity, but it doesn't make sense to. give to because you could give so much. more to charity over the lifetime of. your life if you actually buckle down, get out of debt, have a fully funed. emergency fund, and then you can. mathematically give more to charity than. just a little bit here and there while. you're trying to survive. >> See, that's great. Good cause, but like. you can get so much more longer. >> Okay, sure. >> AMC, Chick-fil-A, Google One, Wendy's,

and Cafe. >> also. No. Yes, you may have gotten that. 68 back, but you've paid an additional. 68 this year so far in overdrafts. Okay. Robin Hood 67. So, I guess that's. our retirement. 3154. started that. >> Yeah. >> Okay. This is. silly. I don't really get it. Let's make. a budget, >> please. >> All right. We got you with 3,300 for.

your income. Yep. >> Debt payments $459. >> Okay. >> That's your mortgage, your portion of. your rent. Sorry. >> Uh 900 is what I pay. >> Okay. 900. Uh. utilities, everything combined, your. portion, internet as well. >> It's about 100 bucks. Yeah. Between. internet and electric. >> Good. Gas room vroom vroom vroom vroom. vroom vroom vroom vroom vroom vroom. Drive. Drive. >> I'll say about 150. >> Okay. Car insurance? >> Uh just lower that to 64. >> 64. Okay. >> Yeah. Uh, food, you can do 300 to the.

pile. TP fund, 75 to the pile. Subscriptions, I'll give you 40. And I can give you some fun money. I'll. give you like 100 with $190 of fund. money. I can still have you at $1,000. left over, which do the math, pays it. off in 22 months. >> That'd be great. >> 22 months. So, we're talking 2 and 1/2. years. Yeah, your debt's gone and you're. in a fully funed emergency fund.

situation. Do that and then move. But we're not. moving yet. We're not traveling yet. That's I mean, this is what where we're. at, buddy. You just have to choose what. you want. >> Yeah. I mean, I we want to move. hopefully sooner rather than later, but. you know the. >> Well, here's what we're going to do. >> May not be there in 5 months. >> We're going to call your girlfriend in. the post show and you are going to tell. her no more travel. And I heard she. might be pretty upset about that cuz she. refuses to give up travel. But you're. going to tell her that. >> Yeah. >> Okay. Well, we'll call her. Let's get. her Hammer financial score. But before.

that, again, join Hammer Elite. Click. that join button or link in the. description below. And with that, three. premium shows posted every day, Monday. through Friday, including the post show. for this episode. Spending a budget. Well, you overspent. Zero out of 10. Debt, no collections, but it's not the. worst. Oh, but you were behind on debt. So, one out of 10. That was going to be. like a two or three, but no. Emergency. fund, nothing. 0 out of 10. Retirement. That's I'm not going to consider that. 0. out of 10. Real estate. No. 0. Wow. Okay. Well, barely rounded up.5 out of.

10. Guys, I'm going to call the. girlfriend. He's going to tell her no. traveling. Put his foot down. >> I'll see you in the post show. Join. Hammerly below. >> We just need to at least cut back. Like, we can't travel like the way we have. been. >> Memories. What about the memories? >> That's that's not showing up in reality. Sounds really really selfish that you. can travel your way to McDonald's and. Chick-fil-A and stuff, but then you're. saying no to getting on a flight. Like. just it's it's not adding up. >> Dylan told us that you guys were.

considering moving internationally in 5. months. >> Oh my god, did he really say that? >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.