Financial Audit's Biggest Nutcase

I would definitely say I'm a extremist. is this like the polar opposite of Joe. Rogan happening right now yeah basically. 2025 what are you talking about it's. still here bud it's still here buddy I'm. not falling down your conspiracy hes if. you find the truth to be conspiracy. there are other problems this de my. producers have been telling me for about. a week now that they've never seen. anything like. it download my new simpler budget app to. date and take control of your money once. and for all and as an extra Limited time.

only bonus I will give you a signed. version of my budget friendly cookbook. for free when you sign up for simpler. budget premium. annual hi my name is Rex I'm 34 I'm from. Lancing Michigan and this is financial. audit welcome down to Texas another. michigander I'm from kouo thanks for. coming down I appreciate it that's a big. trip what do you do for a living up. there in laning currently I am door. dashing and I run a small farm okay.

let's talk about the door dashing first. how many hours a week are we putting. into that or we making money it's not. the pandemic anymore so it is very. different people made a lot of money. gearing it and I'm in a small town so uh. currently it's uh is not that outside of. Lancing but yeah uh Lancing mostly uh. okay yeah how many hours a week are you. working on this so I've just started. back in the last couple weeks after. ending another job um so oh okay you.

doing a couple weeks ago I was working. at Applebee's as a line cook yeah uh. making 16 an hour yeah microwave and. okay fryer and yeah that's what why' you. stop that's uh I only worked there a few. days and it was just not a it it was not. a good fit I i' had been trying to get. some other jobs and nothing was hiring. so uh nothing was hiring okay. interesting well I put in applications. to do like all sorts of stuff like.

technicians you have job interviews I. didn't even get calls on most of them so. how your resume my resume could it. mostly just says my company that I own. definitely what it could definely says. is I'm an owner of a company okay I was. a stay-at home Dad before the divorce. you have a kid divorce okay yes uh canel. worms flying all over the sorry no it's. okay Apple hold your kid Oh no you're a. kid okay okay uh my child is is the only. one only one they are 12 years old and.

they prefer non-binary terms oh okay. 12-year-old a 12 a a 12 12year old yes. yeah yeah okay cool they are amazing. they are everything I care about and. I've been taking care of them since they. were a baby um their mom was working. full-time and it gave me the freedoms to. take care of them like take care of my. my child and take care of everything. they needed as they've grown wait this. kid at 12 has asked you to uh to do.

nonbinary yeah yeah their parent is also. non-binary so oh okay yeah I'm not super. familiar with the world so I was just. kind of I just I just realized like 12. oh my that's young yeah they just prefer. neutral terms cool uh sure why not uh. okay so divorce when you have a divorce. divorce we separated in May 2023 and the. divorce was finalized uh fall of 2024.

okay so neither really that long ago my. goodness. okay I mean I'm I'm constructing an. image in my head and I really don't want. to be judgmental out of the gate I. really don't go no no no no no no no I'm. trying not to because I'm seeing. divorced dad. mid-30s. doesn't tried to start being a line cook. at Applebees but that was too much y so. he runs away.

to to Door Dash so I'm just I'm just. door Dash is comfortable I get all the. are you making what you need I am. getting there I just started so I'm. getting used to yes I'm getting there so. you're not there I am not there so. you're not making what you need I am not. what are you making in door Dash uh. currently on door Dash it's about 350 a. week and like 25 hours is that before or. after gas maintenance that's that's pre. all of how much goes a gas on a monthly. basis on a month monthly basis oh weekly.

basis I'll say okay uh so about $60 so. 384. minus 60 bucks probably minus another. minimum 20 for maintenance you know for. insurance and well yeah yeah yeah yeah. yeah we I mean we'll put that into your. budget and everything but I'm just. trying to see like what is your income. um the the okay so we'll do 384 well. minus like 20 for maintenance so we'll. say 364 * had by.

4,456 on a monthly basis from door Dash. yes that would be a good average for. what I'm currently at Uber. survivable okay so that's I tried a. bunch of jobs over the last year um well. I was going to say the 1456 isn't like. the most livable pre-exp so why did. Applebees not work out I want to hear a. little bit more about that okay so. Applebees I I had started I hired in and.

I have a lot of previous restaurant. experience at front of house so serving. bartending server managing yeah uh and. that's stuff I'm very comfortable with I. get into the kitchen first day this guy. has a meltdown over the the fish. meltdown an absolute meltdown over the. microwave fish over well the frozen fish. not being stocked so I was just taking a. back what are you the fish man um I. don't like working with like extremely.

toxic people and he was definitely. rubbing me the wrong way oh but he. didn't do anything to you no no nothing. to I was just standing there uh trying. to well I was like why would it impact. you I guess okay so you just saw someone. blowing up freaking out yeah and I was. like is this a common thing and then the. manager was like yeah I tried to warn. you he was a hotthead and I was like. that's other steps could have been taken. like the management always has. interesting personalities so especially. in a place like Applebees offense. Applebees but also offense to Applebees. yeah they're have some very good food.

but yeah they're um I love their Brew up. bretzels they're delicious I guess I. shouldn't judge I haven't been in like. 15 years so that's valid okay so someone. got angry once and you quit uh it was. that and the so the next day I talked to. the manager I had a morning shift. scheduled so I went in and I was like. hey uh can I chat with you for a minute. like this isn't setting well with me is. this something that's going to be a. daily occurrence like I just do not.

Thrive well in this stressful. environment okay and she was like okay. well what can we have you do like how. can I make this better for you and I was. like well the dishes would be cool CU. they switched me over to dishes on the. first shift their. dish Applebees before Applebees how were. you even Landing in this position I was. just looking for I was applying for were. you doing you had to yeah before though. what what was your recent job before. that it's just been caregiving for the. last 5 years caregiving yeah and okay.

what happened I'm that's still my that's. my main did you say that at the. beginning I thought you said you have a. business and and my. farm yeah. caregiving what do you and Michigan is a. uh okay so it's has to be like what. corner apples so no it's. oh oh I guess I did leave Michigan right. when that started the whole legalization. of that really a farm yeah yeah I have a.

72 Plant Farm yeah yeah it's legal yeah. we're allowed to receive donations 72. Plant Farm what is that. remuneration 01 acre like what it's an. indoor farm so it's a okay uh it's a. nine light facility what you making off. of this so right now we are just getting. it started where we're having kind of. like your door Das just getting started. yeah well is there anything that's not. just getting started. no oh well you are 34 right yeah okay uh.

life's not just getting started no the. life definitely isn't um but the. consistent harvests are what we're. finally getting to it takes time to find. the right strains and genetics to get. consistent Harvest to pay all your bills. to pay the workers you're not even. paying all your bills no all of the farm. bills are are are paid that comes out of. the like donations directly so donations. it has to be called no no it's just. referred to as donations because. it's uh you're remunerated for your.

services what the did you just call. me you're being compensated for your. electrical water knowledge you know uh. you're it's a donations like I'm not. paying okay tax on those necessarily is. that legal yeah yeah it's part of the. legal framework of being a Michigan. caregiver yes okay cuz I don't know wait. caregiver yes that's what a caregiver is. yes oh that's what you mean by. caregiving yeah five medical patients.

yeah thought you in aing home helping. people well I am but helping them smoke. the stuff they need to smoke to in home. you're in their home no no well some. patients I take right to their home uh. you know and we know for a fact this is. 100% legal what you're doing the way. you're doing it yes okay cuz it's. outside of my world I'll be honest it. just sounds weird.

yeah. my go would be to own a larger legal one. like you know 100 or 500 plant facility. if you're getting so many donations and. everything why aren't you living fully. off of this what are you making what. what's our profit what's our profit on. this so is it allowed to be a profit if. it's. donations yeah because I still have to. pay employees and pay for things sure. but I said profit right that's what I'm. I haven't gotten there quite yet so. there's been very. little not the black I wouldn't say the. red for the grow I would say the. the the farm is in the so there's a.

profit yes there is a profit what's your. profit it's about $1,000 a month okay so. you bring $1,000 a home yes that enters. my cash app or cash or however okay so. $1,000 a month obviously that's not. enough to survive on you were doing that. for five years and you started all of a. sudden you were like I can't survive so. you went to Apple what about Jared you. have the look presence of ofing Subway. yeah I thought about it Subway would. probably work well but uh.

Subway they I I'd never actually applied. to. there Sandwich Artist was not it was a. Jared joke yeah okay I. understand uh yeah the farm has just. been it started out as so I could just. provide free to sure what paying your. bills are also taking care of the kid. you have cust what's the custody. situation 50/50 okay so I feel like. probably want to provide for this um a.

child yes um thank you you're welcome. sorry Tongue Tied Tongue Tied it's a. delicate road to dance down you know um. I have tried many many things uh to try. and make ends meet um and sure what. about like don't leave a normal job I've. not I didn't have a normal job to start. with you Applebees is a job I was. Applebees is a job unfortunately.

ultimately they would not work with my. schedule in it because I only get my. child half the time I cannot give up all. of that time to Applebee's I don't know. if you have kids but like that is not do. I cannot give Applebee's for $16 an hour. right I don't all all these other. parents are also able to work jobs I. don't know how that's possible when what. do you mean when their bills are this. High you cannot make $16 an hour the. bills that are that high that you got. into yes that I put myself into okay. well that's different. well right I why don't you control your.

bills then exactly that's that's what I. need help with okay that's yeah maybe it. starts with probably not giving all our. time to this donation business and. putting all our time ultimately nothing. will make more money than the farm will. like a month I don't know what the. you're talking about I mean when it's. but I have a the hypothetical when no no. April 18th is the next Harvest and it's. going to be so it's a I harvest three.

lights every 21 days so three lights is. between uh anywhere from six to 14. pounds of at $1,600 a pound sure don't. you owe the IRS like $25,000 hour I wish. I. wish so the the farm has been my way. forward I've put all of my learning all. of my efforts all of my relationship. building all of it into provide fing the. best medicine I can for my.

patients okay and we are almost there. and I am so excited what's different. this. time this time I I have solid genetics I. have the room I need I have the AC I. need I have the team so you just sound. like every person that comes on the show. and is incredibly optimistic and then we. follow up afterwards and their grand. plan doesn't work like I don't know like. I can't say no that's not going to work. but I also can't just agree with you cuz. where you are like I'm.

I'm uh cognitively investing into this. person's truth that is in this kind of. situation like I don't know right yeah. it takes uh you definitely have to see. the process. to really um are you an endless. entrepreneur basically I have uh okay I. have tried oh what was your last okay. another recent tangent um very similar. to the fish tank behind you freshwater.

aquariums my you were making a business. off of that I am current I make about. 500 a month currently from net profits. or profits profit yeah profit okay um. from aquarium plants and fish. sales which is like Facebook Marketplace. yes exactly fa and EB bre and grow yes. yep Guppies sore Tails plos have you. been doing this I started last year when. my roommate moved in they brought one. tank over and uh we now have over 17 my. question is with the amount of hours.

that you put into this $1,000 a month. that you get on average after batches. are grown well that's after um paying. like all of the bills employees yes. after expenses just like how I get my. money at this business and upgrades you. know like yes that welcome to business. yes after expenses that's what I'm. saying eventually it'll start to make. more money is like a like next month. April I certainly hope so again I'm. relying on the information to be correct. from this guy yes.

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say goodbye to guessing and say hello to. smarter credit choices visit agent. a or. click the link below and let me know. what card you land on okay so again. $1,000 hour a month that is the tangible. reality as of now not the hypothetical. previously yes now now dude now not. previously now now just not hypothetical. future okay now is a th000 500 from fish. how many hours a week are you putting.

into both of. those less than 20 less than 20 less. than 20 okay including packaging and. shipping and everything you have to do. for both sides less than 20. yes okay I mean that's a good relatively. decent return on oh wait you said a. month that's what you get never. mind yeah it's like 18 bucks an hour. [Music].

if it's so good why would you have to be. door dashing why would be you be looking. at Applebees why would all these things. because I'm behind and I need to catch. up and I've been trying everything I was. hoping Applebee's would be a good F why. are you so far behind I was in uh my ex. partner made a lot more money than me. and I still have all of the bills from. that I live in the marital home I'm. trying to sustain you live in the house. still yes yeah with your ex no they. moved out oh they moved out okay yeah.

they moved out so I stayed with our. kid and I haven't been able to afford it. and I've fallen behind why haven't you. sold the house or so because of the. current um federal tax. situation uh it is not currently worth. enough unless we list over market value. a substantial amount okay so we have. this Grand amount of money coming in. which means this must be a very. successful job because you're a very.

successful entrepreneur do you have any. other jobs what other jobs have you done. uh other jobs I've done I I want this. like so existence of you so that I can. actually put what you're saying into. reality yeah exactly okay so let's start. separation happened 2023 I needed to. start making money on my own I started. trying to be a webcam model myself and. it did not work model yeah like live. webcam modeling you you were yeah you. were like whole P out uh double hole no.

I was just trying to sling my meat a. little bit wow. man damn and it did not go well for me. it was less than 15 an hour um well who. like where what and how so well I my my. only real customer I got on there was. this woman that just wanted to see my. belly button um that was really it she. would as me to stretch my arms up or try.

different shirts on and that was she. just wanted to see my belly and that was. and but I'd sign on and nothing would. happen yeah I was trying well listen. listen well also from work from home Co. has been a a huge issue for us so like I. couldn't uh we've been it's 2025 what. are you talking about what are you it's. still here bud it's still here right now. yeah but it's not like impacting the. rest of us have you heard of long Co oh. you mean that but not in terms that's.

from a single infection that's but not. in terms of like the economical impact. like people are going out and working. people are well right but the are in. restaurants are travel the longterm look. at your life if you are unable to live. past the age of 35 because are you. afraid of getting long Co I'm not my ex. partner and daughter and child both have. long Co already I'm not afraid of it all. of them have long Co you likely have. long Co also well then I'm kicking its. ass um a lot lot of people aren't um how.

many I don't know any statistical re uh. about 40% of people that get a single. infection and most people have had 10. plus infections now if that's if that's. do you understand the math on that cuz. that's everybody I do but if that was. the case this entire country's economic. system would be shut down no no it's but. time it takes. time you're saying that's going to. happen it will happen is this like the. polar opposite of Joe Rogan happening. right now yeah basically yeah okay so.

you're like he's like he didn't like. believe any of it and believe it's like. the black death but there are tools that. we can use like like what I brought here. today like this guy here kxel it's uh. antiviral yeah it's an antiviral two. shoots up your nose at a time and uh it. keeps you safe how do you find these. people it'll keep you safe if you got. sick kids and you're tired of them being. sick give them Co so before they go to. school keep them safe if you're going.

out in a crowd how that your kid two. squirts in their nose how often I said. uh just for gymnastics we homeschool our. child so cuz you're afraid of them going. outside no because public school's a. Croc and homeschool much better but it's. not the fear of getting sick well we. just take extra steps to stay safe it's. not the the fear of getting sick it's. the but you they're not in they're not. not in school because of your fear of. them getting sick correct. right okay initially you wanted to.

homeschool well initially we pulled our. child out of school because Co was. getting bad in our area like didn't. School shut down and not really was. locked down for like three years no they. went to like reduced class sizes but. they reverted back quickly there was a. study published about uh this kxel here. last October that shows that stud well. it's from Harvard so your quotations are. a little well there we go this is any. impetuous no this is anytime anyone. throws out the word study it's like okay.

from what October 4th 2024. Harvard yeah that's that's when the. study's from it's about antivirals in. mice oh yeah yeah so their test was. mostly about the flu and they exposed uh. the mice to 250 times the lethal level. and the mice were fine that had Kix Sal. the other ones are dead because it's 250. times the lethal limit okay 200 it it. kept those my safe they didn't get us.

they didn't get the flu they didn't get. Co they didn't get RSV they didn't get. any of these. viruses okay kxel is a nasal spray. developed by salvon USA Inc contended to. gr to bury the naal passes to block. airborne viruses including uh covid uh. however it's important to note that kxel. has not received approval from the US. Food and Drug Administration February. 2024 the FDA issued a warning letter to. the company stating that kxel nasal.

spray is an unapproved new drug. introduced into Interstate Commerce in. violation of section. 55A of the federal Food Drug and uh com. uh cosmetic act the FDA emphasized that. introducing such a product without an. approved application is prohibited. despite the lack of FDA approval kxel. has been available for purchase over. the- counter of various retailers for. like HB and Meer before kxel we were. masking every day and fully isolated. from March 2024 until separation yes it.

sounds like you're very scared uh July. 2023 we uh we've been avoiding infection. because each one takes significant time. off of your life whether it's now or. later it's taking the time like you're. going to be safe you're going to be out. you have the hard science behind that of. long Co yes yeah I have one person gets. Co they're going to die 20 years younger. not that you're going to not NE it's not.

a specific time necessarily it's just. some period of time you will lose with. every single infection you get like a. minute like what are we talking I don't. it depends on your other health factors. well doesn't. everything uh yes I mean yes if you're a. fat like me I'm not going to live as. long nothing has had the profound impct. not going live as long but it is a part. of my financial thing because I haven't. been able to well that's fine I'll let. you talk it's is I I like to play. Devil's Advocate the things but I would.

definitely say I'm a CO extremist over. the last is very clear but I just do not. have the information equipped to be able. to have a reasonable conversation is. what I'm saying like obviously I can. tell you're in an extreme camp but I. don't have even like the middle Camp's. ability to like talk about it right cuz. it's like I got Co a few weeks ago and I. had a like I was so you'll need to watch. for new symptoms as time develops anet. depression gut issues like strange bow.

movement five months ago um none of. those have changed uh I also had it like. four years ago still none of those have. changed but nothing new has happened to. me that's that's good for you but for a. lot of people they out of their bed. anymore that's part of it also you don't. think your thyroids affected when you. get a CO infection I think I don't work. out and eat really. poorly that could be that is like. mathematically my calan out is.

uh-uh you have to know what your Macros. are to like yes to lose weight or. maintain you know if that's your goal. but if you don't care you just don't. care that's that's. fine okay something just tells me you've. been on Reddit or Twitter too long but I. okay like even after this show I'm. quarantining for a week before I pick my. kit up again are you okay and I'm on. kxel and masking on the airplane and. using CPC mouthwash CPC I don't even.

that's these are tools people should use. even worth living if you live it like. this you think those steps are. extreme I find life to be worth that. you're not going to see another human. for a week yeah it's pretty extreme but. I won't see my kid um who said isolating. well yeah I'll be in my house but. alone well oh are you going to see any. other humans well my roommate will be. there but they've accepted the risk that. if I come back with an infection. fine with it but I don't want to give my.

daughter an add or I don't want to give. my kid an additional instance of covid. if I can avoid it just prevented me from. working um and Applebees was another. issue with that where I I couldn't mask. and be in the kitchen it just wasn't. working um it was just too hot in there. my glasses were it just wasn't oh so it. wasn't they didn't say you couldn't no. they no I I I couldn't I could for my. personal choices and Views how are you.

going operate in society well it. basically sounds like you're not. actually in fact you're not because you. couldn't exist in an Applebees and. you're 34 and you have no career okay. this makes a lot more sense you're. incapable of operating in. Civilization right yes yes yes guys I. just wanted to say an extra thank you. for making simpler budget an incredibly. popular app I wasn't expecting it but we. literally get like thousands of. downloads a day and a lot of you are. actually changing your financial future. and we've been hearing from you so thank. you you all for supporting us we just. wanted to continue to say thank you and.

give people the opportunity to try out. the app so we still have a twoe free. trial in there for the premium version. and of course everyone that signs up for. an annual version at least for this next. quarter will get a Founders Edition. simpler budget notebook and it is signed. by me sent directly to you so that's a. special thank you for putting your trust. in us to create an amazing budgeting app. and let me tell you the features that we. are going to release throughout this. next year are about to be crazy I going. to make this the best budgeting app that. has ever existed seriously download.

simpler budget now it's incredible the. time to take control of your finances is. literally right now and as an extra. limited time only bonus I will give you. a signed version of my budget friendly. cookbook for free when you sign up for. simpler budget premium annual okay yeah. was uh like McDonald's was the the same. situation you worked at McDonald's too. yes in 2020 you droing wow okay yep I I.

started at McDonald's in 2024 worked. there for about a month and then uh the. the manager had uh opened up with me one. morning and uh was blaming me for going. too slow well after just training me on. the uh drink station and taking orders. they kind of introduced me to it and. then they were like okay you can do this. now right and then uh yelled at me for. being too too slow and we were the only. two people there uh and then later that.

day that same shift uh the woman was. making breakfast burritos in the back. and just like kind of coughing all over. them uh and I was like yeah and I was. like nothing to do with Co this just a. gross uh well she tested positive for Co. so it actually was Co this time but she. also was just a gross because I don't. care if you have Co don't cough into. food right yeah like those gloves aren't. going to stop your coughs going in there. ma'am so I was like okay this isn't I. don't want to eat this or or be here so.

I left that and then a couple weeks. later I had started at a tree service. company I was what the longest you've. held down a real job the tree service. company was uh how long that was almost. 6 months oh and I caught a a log is this. even worth going through your documents. oh my I think I think I caught a log to. the side of my head on that one I think. you're just lost man I think you're just. you're going to be afraid until the. moment you die of everything and I'm not. saying people didn't get sick I'm not. I'm not saying I'm on the other side of.

it either I'm not saying I'm on your. side I I'm not even taking an opinion or. stance because honestly I'm just not. educated I I just don't really care I. was like you know I got a little bit of. fever and I was like oh this sucks. hopefully I can go outside again soon. and then I did hopefully I can move. again is some people's. reality I'm I hope I can get out of this. I'm just trying to make sure I'm. positioning for those that are listening. out there that I'm not like even taking. a position but you're obviously in an. extremist camp and it is preventing you. from living a life a normal life a life.

a life I feel like I have a pretty good. life you're not going to see people for. a week in 2025 because you sat across. from the table for me well because of I. was also on an airplane two seats away. from your magic little spray well yeah. and I also had an n95 on but like that. doesn't necess I would like to take all. the steps I can as well exactly like. Mormon underwear yeah they my garments. these are my.

co religious. garments so so after Tree Service ended. it it was just down the road from a. strip club and one of my jobs on my list. of stuff to do in my life was strip club. manager what so you can see tits no I no. it was youing Dick online well sure yeah. but I well belly button mostly yeah um I. was really uh it it was close I had made.

a joke with a coworker like I'm just. going to go start working there like I'm. tired of doing tree work because it was. a 45 minute commute there 45 minutes. back and then it was working from 8: a.m. to. 4ish and 20 bucks an hour oh how have. you actually survived that's a great. question it's an incredible question cuz. I'm surprised you're not. your like surprised you're not 500 lb.

from not being able to leave your house. I'm so this is I'm I try to keep. healthier food in the house so what. happened to the strip club then okay at. the strip club we will get into the. finances I am trying to just establish. this man's base cuz oh my God okay okay. so the strip club I I I knew I could. make some tips being the bartender up. there that was what I was think manager. well I was training to be a manager so. you have to to do the door and then you. learn bartending then you learn DJ and.

you learn how to pull the cash from the. ATMs you oh sure and then yeah you go. from there so I had got to door and. bartender except it was only $11 an hour. for the first uh 90 days before tips. before tips yeah $1 an hour uh old. minimum wage before tips so that was. going pretty well um the scheduling was. kind of killing me because I homeschool. and I was so I'd have to work from 700. p.m. to like 3:00 a.m. and then wake up. and do home school and then go back to.

work and it was just uh it was just not. working while I was sleeping in I was I. was exhausted how long did you stay. there I was there. for four months four months at the strip. club so until. her but um they did have this one. contest there called the uh prettiest. butthole in. Michigan um it's a. pretty good. contest um yeah you if you if you want.

to participate or judge I was I was just. witnessing I wasn't judging or. participating the guy that won though. definitely deserved the trophy that was. uh nice and bleached I'm sure okay he. did. fantastic yeah he had the best stink. star in the galaxy I'm pretty sure what. the are you doing just working I. mean kind of I mean you quit every job. you're working a job right now you're. doing door Dash you door Dash is a job.

I'll make it's it's a job but with your. money before expenses it's a job that. fits my schedule currently and I enjoy. doing it because your schedule is border. made by you that's well I mean it's. between my custody Arrangement and. homeschool scheduling I need to do all. of these other things okay maybe you. can't homeschool then no I I have to. home school okay then maybe you're just. un bble to operate as a single.

dad mathematically so far that is. correct yeah it's been extremely hard to. go from extremely traditional husband to. buddy this is. debt I actually don't even know it but. my producers have been telling me for. about a week now that they've never seen. anything like it so I know for a fact. you are. failing yeah and at some point you have. to give up some things I've given up. everything I can so far. close I could get into some details if.

you like what would you like to no all I. know is you don't need to be doing this. donation business you don't need to be. doing the fish business it takes time it. takes time and even if that. time I'm going to talk for a moment now. even if that time is making $16 an hour. if you have to dedicate an hour to fish. let's just say randomly as an example in. the middle of a day and that's. preventing you from going and working 9. hours somewhere else it doesn't make up.

for it and your financial situation is. proof of it if you cannot afford to take. care of your child because you are. dedicated to homeschooling them then you. can't afford to this is basic afford not. to it's worth any price to take care of. my kid oh my oh my you if you have. a kid one day you might understand yeah. and guess are you married yet I am not. but guess what I've seen a lot of people. on the show and this is where you're. headed that you're so proud of for some. reason where their entire life your kid.

is going to be on hold because their. failure and joke of a dad while they're. trying to live their life never did. anything in their entire life their. dad's life so all of a sudden your kid. has to put their life on hold to take. care of their failure dad that's where. you're going that's is a mathematical. reality I don't need to have had a kid. to know that that's not going to happen. F you that's not going to happen look at. your finances now you're in your your. mid-30s you're acting like a 12-year-old. shut the up you don't know what you're.

talking about you're a. baby shut up what a joke that's not. going to happen you don't know. anything you're not even living life as. an adult in. 34 you couldn't successfully complete to. marriage you can't successfully complete. holding a job married for 12 years and. guess what you're not you couldn't. successfully complete holding a job for. more than 6 months you couldn't work in. a kitchen. you can't go and sit across a death from.

sumon without having to sit in a house. for a week you're a child you're. incapable of existing in this world and. doing all this stuff that you want to do. and just like by the way your kid you. want to homeschool your kid all this. stuff that you are choosing is going to. put you in a position where they're. going to have to put their life on hold. to take care of their joke of a dad that. is your choice and it's honestly a. disgusting Choice it is a selfish choice. so them being it's aoke sick from being. in public school constantly is a better.

thing so how would I take care of a sick. kid I can't afford a babysitter I can't. afford a hospital bill hospital bill if. they get the sniffles the co is not the. SN I didn't even say Co you just said. sick I'm suggesting a cold yeah there's. there's hardly even colds. anymore there's that's not even true. that's I know that's not true bring up. the Wastewater data and look up. the years you should check it out I'm.

buddy I'm not falling down your. conspiracy holes if you find the truth. to be conspiracy there are other. problems everyone that's what everyone. says buddy that is in your you met. someone else that's taken this many co. precautions Matt no but we've all seen. them buddy I we all know people like you. in society and you never go anywhere the. survivors you never go I'll be here long. after the rest of you are gone I highly. doubt that I will. be I don't think that's on my uh you hum.

you your oper your life isn't existing. like I don't think I have some great. co-workers co-workers oh the stuff yeah. they're F and I see people with door. Dash what do you how do I not see people. window I have to go into these stores. and every day and interact withing. moment it's not an actual connection. what does the future hold for businesses. ask experts and you'll get 10 different. answers bull market bare Market.

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jump back into it how exensive is your. friend. group I have a pretty pretty remarkable. friend group I have some I have some. fantastic friends let's hear about it. okay uh anyone specifically I can start. with my roommate describe your friend. group this robust friend group. um I wouldn't say it's robust it's it's. like four four people in my mind all. it's. it's really all I need dude you can live.

whatever life you want but you're going. to take down your kid with you I really. trying not to do that and part of this. show is to help give them a better. future listen listening to you in the. absolute world view you. have nothing I'm going to say is going. to fix anything you're already you're. gone you you need like a like a you a. deep. therapy that are you do go to therapy no. not anymore no I can't afford that okay.

I'll give you three free sessions with. soundmind I use them the audience use. them former guest use them all right I. appreciate that I will definitely use. those thank you yeah bring this up you. got some stuff going on I'm not sure. what they could tell me that will change. any of it they just need to people like. you spiral and you're spiraling cuz. people can fall down the complete. opposite side there's extremist. everywhere in lots of things but when. you start falling down the extremes. where there's only one like like a.

perfect truth that only you know it just. it just gets this isn't something only I. know I know but come on it's your little. your little Community your little we. just be safe and protect our kids that's. really it that's a nice way to say it. and present it but look how you've. talked so far you're literally. destroying your life for the sake of. that it's I'd rather be broke than dead. for sure a million per I'd rather be. penniless and poor dead okay cool then.

dead and before we move on let me get. let's get a real statistic then this is. not a political thing we're just going. to get an actual real data point 103. million confirmed covid-19 cases so in. your instance literally a third of the. United States would be completely. failing and collapsing okay as a result. uh of the 1.2 million deaths of the. diagnosed cases was 1.2 2% death so 99%. chance of survival which according to.

from initial infection yes but it's. important to note that that is only on. uh based on people who actually got. diagnosed the vast majority did not and. then the vast majority of people that. did were either old or morbidly obese so. there you go um I'm not just afraid of. death it's the. incapacitated you you made it you made. this sound like and this is why what you. have is an extreme position I'm not. saying it's not scared to die but you.

said I would rather be financially than. dead you made it either or and it's not. that simple and your extreme brain has. gotten you there and it's preventing you. from actually living a decent life and. that is scary repeat infections would. kill me and dramat dramatically shorten. my child's life you're saying that as a. fact it is a. fact look up repeat. infections oh my gosh this is such a. stupid why are we talking about this for. 40 minutes I don't really care about. this a lot of people don't most people.

don't actually probably about 99% of. people do not care at all about this. they don't care about their kids they. don't care about their SP spouse they. don't care about their parents it's not. about caring it's what you're Define is. carrying have you seen what attendance. looks like in an elementary school since. since Co huh have you seen what like uh. attendance rates look like I can't find. an actual statistic related to because. no one knows how bad it is then how are. you so confident then you said that I am.

going to die just a law of average like. it's just so if you get it 99 times if. you have it no even 20 time like okay. there you said you will die you said. will you will yeah you I move okay. that's fair cuz this is actually yeah. and the numbers aren't on my side. because they don't they aren't there. like the information is just not there. yet there's not even a test for long Co. unless you have a pre Co infection and. you have all these new symptoms they. just say oh well that's long Co I'm not.

saying it doesn't exist I'm not saying. that actually I know that medically. diagnosed they do medically diagnose it. but you're like there's no test for it. there's no way to tell what actually is. they just use a list of things and. you're like you have it it's like you're. not making it sound good you're not. making it sound like I wish I wish I. could make it sound better I don't know. how why are you so. obsessed my if you're not able to make. it. actually it's basically a bet it's a.

gamble that I believe these things will. happen so you're not willing to gamble. with the 99% if I have a 1% chance of. losing and a 99% chance success of. winning I'm probably taking the roll on. the win what is the win though repeat. infections again there's no actual. statistics around that at least that I. could find well all I for what it's. worth what I did is I did the uh search. function on GPT so I had it scour. resources so obviously I can't sit here.

and read 50,000 books in the middle of. this conversation right I have to do. what I can I wouldn't expect you to of. course. yeah okay okay cool so essentially. you're not willing to change anything in. all this finances that you would rather. have up than certain death so why the. are we having this conversation then. because there's other ways forward that. don't require me to be around people. yeah I have them then why aren't you. successful. because it takes time and I'm getting. there and yeah budy you've been in.

adulthood 16 years I had a pretty. successful career. before. um as a stay-at home dad cuz uh oh okay. that that's my longest career been doing. that for 12 years when the last time. your kid got. sick uh uh November 2024 I had went and. uh stayed at my brother's house uh after.

uh taking a trip to repo a vehicle and I. ended up getting sick and then came back. home and I'd only quarantined 3 days uh. and it was not long enough and my kid. ended up getting sick but that was the. flu aren't you afraid by them not. actually getting any antibodies of. anything by ever having any interaction. with anything that if you know any come. from that if they do just get like a. literal flu at some point it's going to.

like destroy them that's not how our. immune system works that's that's all. based on a lie that getting sick builds. it it weakens it every time well I asked. the question. yeah oh what do you think your financial. score. is 0 to 10 zero being the worst 10 being. the best zero currently okay so we. better not change anything if you want. your Hammer Financial score link is in. the description below or you can go to. Caleb hammer.com. uh if you want to come on this show. Caleb hammer.com apply we'd be happy to.

have you normally this is where I say. download the simpler budget app because. this is it'll actually fix your. financial situation by you can see how. much you spend on certain things blah. blah blah you get the premium version uh. but you're not a budgeting case that is. as clear as they it is obviously not. your actual finances that is impacting. your life you are down deep RAB holes of. extremes. okay IRS. for. 2014.

yes. what. the Yeah 11 years ago that's comedic. what can they even collect on that it's. 11 years old it's the IRS I'm pretty. they can no there's a statute of. limitations on that I'm sure it's got to. be 10. years uh but before you get too far you. should you should maybe look at a couple.

of the next Pages. there did that say that uh IRS can only. collect after 10 years have you seen. that before yeah 10 years uh for. collections the IRS has 10 years from. the date of assessment when the tax is. recorded is due to collect the DAT after. that it's typically erased typ typically. yes okay okay so uh if if you'll just go. obviously have not erased it a couple.

more here typical has not applied to you. so why haven't you paid. taxes oh. my it's another. $42,882 in tax oh my then for the next. year it's $70,000 in taxes we had a very. is this stacking are these separate. those are stacking those those are. separate years 18 down a little. 42,000 then 6,000 in 2020 2020 was oh my.

was the year we started our Corporation. and started putting our money through an. escort what was the business uh my. ex-wife is a cam model. so uh we were making over 10,000 a month. yeah yeah because if they could do it I. could do it I but I can't I can't do it. did not my it's no good like it doesn't. work well for me I am not a good fit for. that they're much better so uh this was. us working together over the course of.

our marriage and what was your role uh. photography and videography and. sometimes acting uh for the for the for. the channel and for St cumulative of. 334,000 yes that's uh that's 2014. through. 2020 that's insane I don't even know. what to say yeah that's I I don't I. don't have words for that yeah it's it.

took some time to build that amount why. didn't you guys pay taxes we were the. estimated payments were just not enough. we did not send nearly enough money in. estimated payments did you work with the. CPA for those estimated payments um no I. had went to H&R Block for my taxes good. yes for your yeah and they kind of. screwed us over they did not help us do. what we needed to I wouldn't have gone. to H&R Block if was making that much. money well I didn't know where to go it.

was uh Google CPA I don't know I didn't. I didn't know that then that was didn't. know what I didn't know what who to look. for to help me Google who to look for to. help me and in 2014 I just had um you're. able to look things up well right but. when I looked it up it just said go to. H&R Block and talk to a tax professional. was a paid ad at the top okay um so I. was living in Knoxville at the time in a. house that was what percentage were you.

guys. estimating that uh we well we were. planning for 30% um you put 30% aside no. no we didn't that's what we were. planning to um but we never did the. mean third planning to for a. half a decade you're not planning now I. believe even less it I'm going to start. making money or it's starting it's. starting slowly it's going to happen. because I was planning it was five years. of planning you planning how much did.

you what percentage did you guys. actually set aside planning set aside. none it was just oh you said you filed. estimated. taxes well no we' file the the form but. you didn't. pay. yeah yeah I just thought that they would. set me up with a payment plan or rent. like eventually they did in 2018 but it. was our income had become impact Ed from. getting uh their payment processor shut.

down okay from CES do you remember that. no okay well they lost anyways the site. we used to work on linked directly to. our channel so we could monetize our. views from the porub directly to our. live stream why did you guys get. divorced. uh like why that was the word I used um. there was a multitude of reasons. ultimately yeah why' you guys get. divorced uh my ex partner got into.

astrology uh oh you both are insane. really into astrology and you both can't. delicately get into things you both have. to go down the craziest exactly okay we. are and your signs didn't match so you. got divorced uh yeah my sign was to. leave um I was not interested no no like. I I okay why did you guys get divorced. so you got into astrology we got into. they they got into astrology and they. started so instead of working on like.

their work stuff for Twitter they. started posting more uh about astrology. and and finding people that felt like. that with them and could because I have. were you guys open uh no no we were. exclusive but she Wasing different Stars. no no no this is Cam modeling not like. so our no no no sorry when she was. making connections I was I was associate. so like part of the tax debt actually. from like 2015 2016.

2017 we were hiring other people to we. were paying other people to come cam. with us we were doing different types of. shows and then we would not tax them for. what we were paying. themed okay well they someone messaged. them on the Internet about astrology and. they had my ex-wife had posted about uh. feet fetish work like and linking it to.

astrology and uh this uh recently. unhoused individual from the greater San. Diego area reached out to them and said. hey I like you I want to hang out with. you uh and then I think that started so. this would have been March. 2023 um and then may. 2023 um my ex gave me some poems saying. that wanted they wanted out and so she. left yeah they left they they they left.

y they left and at the time I had rented. a house for my mother and brother um to. move into to so they could continue. their job and they took that rental. agreement since it had their income in. because we were married it had their. name on it so they're like well I'll. just take this lease and move you got on. a payment plan for some of these yes y. we yeah we were on a payment plan in. 2018 um 2018 for the previous ones yeah. for all the previous ones and that was. at. $2,800 wait what do you mean if the debt.

sat there for 10 years and did. nothing then it could be dismissed but. it didn't it was likely that forgiveness. not forgiveness period I'm trying to. figure out a way to explain this that. was likely paused because he went on the. payment plan and it may have negated. time I don't know where you are in terms. of when this could have fallen off I I. don't know without more information. maybe we'll get it going through this. conversation but it's currently.

non-collectible that 10 years though. works if it's is if nothing happens it. can get paused quite often though that. 10 years all right leaving the country. applying for different Services going. through that the negotiation or. conversations of a payment plan right. yeah I had hired law or tax Solutions um. oh good you can pay a lawyer just not. your taxes productive member of society. I I hired them on my behalf to try and.

get yes the tax situation taken care of. yeah and they ultimately just got us a. payment plan we couldn't afford um so we. ended up paying them $10,000 you did pay. 10 yeah yeah it was $10,000 to ler tank. Solutions and then uh we got. um we got the monthly payments gone I. paid like three of them uh because we. had just enough money but then we we. couldn't maintain after that the well. okay the lack of income from uh you guys.

filed jointly yes okay what. they. doing the same. thing C wait but are they helping to pay. this cuz not all of it's even 10 years. old no. no are they doing okay at least I don't. I'm not sure they haven't really. right but they don't talk to me about. I've asked like even before coming on.

here I was like hey what's going on. they're still in Michigan yeah they're. still in Michigan okay um they live not. too far from me still doing caming yes. yep and they've started with their new. partner um apparently uh the internet. doesn't like them as much as they like. me uh we went from 17 million views on. to now their. channels uh you know 170 of. that but that's okay um he he's nice to.

my kid and that's what matters are they. terrified of Co too uh yeah we're we're. all uh we're all in that game and the. guy that came over from uh San Diego he. he's been covid uh avoidant with us this. entire time which has been very. appreciated but It ultimately him not. being able to go find work I'm sure is. not helping their financial situation. also other than him working with.

them so what was your plan for these. taxes then uh my plan was to well. ultimately I was hoping that the house. could sell and they just get paid. because we had why haven't you sold the. house it's well I need to I need money. to do some upgrades and what needs to be. upgraded uh needs to be upgraded well. the water heater needs to be upgraded. yeah but you can get that in a. concession yes yes it could um but.

making a concession when I'm asking. $200,000 above Market um why the are you. offering $200,000 above Market no no I I. you're not going to get I would need. that to cover the federal tax debt. because the federal tax Deb at 330,000. and we owe 124,000 on the house you. can't even afford living at your house. right yeah I've been so you have to sell. it regardless of if it fully pays off. the tax de or not well my ex-wife could. move in there and like she has another. dude it sounds like why would she move. in well they're in a rental house and.

the mortgage is in going to Mo their. name no I don't I don't think so then. why is this even something you're. bringing off all right listen up if. you're a serious investor you need a. serious investing platform not those. apps that look like they're designed for. teenagers risk get allowance money on. mem. stocks I've been using Mumu for over a. year because it's built for actual. investors the platform helps me cut. through all the nonsense and see exactly.

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into the audit well because I thought. they were going to so well because at. one point they had told me they were. going to why aren't they then yeah I. don't I don't. know okay so when you say you can't. afford it are you at least making your. mortgage payments on time and giving up. other things so with the divorce the. agreement was that I pay the exact. mortgage amount in rent through a rent. rental contract that I did not quite. read her to yeah to them yeah to them so.

I pay them the 1351 each month um but I. deal what about when you sell the house. do you get Equity yeah I get half of. whatever but you pay rent okay right. exact yeah um I'm currently three months. behind on the. rent what is happen because uh but you. are still prioritizing your money your. business that's definitely really got to. make money for the first time it will it. definitely.

will can't work I wouldn't be doing job. can't go outside can't interact with. people okay y can't be around the mouth. breathers can't handle the heat in the. kitchen but yeah going think you're just. going to fall on the ground and honestly. none of none of us should pick you up. and you should have to figure out how. yeah and you should have to pick. yourself up yeah you're not a little. victim. you're going to make yourself be you're. going to sound like it you're going to. cry like you are I'm not trying to be a.

victim no not yet but you're failing. you're three months behind rent PRI I. have failed my guy you're not homeless. yet I'm I was just evicted they tried to. evict me because of the stupid contract. yeah they evicted me and you guys don't. have a good. relationship that I don't I don't know. what they're honestly trying to get I. don't understand the point of evicting. me and our child other than just money. so they can't be doing that well if they. need me to cover all of the bills maybe.

it's that you broke the contract raing. well the contract was only we're not. hearing written so the lawyer could get. additional legal fees um otherwise I. wouldn't and I like this lease is up in. April I'm not going to sign another. lease where they're going to say oh if. you don't pay you're going to be you. know you have to pay all this well they. tried and they didn't it sounds like. yeah you're not homeless I. I'm saying when your next batch that is. definitely going to make money.

doesn't some on the drawing rack right. now that's amazing just historically. based on your entire. existence something's not giving me. confidence I don't know what it. is and uh door Dash doesn't bring enough. to make in the fish is probably a waste. of time and it's taken away time that. you get actually in then all a sudden. you can't work and you're forced to take. care of your kid because you can't have. them be around other humans and all of a. sudden it's all going to come crashing. down you can't afford bills you're going. to become in a homeless situation it.

doesn't sound like the ex would take. care of you anyway maybe your ex gets. full custody who even knows you're going. to hit the ground because you're not. willing to change your life and You'. fallen down very extremists just as. extremist is like almost an incel but in. the other in like the the spooky Co. world. uh you're just going to fall and none of. us should pick you back up because you. just need to find your way back to. normaly I don't think that's going to.

happen I hope it. doesn't I I see you owe $334,000 to the. IRS yeah I one over 10 years old so this. is currently non-collectible so as long. as I don't make more than 10,000 all of. it is non-collectible all of it okay is. non-collectible they can't come can't. the only thing they have is a lean on. the house that's the but otherwise.

they're not wa really you didn't tell me. that or did I just not hear that well. yeah that's what I was that's why I. couldn't sell the because of the federal. tax Le no well that's pretty fing. substantial yeah that's that's what I. meant why I could is is they on the. title of the house yeah they're on the. mortgage that's why they were trying to. so if it's not even up to you to sell if. you even want to like they would have to. say yeah they have ultimate say but we. have ultimate say well I mean like it's. do you have ultimate say if they want to.

and you don't uh yeah they can just sell. I'm not totally sure on that one with a. marital asset um what does the agreement. say. uh um I'm not totally sure actually uh. it's just that I get whatever half of. the value is when it sells but half of. zero is zero so like it's cuz right now. with this $300,000 lean on it it would. have to sell for almost $500,000 for us. to get out and be in the green by the.

way non-collectible doesn't mean they're. never going to do anything right it just. means they're not right now because I'm. not making enough money to make the. minimum pay but if your magical thing. happens they're going to want some. money they might yeah they probably. will it's a big Bill it's not an. insubstantial. Bill all right oh Credit One because. you're so.

Good by the way it's the bottom of the. barrel of credit cards what I was. essentially yeah it was uh it's all I. could get by the way here let me give. you this I again I don't think budgeting. is your issue but I do like to give. every guest one of these Founders. Edition budget your financial no no no. no write down your financial journey in. the budgeting book yes it's signed all. that stuff we signed them for when they. sign up for the annual version of the. budgeting app I send them a signed. version but you get one as well I need.

you to document the entire process of. your finances until you come on the. followup Channel and then I'm going to. read it okay okay all right that's what. you have to so like each step I take to. get everything you do give me like a. weekly review or whatever makes sense. for your situation okay so you seemed a. little like well how did I how did this. how did I not pay 42,000 in taxes like. you know cuz because you guys filed. quarterly. but didn't actually you filed the. paperwork you just didn't pay anything.

yeah and it's because I was spending. money on other stuff no I had uh. obviously where to go yeah at the time I. had the truck I really wanted it was a. 2015 Silverado yeah for the real. important hauling around a pair of boobs. was his job so I don't know I don't know. why you need that if only knew what a. joke that was. well I'm sure they're impressive if. they're making that much.

money that's okay at the same time I. also had uh my dream car it was'. 06 yeah I had a a truck and a car that. were both financed um well now you have. credit one and now I have credit one so. yeah I had my 06 Mitsubishi Lancer we. were living in a 3,000 ft brick mini. mansion in. Knoxville uh we were well outside of our. means and I did not have the money to. when I saw like oh I should be paying.

like 9,000 on this quarterly payment I. was like I don't have 9,000 so then I. just wouldn't do. it uh because I thought it ultimately. was just like I'll get a payment for it. and take care of it eventually and uh. that that never happened there was this. other thing I got a little into when we. were having a good bit of money coming. in starting in 2014 uh the this little. game called Magic the. [Music]. Gathering have you have you heard of.

that. [Music]. yes I I played competitively for the. better part of the last 12 years um not. really to the point where I ever made. any money by the way I said 1% earlier. and I just wanted to do more work it's. 05% is the death rate globally continue. so at the time when I was not paying. taxes. uh I. was uh going to you know like my Friday.

Night Magic every single. week and sitting down yeah keep going y. uh and I like to have the best deck in. the room uh I like to go Allin when I do. something so I would build you know full. foreign full foil uh just different. types of stuff and that ultimately uh. really got to my. that I would be spending uh these. numbers on magic cards and the Credit.

Credit One card definitely had uh some. magic card purchases. $47 of fees why cuz you probably didn't. make a there it is late. fee is plus of course your normal annual. oh $450 is the credit limit you owe 570. 517 well. done really set setting your. I'll get those taken care of. soon as soon as I can as soon as you can.

I have a pay life has been nothing but a. joke what is this as soon as you can you. never will based on your track record by. the way you never you never made money. your ex did well we made it together. like sure them live streaming was the. largest portion but like yes but you've. never accomplished anything on your own. a lot of that was from my heart you've. never accomplished anything on your own. you could have done like to say my kid.

is my best accomplishment I'm talking oh. fin oh you know the show yeah that's. yeah I you've never done anything you've. never been. successful I feel like I've had glimpses. of success six months Max uhhuh yeah Oh. you mean from work yeah magic uh it was. a little over. $100,000 the store owner at one point. showed me uh how much I had spent and uh. personally thanked me for keeping the.

lights on instead of keeping your own. lights on for youring. kid father of the year ladies and. gentlemen well at that point I had much. higher income the power but wasn't. behind then or anything just cook over. right did you have a fully fronted. emergency fund. no then you couldn't afford. it by the way I'm just getting some just. statistics out there for long CO as as. we go through this entire situation just. so I can try to become more educated on.

it obviously app it's very blah blah. blah impromptu uh about 5% of people who. get officially diagnosed with covid get. long covid of course we know the. majority of people who get Co are not. officially diagnosed with it these days. but of those who are and also 5% and of. those who get diagnosed with long covid. um the vast majority then that long Co. only ex uh exists for Max to Max of a. few months post infection the small. minority of the small minority of the.

small minority have it for a. year there there's people that have been. constantly hospitalized with it people. there's people who've experienced. everything there are people that will. walk outside right now and get hit by a. car do I destroy my entire life for it. no well I don't play in traffic. either there are people who get on a. plane and it crashes doesn't mean you. didn't get on a plane to come. here yeah.

true oh my gosh I actually may have made. a breakthrough who would have thought. $543 two well this one was just to. diversify my credit portfolio at the. time oh you real Diversified it above. the credit limit yeah that's I I didn't. mean to do that it's I had them all. you're not making a payment so you. didn't mean to do it f you well the late. fees and payments have put them over the. limit. because you're not paying on time what. do you think would happen dude you're a. dumb of course that is your choice still.

you still spent $224 going out to eat. and then miscellaneous things. that don't matter it could be video. games it could be whatever we're about. to find out as an additional $212 you. could have made your payment it's. $130 you this is a choice irresponsible. you're a child adult you are a child. adult you're a child adult you look like. John Green but you're a. I don't even know who that is yeah. well this this is the Quicksilver card.

uh well this was this was used right. after the divorce uh when I was looking. for work and couldn't get any help from. the government um because I was still on. my wife's. finances um couldn't get any help from. the government hasn't paid taxes for a. decade who the do you think you are to. get help you didn't put into the pile. who yeah well that's yeah. nothing to say to.

that yeah yeah this was mostly for for. food at the time um just getting by to. do what I. could wonderful yeah you spent $500 on. bull wait minimum on what I told you it. was like 250 on going out to eat and. another 250 on miscellanous bull yeah. 130 to be caught up on your minimum. monthly payment on this then it would. have been about 40 bucks a month after. that yeah F you that's going back to the. divorce oh W poor me I was just trying. to eat sure in that situation look where.

you are now you spent $500 on. minimum minimum minimum you could have. paid $130 shut the up shut the. up there is no defensible thing you. could possibly say to that there is no. need to be a to that it is not. required shut up it would normally be. for I just didn't have the money to pay. it I have an itch in my nose maybe I. should spray a random spray up there. yeah fees. bu pass du 30% interest.

rate I wouldn't even recommend the. Fizz card to you cuz what debit card. that builds credit that's for the. audience not for you I wouldn't trust. you with it I. wouldn't and nah again this is nothing. at the budgeting app well we get we get. um something like a th000 uh signups for. the premium a day it's pretty cool. people are actually changing their lives. out there taking control of their money. that's good you couldn't do.

it regular capit one you will see I will. get there you have 34 years to do it and. you're in the worst position I've ever. seen on the show practically because of. your IRS this is aing your Hammer. Financial score I mean you have a lean. on your house so it's going to be a zero. like you have nothing going for you it's. not even my. house technically you're not on the. title no oh no I'm I'm not I'm. not no my oh for sake so selling the.

house white po your IR what there is no. selling your house you're you don't have. a house no no I'm selling the marital. home I mean like well the marital. home there is no. marriage well there was they have a. house yeah that I'm currently three. months behind on rent rent that you're a. tenant you don't have a house. oh F me what is this what is.

this Capital. One $374 184 minimum of the payment 112. probably normally 40 but guess. what we didn't pay we're all surprised. late. fees interest. charge what a joke what a joke. 31% interest oh what is this Consumer. Energy I remember that from up there oh.

yeah we still owe $. 8,297 just why don't you just do. anything right ever I have tried to pay. this down but the fees and stuff were. just getting kind of ridiculous which. you. deserve cuz you got into that utility. companies sometimes they do over. people you yourself over you didn't. like I think it was a collaborative. effort I don't think so I don't think so. look at your entire track record and how. you go about life no I don't believe for.

a single second you're a victim in. anything youve put yourself in these. situations my. gosh I've tried to get that resolved. this was uh from 20203 when I was using. the uh marital home to operate the farm. the electric bill I average was like. 1,600 a month yeah so don't have that. home then uh that's seems like the best. way forward if you can't afford the you. get into don't get into it you dumb tit. and get out of it if you have to now you.

can't there's a lean blah blah blah I. think getting out of stuff has. been my one of the harder things in my. life to do quit and. move uh yes yep what So currently it's. the market is 290 and we owe 120 well. they owe. 124,000 but obviously if they pay off. the debts they. Deb that means you're in the clear too. do they have any atttention or desire to. do you know to pay off the debt yes no.

nor the. ability what do they make good money. anymore I don't think so I don't think. they're making anywhere AR making the. money I mean porn stars kind of go right. sometimes I mean some get way more. successful uh I mean I haven't studied. the field personally. so uh not even on a monthly payment for. this uh I was but they needed 1,400 a. month for it um for the minimum.

payment so uh I can't afford that. currently so course is just your income. combined for your very successful. businesses how many employees do you. have in this just. one and then sound so much more. substantial earlier well I can't afford. more I can no listen I'm going to gift. you a course career certification in. accounting hopefully that at least helps. with your businesses but I would. honestly just abandon these and just go. work a job if you're able to operate in.

a room with people which you're not able. to so you probably can't get a job so. you're. probably oh my again I think this. Situation's in unfixable because you're. not able to operate like a human and. because of that uh the Situation's. broken $93 in our checking account oh. ATM withdrawal where' I go. Subway mhm called it Taco Bell Amazon.

Prime PayPal and out went inside got. some bolt eBay Taco Bell Taco. Bell subscription PayPal and out. blizzard. McDonald's Netflix Taco. Bell great use of. resources yes it is great use of. resources when you're completely into. destroying your future pay 31% interest. on a credit card a you owe 334 to the.

IRS credit cards least my concern Taco. Bell McDonald's. Shopify. Meer but it's cheap Meer so it's not. groceries probably Taco Bell Taco Bell. cash app Taco Bell Taco Bell what the is. your obsession with Taco Bell my kid. loves the three cheese chicken flatbread. they're 249 okay and they just love so. most of them are just so it's scary if. she gets a cold but it's good to show. fast food down her. throat at the end of the world it's good.

to live a. little but you won't let him go outside. or interact with humans they go to. gymnastics every week just cool they get. to see people once a week. I I I I I I I I don't know I just feel. bad for the kid oh you spent money on.

o wa you trying to see the old pair no a. different. friend friend yeah yeah they probably. someone you exist what no it's a it's a. real life friend PayPal and I why the. are you giving them money then wait wait. to see them naked oh on oh well it's a. lot of money huh it's not a lot of money. on there bu you have no money you only. have debt you're a joke oh I like to be.

supportive of my friends that's yeah. maybe support your kid Taco Bell. Taco. Bell h i 85 bucks to whatever PayPal out. Amazon Taco Bell another subscription on. Netflix blizzard wait this looks like a. repeat uh but it's not no this a. different time frame Taco Bell tacaco. Bell blizzard blizzard I think this is. another month join the same exact bull. and no. retirement cuz we're 34 buddy this isn't. a budget conversation why the waste my.

time making a budget I don't get it it. doesn't make sense you don't make enough. money to be able to budget what's your. rent to them the 1351 yeah you don't. make enough money like this isn't I this. isn't something I can make a budget for. that's not how this works I will be I'm. just I haven't been there yet 34 years. of not being there yet all of a sudden. magically going to start happening it's. not magically been doing hard work for. years to get my farm prepared you work. 20 hours a week you're a you don't.

know that's not what has to change the. budget isn't what has to change yes you. should cut down and you're spending a. bull that's not going to make a dent in. the IRS honestly with what that was my. thinking also that yeah so you may as. it's not going to make a dent well it. will make it worse so yes you're. supposed to cut back on saving but again. that is not the biggest thing at play. here your World Views. I'm not saying if you were immune. compromised or fat or whatever you.

shouldn't be afraid of certain things. not saying that more likely to die of. course I'm not in any extremist Camp I. try to be as objective as possible and. just go off of what data. exists you're not able to operate in. society meaning I can't give you a. budget that is in society there is. nothing that can be done here unless you. actually joy in Us in like the. world like I don't know you're in your.

own world and you're scared and I can. respect the the feeling of being scared. as someone who gets anxious very easily. I can at least respect that um I hope. there's a time where I can but you've. developed a phobia yeah yeah definitely. but that phobia is preventing you from. existing or giving your kid a life or. being able to prepare yourself for the. future or your kid for the future but. even if I make these changes my kids not. going to make those changes because. their mother's not going to make those. changes.

so and that's beyond the scope of. me yeah I just have I have just door. hash in the farm currently that's that's. my my goal that there's no budget in. here man I have a I filled this out on. my phone even to like I filled all of my. stuff out on and it probably says you. spend more than you make no I can show. it to you if you'd like I filled it you. spent like almost $4,000 I mean what's. coming in like so I can prepare for when. I am making money so I can set things.

aside and what are you going to make in. this magical world if everything goes. right okay so everything going right so. let's do you have a calculator I could. can I this. okay uh let's it's about $250 a day is. what this this will trans so $10 an hour. 20 gross 4 hours a day without me. working. gross well or if you want to cut it to a. 10hour day $24 an hour I'm saying what.

does it make Net Daily profit yeah. that's my profit $250 a day is what my. profit will be as of April as of. something that hasn't happened yet that. you're no it's happening now like the. plants are there I don't know how else. to explain that like it you still have. to move the inventory that's not the. hard part I have fantastic patience that. is not the hard part the the hard part. has been having enough space to grow. enough stuff to take care of this. mountain of.

debt $250 today for how long every. single day. forever and yes and and and that's the. minimum making $91,000 a year yes that. is the projected from just my portion. after paying all of the bills and. employees 7,604 cool catch up on rent. pay off your debt there you go. congratulations I don't know what. that's that's I just don't believe you. you don't have a track record you can't.

you can't because you don't have a track. Rec do it not yes and if you do do it I. will give you the biggest high five in. the world and I will celebrate with you. but your track record makes you in a not. reliable narrator on anything regarding. money you've been working on things. forever you made plans for taxes for 5. years and never did anything I can't. believe you and you have to at least be. able to recognize that yeah recognize. your position I don't care like this. isn't I just feel bad for you I feel bad.

for your life I feel bad for your kids. life I feel bad for your ex whatever's. life I feel bad for their new person's. life I feel bad of I feel bad for anyone. no matter the extreme they have fallen. down feel bad for anyone's phobias. phobias are inherently irrational I have. a phobia of flying it's irra it's. irrational. it does but luckily I'm still able to. live life you're not you're falling. behind and dying and your hmer financial.

score is zero I just feel bad for you. and I hope you get the mental health. help that you need cuz you've fallen. down a dark hole unfortunately you're. dragging a child down with you and. that's what's said I don't feel like. we're going to go to the Post show guys. apparently I don't know what it is but. Lindsay our producer has told me that. she has something for this post show. that is is incredible she told me that. she has this like 2 days ago and I never. hear that about post show so I'm very. excited um so woo join us in the post.

show and we'll see it there you can join. the elite version there's thousands of. hours of extra content we upload. something new every single day almost at. this point and make sure you download. the simpler budget app I'll see you in. the post show byebye oh my so you're F. over people in your lives no I'm not. trying to share with Caleb how you've. taken investments from people don't you. there I can give good. advice maxed out credit cards over maxed. out IRS de in the 6 off just to watch.

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