Frustrated Incel Desperate To Buy Women | Financial Audit

Tinder paying for Tinder that was when I. was on vacation in Miami did not work. you trying to yeah you're not even. paying dead on time when in Rome I like. going to like very highend bars I like. highend things High well that would be. nice right but it doesn't matter why. have all this if you're not paying off. all CS you shouldn't have any D you. shouldn't be the dumbest mother in the. world and hi my name is Wesley I'm 22. years old from San Antonio Texas and. this is financial audit.

you look like you're in the military you. in the military like I feel like I see. just like an AR 15 written all over you. okay what do you do for a living thanks. for coming from San Antonio by the way. yeah uh thank you for having me I am a. consultant uh with kind of online. media okay uh what do you make with that. um yearly around 120 but it's variable. killer it's variable oh but are you. saying that's average average yeah. that's a delicious average $20,000 a.

year that's wonderful I don't know why. we'd be in the problems we're into today. with $120,000 hour a year I'll just say. that but that's a classic situation. lifestyle inflation probably will'll see. how long have you been doing this job um. since high school probably since uh I've. been 16 yeah Consulting what do you do. um so mainly with like YouTubers and. twitch streamers and businesses what y. so what would you do for me okay so your. second Channel definitely needs. optimization um which one uh the one. this week in money okay um probably with. topic slection and packaging um also I.

could almost guarantee that you're not. doing anything right now that's going to. increase your RPM um so we could maybe. talk about that off the podcast on how. to get you 30% more Revenue with like a. 30 second change why are you Consulting. in that uh why am I Consulting where's. your I'm just like why are you the. consultant resource on that uh I I have. that decent amount of experience what um. so I have like let's say six years of. experience scaling channels so I work. with creators from Zer sub I help them.

get to 100,000 so you're one of those. people that spams emails my inbox and I. delete every day no actually I don't do. any Outreach people do inbound for me. really what do you have a big following. uh somewh something like something like. that yeah decently okay okay interesting. hm well maybe we'll save some of that. for the end I'm curious to see what you. think about that our our RPM's. incredible on the second Channel um but. could be better probably could be better. I guess I could always be better uh all. right cool so $120,000 a year house is. variable so this is per client then I'm. assuming yeah so um it depends I have.

commissions and then I also have bonuses. so commissions are from clients that I. sign I get a percentage of that um okay. so this is for a company then ex so it's. not just you on your own no it's not me. on my own do they come to the company to. get to you or do they come to you and. they come to me directly why would you. be for a company then why not take 100%. of the pie it that's funny that you ask. that I could make more if I was by. myself 100% if I walked away from my. company right now I could probably be. making $20,000 you're excited you like. you have Ben seiro talk you're like I. talked f um yeah I could make more and.

I've kind of toyed with that in my head. um but the thing is I really enjoy. working with the people I work with and. it's fun right like at the end of the. day like so it's worth the tax oh 100%. yeah how much is that. tax um I get let's say less than 50% of. the revenue I bring in from clients um. but it's worth that's worth it too oh. absolutely yeah because I mean. friendships yeah I mean friends but it's. also experiences right so I got flown. out to Montreal at one point earlier. this year but if you were making. $250,000 a year I think you could of.

Montreal yeah but it's it's a little bit. more complicated than that it's fun. there's also a security aspect to it. right so by working with a company I get. a flat salary which is nice and also I. get a team I can work with so like let's. say we have make less but you have. security yeah and in addition to that. like let's say that I have 50 clients uh. I don't have enough time in the day to. work with 50 clients but I have people I. work with where we can be collaborative. on certain projects or I'm like okay. this client came to me I can close this. who are you dealing with because there. can not be enough creators that make. enough money to actually afford this I. feel like you're probably getting pretty.

small creators that are probably not so. the average Creator I'm working with. right now is probably north of 500,000. subscribers uh or I work with. entrepreneurs and I help them build up. but you can have a lot of subscribers. that doesn't mean you have a lot of. Revenue necessarily so I'm. very interested in they make they make. good Revenue I can I can promise you. then why are they coming to you because. they want to make more Revenue so. imagine you pay me a set amount a month. or you pay my company a set amount month. and then I can help you go from it's a. subscription it's a monthly retainer. uhhuh but if you pay like let's say a.

few thousand dollars and I can get you. twice as much as you're making now it's. worth it okay okay so you make good. money you do good work yes good what is. going on so why are we having a. conversation why are you why am I. Consulting you um so I'm good at what I. do uh I'm good at making money for other. people and for myself but I also love. spending money um so it's kind of a bit. of an issue lifestyle inflation maybe um. but also like just kind of like. practical things where it's like I'm 22. and don't have a full fun developed yet.

probably when it comes to be a little. what I mean you're probably 99 it's not. like all of a sudden you hit 25 and all. of a sudden it's like BL that's not how. it works people treat it like that is. that infantilizing yourself I don't know. how to say it everyone's correcting me. of how I say that word but it's just. like don't treat yourself like a baby. you're 22 you're fine you're four years. into adulthood stop trying to treat. yourself like a child that annoys the. out of me like yeah I know it's not. fully developed and you probably have. like 2% to go that doesn't mean it's. just like it's not like taking the pill. from that movie with you know whatever.

where he unlocks his brain Limitless. it's not that so what okay yeah so I. mean I don't think that's why you're in. debt I I it's hard to explain so I don't. really know why I'd imagine it's. somewhat lifestyle inflation I think. it's also a big part is like you know I. was watching a bunch of financial. YouTubers when I was younger they're. like get credit cards build credit oh. well yeah I mean that's usually good. advice it's usually good advice you do. it disciplined yeah I was doing it. disciplined but then it kind of got. crazy cuz I started making cuz you're. only 22 um probably it's not like you.

had a ton of time to do this yeah um. probably like when I was like 21 maybe. last year a year ago yeah a year ago it. got really bad okay yeah so okay I guess. we can when when we dive into it maybe. so you're blaming on watching those. financial YouTubers no I wouldn't say. that but I I do think like having unlike. fettered access to like all of these. like lines of credit and like why aren't. you managing it correctly why did you. manage it correctly for 3 years and then. not I did manage it correctly um but. like you know I have some I have some.

expensive taste and hobbies and you okay. your next a little red right here yeah. yeah so I don't know I was on vacation. in like Miami and then I got this don't. know what's going on there we all going. to get grades in here or something. what's I hope. not okay I think you'll be fine just. don't touch the neck all right y we're. not neck touching all right so okay. again why were you so disciplined and. then we went to undisciplined yeah so I. had like all these lines of credit and. then I have like relatively expensive. Hobbies so it was one of those things.

where I was making a decent amount of. money where I was like oh I'm basically. the way I kind of rationalized it was. I'm borrowing for my future yourself. where it's like I can maybe buy. something I can't technically afford but. by next month I'll pay it off okay which. obviously becomes just an unsustainable. path because next month you want. something and then it just compounds on. that or you pay for that instead of. paying off what you already got yep. that's exactly pretty much dude you seem. relatively. reasonable I'm relatively reasonable but. I have some I don't purchas understand.

why this is an issue you this sometimes. I deal with these situations you sound. okay you sound like you know what's. happening in your life then why the is. it happening why not stop why not budget. why not be an adult it's difficult right. cuz like I'm I'm so young and I'm making. a decent amount who cares and I can just. spend it on like anything and you can. spend it on anything at any age yeah. money coming in you again that's not. something that unlocks 25 years old oh. I'm not spending my money anymore I'm. 25 that's a behavior throughout life. come on the vast majority of the people.

that come on the show you know maybe. they're in their 30s or 40s or 50s when. they come on and they're still spending. the dumb money don't think that just. because you're young that makes it the. reason why if you if the reason if. you're doing it now likely your behavior. is going to continue it's not just cuz. you're young that's what I'm hoping we. can solve right now on this show sure. but why haven't you cuz you know what. you do I speaking reasonably I I I don't. know why I keep doing it like I probably. should pay off all my stuff and I should. save um but I don't I just spend it on.

dumb like I've spent so much money this. week alone yeah but you get that so why. not make a budget see what the dumb was. and then not do it because I just know. I'm going to make more money next month. or the same okay okay how much you think. came in from this most recent month this. most recent this most recent month y. came in we had payroll and then likely. commission y so how much probably. anywhere between 8,500 and 105 I think. uh closer to about 10 okay how much do.

you think you spent oh um how much I. spent I'm going to say. 78 87 oh unlike most people that come on. you didn't spend at what you make you. didn't spend more than what you made you. spent less than you made yet on here are. a lot of credit card balance increases. but then a couple credit cards that were. also paid off yeah so I'm confused. there's like a a couple cards I think if.

I'm not mistaken two cards in here that. look like maybe managed correctly Y and. then three cards that are stupid so why. I don't get it why be okay on some and. then ruin the rest it really doesn't. work yeah so like for me like I know. like I got like paid off but I can't. like it's maybe it's I don't know so the. way I look at it is like if I can't pay. it off in full like at once it's just. like I'll just like defer it later or. I'll make like progress interest yes I I.

know but you know again here's just. another thing you know so yeah I I think. it's just you know I like to keep like. let's say kind of those two cards like. free and then like I'll make payments. for the other ones but then maybe I'll. use them for certain things because I. have like let's say like certain like. benefits right like in terms of percent. back on like flights Etc food um but. yeah it's it's one of those things where. it's like I basically really up with. like the Apple card um and technically. the Chase card where it's like I spent. all of this money and I'll pay it off. later and now it's like that just come. like the default like oh pay it off.

later and I just keep pushing it back. and I just pay off like the minimum and. then some and then I crew more but you. know this guys this is this is what's. you know you're talking logically you. know your situation most people that. come on the show don't know the. situation and I go through and explain. how bad it is and I make sure I give. them a level of like freak out that well. defines how bad it is because they don't. think it's that bad you just explained. your situation you know where you are. and you're not an IDI you know what it.

takes to get out of it so I really don't. understand why the we're talking and. you're not just being an adult I really. don't and you're probably going to say. well because I like spending and I can't. stop and I can't figure it out but you. can because you've already explained it. multiple times so I'm more confused than. you so I think the biggest issue Maybe. Maybe I'm Wrong is I don't know how bad. it can get right and like right now how. bad it can get yeah so like right now. like that's not this is like sustainable. um and it's just like I I really. actually don't know where the the. money's going U like I have ideas of.

like okay like oh yeah I bought a TV. right like that was like a grand so I. know where that went but it's like why. the did I do that and it's also like why. don't you budget how about that why. don't you budget uh okay why I don't. budget is because I I don't I'm not GNA. say I don't know but why I don't budget. is I know I'm going to get money coming. in so as long as like I keep getting. money coming in I can just keep like. constantly roll enti life is the Kick. the Can down the road that's that's just. what you are yep it does it does seem. like that I like it not to be that.

anymore because I like to get money in. my bank account and not have it. disappear in front of me over the course. of a month like I got paid like uh some. of decent amount of money disapp there. it is again this is I I don't know what. I'm doing with right now this is you. want that I would but I for some reason. I can't get don't do it not for some. reason you know if you budgeted you. would what do you mean for some reason. you're some reason you know the reason. you know your solution but you're not. and then you immediately try to blame. well my fr the love's not fully.

developed yeah I I I think it's just. habitual at this point um which is why. like maybe I don't know how like the. best way to go about paying things off. is and that's kind of where I'm at it. also could be a situation where like. let's say I know I'm going to have money. coming in but like what the happens when. I don't um so yeah that's that's kind of. where I'm at and you know I I know I. spend money on like things that I I. shouldn't but like why um so that's. that's kind of where where things are. okay Sher run if you're seeing this. episode cuz your cousin's on it right.

now I promise I'm not that mean I want. to meet you someday I'm your biggest fan. please avoid him why hey why you seem. lovely your sister's your what your. cousin's a chapel he doesn't want me to. meet you but I want to meet you don't. listen to him he's a someone who knows. his finances but yeah is still stupid. with them for some reason it doesn't. really make any sense I'm a little. confused where do you think you are in. the world of finances 0 to 10 Z being. the absolute worst 10 being the absolute. best oh probably like a two or three.

okay yep okay if you want your Hammer. Financial score it's free Link in the. description below if you want to if you. want to come on the show come on the. show Caleb pam.com apply we'd be happy. to see everyone's application and the. application's been much more streamlined. super easy so just check it out and. we'll have you down in Austin Texas I. want to give you free money right now I. partnered with different resources that. will literally give you hundreds of. dollars the moment you sign up for them. check out my investing app of choice. Mumu where they give you up to 15 free.

stocks and 8.1% interest on your. uninvested cash when you sign up with my. link do you want a more traditional. savings account check out where I keep. my emergency fund Sofi where they'll. give you 4.5% on your money and up to. $300 would you rather have automated. investing sign up for acorns with my. link and you'll get $20 right now. instead of the usual $5 you'd get from. your friends referral you can also sign. up for our investing program and get. $100 in cash deposited into your Mumu. account this is the the best way to. learn what your investing profile looks.

like and what investing strategies to. use based on that all of this free money. is linked in the resources section in. the description below so don't pass up. the free money cuz I'll punch you all. right Chase. Inc yep what no I we can get into it. it's gonna get it's gonna get rough I. think so why okay so at one point I ran. my own agency before working at the one. I have um okay okay okay so in order to.

do that I had to pay editors I did like. a done for you service um and I just. aced a massive balance because I was. paying everything on credit I was. getting the chase points and then I use. those for flights and things like that. no no no no sure but what about the. incom coming in might not pay it off. because I want to pay off the consumer. because this tied to my business not my. personal so it makes more sense when did. you have this when did you have this. agency that you owned uh last year maybe. two years how long have you been with. this company this company I've been with. this company that I work with now for. how much how much were you making at. your agency uh around the same maybe a.

little bit less less and then how much. are you spending uh probably more you. said you could make double what you're. making now if you weren't working for. this current agency but is that true. because when you did this on your own. you weren't so different offer when I. did it on my own I had a done for you. service so I was doing everything from. like all all processes so I had editors. I had thumbnail designers Etc so I had. to pay those guys and those guys are. relatively expensive which eats into. kind of like my income um so like I was. making probably more but I was taking. home less so the company was making more. Revenue but not in terms of profit okay.

so I make more now for sure like my take. more so you had Consumer Debt at that. time um no I did not then this doesn't. make any sense CU I just said the money. that you bring in from that company. after you paid past on your uh employees. that were already doing things or. whatever you were paying this on you. said you put the business expense. essentially on this with the money that. comes in why didn't you pay off the card. then you said well because I'm. prioritizing Consumer Debt no you're not. I'm talking about back then back then. you had the money coming in yes so I did. but here's what happened um the way I. had it structured is in order to get.

certain editors and certain things um. what I had to do is I had to get them. from other people they were working with. other let's say creators and agencies. and I needed them on my own so what I. did is I offered them more money. guaranteed right so I'd be like hey I. will pay for you three months even if. you have no work if I can't get you any. work I'll pay that yes why would you do. this because I needed the talent and. that time I had some really good talent. um and then what end up happening is. unfortunately things fell apart with one. of my clients that client had referred. me three or four clients himself so. really really useful in that case but. because things fell through with that. client and all his in an unsustainable. risky situation for no reason all of his.

friends left with him um and I still had. to pay all these the only time you ever. do something like that is if you at. least have a year emergency fund to fund. the business cuz you can't it can't be a. month-to Monon thing I mean it can be. it's just incredibly risky and then we. say what happens when that risk happens. and your risk happened Revenue went away. and you owed the bills but you had no. Revenue you so you only had that one. client no so that one client referred to. me three or four of his friends yeah so. you only had his little package his. group yes so why why didn't you have. anyone else so I did had Financial guys.

that were like getting into YouTube and. Gamers the issue with Gamers is like. they were paying like $500 a month like. but that was like really like low lift. it was very easy for me to do and that. was like essentially pocket change it. was definitely not enough to cover like. okay how much were you paying them uh. the editors yeah yeah the editors are. getting paid roughly around $3,000 a. month okay gosh I wish mine. did that sounds overseas Talent nice but. overseas drawback okay yes yeah. absolutely but how many so I had two so. that was like roughly $66,000 a month.

and then I had two th designers and. those were about $1,500 $1,500 a month a. piece um but I would kind of alternate. those those guys weren't on the you. couldn't find a way to get 8,000 hours a. month with your business that you said. was making just as much as your current. job yeah so I I was but once all those. guys left no I know but why weren't you. like you scrambled to replace at that. point yes I did and now even if that. leaves you to a month of Badness where. you put it on card okay so the main. issue is when he left like I was really. targeting on those guys they were. e-commerce guys not drop shifting but.

like high leverage e-commerce guys with. like big Brands who wanted to get into. the YouTube space um it basically became. like very unsustainable for me to reach. out to those individuals oh if I worked. with like XYZ so and so they could ask. so and so um and then so and so would be. like oh like this guy up Wesley up did. you I okay I did that's why they left. because you did Bad Business I did. because the editors I hired did fell. through that's my why would you have. those why would you want to be keeping. those editors run and pay then it was. not issue up until it was an issue one.

time and that one time everything it was. like a it was like a really bad okay. like two weeks late like so that had you. put money on this card yeah so I I I. would pay is that when the money is that. when the business went under and then. you went to your job um so there was. like a three or four month period of. time where I I basically had to live on. credit cards a lot um unfortunately just. because I had no savings cuz I I was. running the business I was like spending. everything I made okay my question then. would be if this is a card we want to. pay off why are we possibly purchasing. $293 198 um that is probably some stuff.

that is related to what I do now that I. just put on CU but why this is a card. that's acre $100 in interest plus fees. on a monthly basis oh I didn't know was. acre fees I just knew it would be like. acre interest I had no why would you be. okay with the acre interest part anyway. why would you want like a 30% debt on. the things you're purchasing of your. business the credit card points are. probably like 1 2 3 4 5% Max you're not. getting any benefit from this so what's. the point you're making enough money pay. from your chicken account I I I should.

uh it's just one of those things where I. I prioritize the ones that are. personally tied to me because this one's. tied to my business so it's in my head. like probably less detrimental if like I. I fail to pay I won't fail to pay I can. keep the minimum up but in how's your. business Incorporated um so I work with. a business it's not my business it is my. B you said this is tied to your business. or it's tied to their business so this. is tied to me personally and my business. I get paid through my business and I pay. myself out yeah what's your business LLC. yes it's an LLC okay okay. but I just don't understand if you're.

trying to make progress in general I. understand maybe prioritizing the ones. uh that you're defining as Consumer Debt. versus this business that okay but why. put more money on here that's different. that's still different than prioritizing. yeah so I I generally use this to like. things that are like personal business. stuff right so like there's like. masterminding sure but why put it on a. car that's creu. interest I don't know uh that's just how. I I have it rationalized in my head. Chapel I won't yellow you if you contact. me.

um it's how you rationalize it in your. head but it's costing your business more. money why pay a $100 a month fee. essentially is how we can no no no is. how we can look at it just to have this. just to have this the benefit of having. this $100 a month would you do that for. anything else no Jim you do like 47 or. something I'm going to do $100 a month. to have access to this I I probably. would depending on like what it is I. would 100% pay like a lot of money per. month for certain access to things. certain access certain things yes but.

something that provides a benefit like. this. no yeah the benefit of this is you're. getting what 2 three. 4% yeah so no you. wouldn't not this if it's something that. gave you 50% sure you'd spend 30% that. that's a good point but this isn't I I. didn't realize it was like it was it. that that's how it was like spending. $100 me do you not look at your accounts. ever again you seem pretty damn. reasonable I don't really look at my. accounts ever I just kind of like why. man I what what does what does it look.

like on a monthly basis like I I know. you explained it that we kind of have an. answer of uh because money I know. money's coming in next month so I can. just keep going but why don't you why. have you never taken the time to just. look even just like look open the app so. like I'll open the app and I'll I'll. look I'm like okay so like this is my. balance and I'm like okay so if this is. my balance I do like the quick like. napkin math in my head like I'm getting. this much so like I'll pay it off but. maybe I can like keep going you're not. so the napkin is not working it works. for something you put $500 towards it. but it's only gone down like 150 bucks.

yep so it's not working it is napkin is. not [ __ ] napkin not napking in. no. now outside of the reason that you have. already provided where you know money's. coming in. so that's why I don't look is there a. reason you haven't sat down a made a. budget though because even when you ran. your business did you make a budget for. your business I I had that okay so why. not for yourself um it's just one of. those things where it's like the way I.

look at it is like if I go like more in. debt maybe I'll work harder and make. more money and then I'll just pay. everything off right I'll just like. force myself to make more money and if I. have a budget like I feel like that. won't be that like that won't be the. case right I feel like I won't have that. drive to like work harder because then. it's like okay well if I just pay this. every single month and like I'll pay. this off eventually really you don't. have a drive for wealth your only driver. is to potentially get out of a bad. situation you're only you're only. fear-based negative reinforcement you. don't have positive reinforcement um. well positive reinforcement is good as. well I like positive there's there's. less of a fear around here I hope you.

tell me of being like fired for up but. more of like I we like to have different. bonus structures where people make money. if videos perform well if this happens. if this happens you know I like the. positive reinforcement and that you know. seems to have worked pretty well well. why scare yourself you're not Building. Wealth yep do I have a retirement. account in here I don't remember seeing. one no I do not so what the are you. doing you're already giving up the best. decade of your life for compound growth. you're not halfway through yet but the. amount of money at your income scale. that you could have by the time you of.

retirement age would be not even that by. retirement age would be substantial. substantial substantial I'm gonna open. this I'm gonna open up my investing app. Mumu I like them let's just I'm just. going to Pro you could put okay what so. wa $24,000 you could put $24,000 if. we're putting 20% away you could put. $24,000 and in there for at least 3. months their in their thing when you. sign up is you get like 8.5% on your.

money uninvested you would have that if. you were just setting 20% aside but. instead you're spending money on a. credit card that is a GRU interest that. is taken away 30% it doesn't make any. sense at all and then let's put say we. put it in the S&P 500 instead it. compounds it compounds let's just. pretend you're 120,000 for the rest of. the year or for the rest of your life. rest of your life forever. right okay so that's $24,000 we're. starting with. zero Z but we're putting in 20,000 uh.

$24,000 a year let's call a conser more. conservative uh. 8% 8% return in the stock market because. that's the overall stock market even if. S&P is five 500 is more like 10 huh. something like vo yeah it's closer to. 10% but just overall stock market. history okay okay let's call let's call. it 60 you're trying to get the 60 you're. 22 years old so you have 38 years you're. doing that every single year that's. compounding contributing once a year. almost 5 and a half million bucks but.

pretty good yeah it's pretty good if. you're. doing there's no point if you're not. doing it every year you put that off. look I I literally just take one year. off of that damn it why do I have to. close apps why am I an idiot who closes. apps I'm a piece of. sh I take it from 38. years down to uh so you went from 5.2. million 38 years and I didn't it down a.

year and you lose almost a half a. million dollar re sorry I moved to yeah. yeah yeah yeah yeah yeah because this is. the time of compound you have so much. more time now between here and. retirement to actually compound your. money but you're not you're not because. you would just rather put more money on. a card we have the investors's kitchen. yep that's necessary for your business. yes I would say so what what is it so it. is a mastermind group uh with like kind.

of like you're the Mastermind you're so. is this an endless circle jerk of. masterminds everyone subscribed to the. next Mastermind uh no so this is people. subscribe to you you subscribe to them. there like not not really let's less. jerking hand motions more handshake um. yeah so this is like a from like a let's. say a contrarian guy in my space and I. find it really useful because he has. like a really lot of like deep deep deep. data that he kind of like and you give. him a lot of deep deep deep money yeah I. do um cuz the data is really useful for. me and it also helps cuz I'm part of his.

community I can see what other people. why is it your business paying for this. then um they probably could ask I could. ask dude you're spending money you don't. have that's the thing boss man if you. see this can you cover that huh I'm. asking the boss man if you watch is he. watching oh I hope so x.com you pay 20. bucks a month yeah so that's a premium. subscription for X that's how much it. costs yeah it helps boost my like tweet. and whatnot I know what it does I just. can't believe it's 20 bucks Loom isn't. that what's Loom so Loom is I can just. press a button and I can record like a. meeting so instead of doing meetings I.

can do async so I can record like hey. what's up guys can you please do this. and this and this and this task and then. I send it to them and they do it um and. it just it works way better because I. can show visuals huh this is huge for. financial audit for a year now my team. and I have worked with experts to create. what I truly believe are the three best. educational programs in the financial. space online we have our budgeting. program where I teach you how to create. manage and revolutionize your budget and. control your money and then there's the. investing program where I teach you to. Define what investing profile applies to.

you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary. project that we've been working on for. over a year now and just like over. 10,000 people who've already taken our. educational programs you can now take. advantage of all three of them but. bundled together at a 25% discount I've.

heard from thousands of people now. who've taken these classes and they've. literally changed their lives for the. better and finally you can too at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this so so you can show visuals Yeah so. basically I'm recording a video for them. so they can watch it and have an. understanding of what to do and why to. do it so it's useful for feedback screen. record and email yeah that's just pain. this is one button and I can just screen. record is two buttons yeah this is one.

button and then I I just click Send and. then it sends into them and then it also. just lives there it's it's way more. convenient okay okay tweet Hunter yeah. so that's where I can 50 bucks a month. yeah so that's where I can schedule. tweets and I can also track certain. accounts that make tweets so I can 50. bucks a month though yeah but it makes. me far more on the back end probably I. hope so but you're not really paying off. this card so if it was doing if it was. making more technically' be making more. progress on this card. put you're just putting no you're not.

there's there's a couple cars that you. leave kind of Net Zero because you spend. and then you pay them off you're not. making the progress on the other ones. that are existing then PayPal you send. out money and then epidemic sounds yeah. that makes sense for that but again 89. bucks of interest $620 of Interest this. year so far and $51 of fees what was the. fee that happened this year uh there's a. probably good chance that I might have. just completely forgot to pay something. um. why why is it not on auto for sake just.

for safety purposes it's not on auto cuz. I I prefer doing it manually um well. it's not working so I don't give what. you prefer didn't work one time one time. no no no because again no because again. this month was $2.3 but this year has. been $51 oh damn oh damn yeah so no yeah. the numbers that I said 30 seconds ago. yeah they're they're still true yeah um. I guess I I could put it on auto. yeah for the like yeah I could then do.

it do it I I can do it right now I'll do. it after this episode it's like the most. basic thing you could do out of the gate. guy well your fee was actually a foreign. transaction fee oh and you might just be. rcking that up. constantly I I don't know which one's. foreign oh that might be Investor's. kitchen that's out of France so really. just paying an extra like 51 bucks a. year on that yeah it's useful for the. knowledge get it uh there are I mean I'm. not against uh investing in continued.

knowledge I mean I always tell people. that course careers is good for like. different certifications and you can. take free courses and just there's lots. of good stuff there I recommend it just. like I might recommend this for you but. I get a little nervous when I start. seeing a lot of different subscriptions. for a lot of different things that are. meant to increase knowledge because a. lot of people oversaturate themselves. with stuff they'll never use and. knowledge they don't use and not only. that there's also the other alternative. you know I've worked with people like. this in every single company where they. have all the self help St they have all. this stuff and they literally always.

focus on consuming that and learning. that instead of ever putting actual. action into the difference for this is. like this is like 100% related to what I. do with YouTube so it's incredibly. useful and I go through it like. consistently sure and I could go through. like 10,000 YouTube classes but unless. I'm putting the action into it that's. all I'm saying so I'm not necessarily. against that but when I start seeing all. these different ones start combining. together that starts making me a little. nervous that's it just a little nervous. but it's. that's not me saying I'm against that I.

am against that putting on that card. because you're not paying off that card. and it's occurring $100 in interest a. month which is a stupid fee to pay to be. able to pay for your different. subscriptions yeah that do you guys pay. $100 a month just so you can pay for. subscriptions have the privilege of. paying for subscriptions that's what. you're doing I didn't realize was that. bad thought I thought it was like a over. the course of the year it was like $100. I didn't know it was like I was paying. that almost 600 this year so far wow wow. yeah that's wow kind.

of yeah no it's very that's like a month. of rent at at this I would just rather. you use like something like a Fizz card. man it's geared for your age anyway but. a deit card that builds builds rewards. and builds credit I again I don't know. you're just you're not man you're not a. credit card person you're not managing a. credit card you're spending on a card. that's SC just doesn't make any sense. doesn't make any sense okay Apple card. why do we have an apple card cuz there. just so much money it is your balance is. insane on this yeah sry before before.

you say it for the audience sake you owe. 7,000. $17.50 with a minimum minimum monthly. payment of. $447 kill me now I'm glad you make money. cuz good D um yeah so uh I got the Apple. card CU I I can't remember I was. watching like a bunch of financial. YouTubers I have like an iPhone um and I. was like they're like oh get the Apple. card I'm like Okay cool so I did that. and like I had like start off like a. like let's say like a low balance maybe. like uh or amount um and it was like.

maybe $2,000 um and then I I never. reached it I always pay it off and then. as things like got like more and like. more and more so I was able to like a. $5,000 balance or like or amount right. line of credit and then a $7,000 line of. credit right so I would end up like. buying things like I bought this listen. I'll just cut you off you are not a. credit card person you cannot be trusted. with credit cards because if a balance. increasing or the available uh spending. balance increas means you spend more. money then you are not not someone that.

can manage credit cards cuz when I see. my ability to spend go up I'm like yay. my credit score just went up because my. availability of credit just went up and. I'm excited this is great someone thinks. I'm. good you just use it you're using it the. wrong way you're using it against every. single teaching that you saw on the. financial YouTube space when you started. watching y I'm guessing Graham was one. of them yep Graham Andre and he wouldn't. advise what you did neither would Andre. I I haven't really seen his stuff as.

much but he wouldn't advise that he. wouldn't advise that all the others out. there and even the aest space like. remita RN or or just any of them I don't. know Dave Ramsey not a single person. would. advise so you talk about you watch them. how' you go from watching. them. to no to the your available spending. going up to you just using that spending. yeah so uh it it's all lifestyle so like. you know when I had like you know I know.

but you had the education so why are you. wearing two watches uh oh so who's ever. worn two watches well hold on so I've. got this one for my health much like you. do probably that's stupid you got the. like $500 million one you didn't need. that for your health you could have got. the simple one uh I like Tech uh and I. there's another excuse okay it's not. just for health yeah um well it's nice. it's nice to have this yeah but you. don't need the big one you don't need. the one for hikers well yeah so I had I. had you haven't outside a day in your. life well I mean so do you but cuz I.

that's why I have a normal one okay well. I had a normal one and I was going to. the gym relatively frequently and then. it broke and then I I also stopped going. to the gym um but I got this one when I. was going to the gym relatively. frequently um because I didn't need it. to break in the sa it it has a higher. heat rating um and also I can I can wear. the sauna yeah dude SAA is awesome up. you don't need to wear a watch and a. damn fun sauna yeah but it's just more. convenient to wear it I can track my. heart rate and I can be like okay that's. worth going into that okay and then you. have to wear the other watch cuz the. other one doesn't tell time uh well this. one tell time I I I just wear this one.

cuz it's more of an art piece for me. uh-huh how much is that so this cost. 2500 oh goodu Y which is this is this is. one this is one of the watches by the. way I have like $10,000 in watches in. total oh yeah are they at least holding. their value yes most of them hold like. roughly like 70 to sell them sell them. why not get our of debt are you are are. they gaining. uh are. $465 of them gaining 30 % a year no so I. I've thought about it I've thought about.

it but I can't I thought about it for. you right now do it uh no uh because. there the way I look at them is Art. right I'm not using them as like velin. Goods where like yeah you're 22 I don't. give I don't give they're art shut the. what yeah 100% they art I I I I love. them I love like wearing them I like. their intricacies is like I know a bunch. of watch that's great that's great we. all get to do the things we enjoy this. is a hobby this is you know the artist. type stuff we all get to do that when. we're in a financially healthy place. you're not and if that was your. Investments for the future I'd say one.

that's dumb that's not any. diversification I think that's an okay. fun little extra investment to have but. if that's your entire portfolio it be. silly right now by the way it is your. entire portfolio fun fact but either. either way either way that is not what. someone does when they have 30% interest. on their debt yeah so I'm not going to. sell them because at the time when I. bought all these like they weren't like. they I had cash like it wasn't like debt. and I I don't want to sell them now like. I everyone has like a story to tell and. like maybe you don't get it cuz you're. not into watches but like I'm sure some. of the members I'm into money and your. money sucks I'm into improving your life.

and your life sucks it's actually pretty. good outside of the debt um yeah but it. holds you back from so many things that. you don't understand yet you haven't. been in the process of trying to buy a. house yet you haven't been in the. process of trying to retire yet you. haven't been in the process of trying to. leverage your uh financial situation for. anything beneficial you're just bringing. in some cash flow you don't understand. the use of wealth or anything yet or any. kind of investment you don't know what. you're talking about yes so it that is. all true and it does suck I I have to. move out in January so I actually do.

need to P my credit and pay stuff off. what do you mean you have to move out. from what you live with your mom no no. so no that'd be nice though a big house. um no she has a big no you're her cousin. we can't say that that's I'm sorry n. you're you're all good you're all good. um the green outfit. though um yeah so I live with some. friends in San Antonio uh we rent out a. house um but that house is being sold um. sometime early next year so they want us. out by January 31st which is cool if. you're a Booty like me you'll want to. keep listening picture this you want.

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at yeah I'm looking at either Austin or. no that's not the cheaper major city. that's the expensive major city or an. even expensive city. Miami oh yeah okay um any particular. reason why yeah so I have a lot of. clients in Miami so it's good to have. that inperson relationship and in. addition to that my family is in South. Florida so my mom and dad are an hour. away um and longterm wait why are you. here then why are you in San Antonio so. I moved out here uh in 2021 cuz it was. was like my roommates were like hey like. or my friends at the time were like hey.

we need an additional roommate would you. like to fill that spot and at the time I. was a twitch streamer um and like did. the consulting stuff and I was like how. much did you ever make off a to what was. your highest earning month my highest. earning month was 5,300 and people pay. you to advise them um on YouTube yes. what was your highest earning month on. YouTube uh personally don't lie okay. personally my highest earning month not. a lot why would people trust you because. I'm really good at what I do um it's. less about it's less about like okay so. some people are better at doing things. and some people are better at coaching. I'm much better at coaching I can do how.

do you know what to coach that you. couldn't do yourself though okay so. doing myself I really hate doing it. myself um I could okay well that's. relatively reasonable what do you hate. about it um the like project management. so like let's say if I do it myself I. have to have like editors Etc things. like that script writers so managing all. those different pieces I don't enjoy do. for every YouTube not not every YouTube. channel has that gaming channels don't. necessarily need that the gaming. channels I work with and the scale I. work with do sure but you could do. something that doesn't require scripting. and edit are obviously great to use but.

yeah um at that point Comes A Time thing. and also there is some level of like. investment you do get a return so like. if I did do it myself I do run a channel. it makes me $1,000 a month in roughly. passive income and I have to spit that. with my partner um but like yeah that's. like a massively successful Channel like. we average business partner or like did. dle partner no not d d partner business. partner uh so so you're not moving in. into a place with a significant other no. absolutely so this is going to be all on. you yeah all on me okay okay. um Ian I'm okay with it I mean like you.

know one of the reasons why I felt. comfortable making our budgeting class. our investing class and our debt class. they actually are really good you get. them for free fun fact but oh let's go I. love free stuff yeah free stuff is good. um but the reason why I felt good about. doing that is because I've paid off my. debt I love working with experts and. gaining their knowledge and bringing. their knowledge into our programs I love. budgeting it's fun to figure out so I. love teaching the skills around that and. I've built a very successful invest. portfolio and I love teaching about that. and like how to determine investing.

profiles and what to invest in based on. that I like that but I was successful at. that stuff you weren't successful at. that stuff that's not necessarily true I. did work on a channel originally so I. was hired through thumbnail guy and then. you know the guy who ran the channel was. like Hey you know would you like to do. like some strategy stuff and I'm like. sure so I've sh some what stuff some. strategy stuff strategy okay yes he's. like hey like can you come up with ideas. for videos and I did so I took that. channel from 70,000 subscribers to like. 240 I think okay I want to pause on that. though because this sounds like the. classic resume thing that we all do and.

this is not a bad thing we all work at a. company the company does something. successful and then on our resume we. said we brought it from this to that. yeah it's like realistically in your. mind please be honest how much of that. was legitimately 100% you me all of it I. I have full documentation of everything. I've done I'm taking word on it I'm. taking it word um and then you know I've. got like a YT jobs portfolio that has. all my work what did you do what did you. do yeah so um we had a roster of. creators first and foremost I did. ideation so I figured out what ideas. made the most amount of sense and then I.

then gave those to the like those. creators then I looked at and figured. out what thumbnails were working the. best in the space with our direct. competitors and indirect competitors why. couldn't they do that that's so simple. it they don't have time to do it like so. that guy that I was working with like. he's a father he has two kids and he's. like running like the other side of the. business so the YouTube thing was like. an auxil thing yeah yeah he's more just. uh exporting a job yeah yes exactly. which is fine that's normal and that's. where I cut my teeth and then I ended up. working with all the creators that we. worked with so we would hire creators to. work at this business so we'd pay them a.

flat rate and they would do videos for. us but it would be our video ideas our. packaging uh and then eventually like. you know that was relatively successful. and then they also learned a lot so I. was also working with those guys as well. so I was working on that business and I. work with like seven creators at one. time so I was basically working with. eight creators at once when I was like. 17 18 and you learn a lot really fast. okay yeah we got we got srack that's. okay this seven that's good that's good. to know though that's good to know for. the future of your career in general so. this card in General because you just. got a higher limit to spend on you just. started spending more yeah um it was one.

of those things where it was like you. know you know flying economy and I'm. like oh or or like business it's like I. I can fly business now and then I would. and then I'm like I probably shouldn't. have done that but I'm like but I I like. doing I don't do it anymore I fly. economy I fly the cheapest seats now. okay okay I I i' I've scaled back on. that I'm also short so it kind of works. out how tall are you like 5 six I'm like. a manlet oh no we call them short Kings. Oh short Kings you get it I I respect. that yeah I have I have like a uh Puerto.

Rican [ __ ] that works for me nice. vertically. challenged yeah he's known around here. as the Puerto Rican dump truck though. for those of you in the uh YouTube. membership uh for our channel members. yeah okay so let's see okay all right. so you say you stopped now you're flying. cheapest and no it wasn't necessarily. the flying that got you there BR. regardless that isn't. what this up anyway because the balance. was.

6,813 sorry 6,471 it is gone up by $600. so you scaled back the flying woo no. more post uh flying Clarity on your. receipt purchase great I'm thrilled. you're still spending increasing it by. $600. so yeah that's uh door Dash things like. that uh for sake why so I work from home. um what is Twitch enter oh so that's.

twitch um that's like streaming is that. you donating no uh it's I'm like sub to. a few creators it's just good for. relationships things like that yeah but. it's like every it's you have 1 two. three four five 6 seven and by the way. by the way little reminder on those. seven reminder your balance is going up. you're not paying them down and you're. acre interest on these and they're your. life and you don't have anything in. Investments and you're going to die in. poverty so I hope I don't die in poverty. it terrible on this track because you. could make dude there are people that. make over six figures all you all their.

life and guess what they still die with. absolutely insecure in retirement. because they just blow their money every. year they live the high life especially. if you go to Miami I really see you. blowing the High Life constantly going. to love it there yeah you're going to. love it and then you won't be able to. retire again so that's not a overe. exaggeration it's simplifying your life. down really quickly but that's not an. overe exaggeration of where you couldn't. be so why is paying those twitch really. worth it over that now you're standard. for the real I'll let you I'll let you. talk in a second you're saying it's. three relationships I I can justify that.

but then the money that comes in from. those relationships pay off this card. instead of the card going up. only yes 100% agree but however hear me. out I I pay off the other cards right so. I have like the Discover card and like I. think the Cal one card yes but it. doesn't matter why have all this if. you're not paying off all cards you. shouldn't have any debt you shouldn't be. this you're bet you're not a credit. person I I know I it doesn't matter if. you're paying off One debt but you're. leaving others yep the thing is like I. try to pay it off like in chunks right. so like you're not I know but I pay it.

off and then it gets more it's back it. comes back so there's no point of paying. it off in chunks you really just uh. decided to Bubble Up all the months you. would have paid for it and then you put. it towards and then you just spend it up. again so it's you're really changing. nothing yeah it's kind of like it's kind. like a wheel yes so I don't get what. you're talking about I don't get your. logic here man it's not working it's not. it's not good so why follow the logic. why continue to use the logic if it's. obviously not working cuz you no no no. no cuz you knew coming in here here that. your logic was broken right that's the. thing I don't think it really is that.

broken but it is you have debt that is. awing interest is that not bad that is. bad then if that is continuing and never. stopping and only getting worse then how. is the logic not broken please how would. it not be broken give me any logical. reason how it would not be broken I. don't I don't think I I really can it's. kind of like the way I compartmentalize. if you can't think of a reason why it's. not broken then that has to mean it's. broken yes okay. so change it man when something is not.

working in life you change it if your if. your doctor talks to you and says you're. going to have a heart attack if you. don't change your life you don't just. continue down the logic if you can eat. whatever the you want and not move it. all you have to change. it yeah the that's what the thing is. though where it's just like right now. like Yeah The Debt sucks and I want to. get rid of it because like it would be. nice to have an investment portfol you. want to get rid more than you want to do. all this other stuff though or else you. do it yeah that that that seems to be.

the the major issue yeah yeah yeah yeah. so what's going to make you want to get. out of debt more uh well first of all. like CU I don't think I think I really. uh there are things like I know I made. fun of you for the FR blah blah blah but. there are some things of real world when. you're younger sometimes there's a lot. of hubris that comes with it sometimes. there's a lot of just like oh these are. conse there's no consequences yeah I'll. deal with it in the future so there is.

some of that and I think for you it's. like retirement is not on your mind cuz. it's so far away it doesn't matter but. you don't understand that retirement is. now because you can get your retirement. taken care of really if you really. wanted to I'm not advising this because. it means living no life in your 20s but. you could set yourself up for a complete. success if you invested like 75% of your. money throughout your 20s you would. never have to invest again and then. you'd be uh be able to retire easily in. your that's the thing so and I think. Maybe it stems from this so a friend I. work with him on YouTube and he's I. think onpay per millionaire like he owns.

his own house he has I think $350,000 in. stocks mostly between Tesla Nvidia and. things like that wor okay millionaire y. um and like has like a full card paay. off and for him like you know he lives. life and he doesn't really work much. like he just like sell stocks when he. has to and then like he'll buy some. stuff back um and I like that but and. and the thing is like you know he. doesn't really like live life I'm sure. he's happy but like I enjoy living life. I'm not saying get to that point but. you're not even contributing. 1% I was just literally advising not to. do this thing that I said you could do.

yeah I'm saying you're in a position. where if you really wanted to you could. go crazy and then you're retirement. would be set up but I'm just using that. example saying of how strong of a. position you're in if you're just. contributing 20% and how strong time is. but if you just contribute 20% now. you're going to retire multi multi. multi-millionaire and that really. doesn't take much life away from you. also feel like this was a pretty damn. feel like you have to sometimes spend. more than you make girls you would not. be in all this credit card yeah I think. I I think I do um I know I didn't last.

month but potentially in August I did um. where it's just like you just I just run. it all the way up and I just like just. like I can party I can do whatever and I. just like put everything are you a big. partyer no not really it's more like cuz. Miami can get really expensive that. lifestyle not partying like clubbing but. it's more like I like going to like very. highend bars I like highend things right. so I have like relatively highend. clothing everything is. fun well that would be nice right um no. but it's like the the jewelry I buy like. the like the the clothes I buy you don't. need.

that young scrapp is okay young scrapp. is okay man set yourself up I'm not. saying don't live but you don't need to. live the $300 a year lifestyle 120 yeah. that's that is that is the issue um. which is what I try to do you would. stop but again you know it but you like. it more I I do like it a lot you're. addicted to it man you got that. yeah and then there's Chick-fil-A and. apple bill in here some Habachi another.

Apple Bill another Apple what are all. these you're like getting subscriptions. or in at purchases and then an apple. Bill Apple Bill what are all these more. Apple bills what are they um I think the. Apple bills are me no so that's going to. be maybe that is purchased with door. Dash um oh things like that and I do. have like let's say they are in the door. Dash price range so yeah I think that's. what it's going to be um and just Apple. Apple. pay why would you do that why would you.

allow yourself to lose an additional. $152 in interest so now we're up to $250. of interest in one month gone you are. paying $150. $250 as a fee to be able to have access. to these cards that's what you're. doing so that you can sustain your. bougie lifestyle yes 1,345. an interest this year so far meaning. that to me feel like this card will no I.

mean that's a lot of money at 27.24 per. interest okay oh PayPal credit do we. really need PayPal credit can be a good. tool for quick financing things at 0%. but it doesn't matter because you are. having Interest being charged you're. having fees being charged you're SP the. minimum to payment 73 you paid more than. that 295 245 but it does matter because. you spent 900 $94 with a $30 fee and. $44.50 of interest and then the balance.

down the PayPal. credit. just I don't understand. why so this attach your business or you. the apple is that's personal yeah the. Apple's personal so you said you're. prioritizing personal over the Inc but. you're not the Apple went up payal. credit went up so that's a lie you're. bullshitting. $3,915. 97 with A7 $3 minimum payment again but. this why run it up why run it up up oh.

oh it's all for Factor oh yeah factor. which can be good I like them as a. they're they're they're a good sponsor. sometimes and they're also a good uh we. I eat their meals here for lunch well. guess what I pay it with cash flow. you're putting it on debt and that's. when you don't use those kind of. products yep so uh I was doing factor. for a while just because it was like. really convenient for how my kind of my. work structure $900 a factor yeah D.

good good. sponsor but it's is insane cuz this is. all eded in debt yeah I believe it's 0%. you were cash flowing it it's it would. be. different you don't 0% Factor that's not. the the 0% financing of stuff I like are. usually things that are going. to add value to life this is just a. little. convenience it is it is a little. convenience yeah why why put this on.

debt Factor that's kind of like where I. really only had like like the ability to. put it on um was was the PayPal um I. don't think I could have put it on the. Apple card or any of the other cards um. so that way I just kind of kept it there. and then I I would pay it off over time. again borrowing for myself in the. future why why do this to someone to you. were you have so much time time man I. don't understand why compound in the. opposite direction cuz that's what.

you're doing man you're compounding. downwards it's I I hate to see it as. someone that has such a potential for. success I hate to see this compounding. downwards and you're I don't know man. it's all just it's all to fill like a. hole man you're just like it's just to. fill a hole in you oh the fee what was. the fee guy what was the fee. what was the fee four oh what was the. fee oh yeah oh it's a plate fee oh.

you're not even pay your damn debt on. time so what's the point if you can't. pay a debt on time you are not qualified. in any world to take out. debt uh yeah again that's just like the. manual payment um I just prefer it you. prefer paying fees not no set it on auto. and go guess what I pay off all my cards. manually too but I have them on auto if. for some reason I'm the dumbest mother.

in the world and forget to pay it which. I never do but if I did I wouldn't have. a fee. hit yeah I well I should do that it's a. safety net why not give yourself the. extra safety tools yeah um I don't have. a good answer to that uh no you don't. because there is no good answer to that. I should do that and that's by the way. in addition to the door dashes so you're. factoring and then your door dashing. what one clums one's dinner yep. the Discover yes okay so these two cards.

you're right pay it off absolutely but. the money that you're spending on here. is ridiculous because listen even if. paid off it depends on the kind of money. we're spending your credit score 640. yeah it's not like complete dog it's not. great either at the same time not as not. as where I would want it to be I want. and it's probably because your. utilization is bad on so many of the. cars that's the only reason that's the. main. reason we can bring in my my my Equifax. if we want yeah the late fee. isn't going towards it because it's not. considered a Mis Mis payment. but the kind of spending that you're.

doing on here I don't understand why add. this I'm not going to add this to your. debt cuz it's not a debt you're paying. these off every month right yes right. because there's no interest charging. okay but listen you got workspaces on. here you got biohacker you got you're. PayPal and out ven Moine and or ven. service and PayPal service and then who. goes inventos and Amazon and Amazon. texting Court convention spanner. convention spanner I am Sports I am. Sports Dragon layer Comics Dragon layer.

comic Dragon layer comic Dragon layer. Comics Hulu Discord open AI chat GPT. frame.io venmo Domino it's not even on a. business card you have these expenses. that you can probably do with the. business and Amazon and Society. Awards come on guy those are free to. people who actually earn them um so yes. but if I work with clients to get a. second one so they get their free one to. work with a second one I have to pay it. there's there's a replacement fee yeah. but if I work with them I also earn it.

you can get it with your team so that's. how I've done that I know I know which. is why I've got a few I'm. sure do they have your name on it no. they have my client's name I would not. that that's my client that I'm that's. not me yeah yeah okay that'd be dumb if. I had my name on it' be like that just. one 280 for one that was the gold one. yeah the silver one I think I get the. pride behind it but it's just like man. you don't have the. money oh. um okay oh Contin yeah so also on this.

card I think I also just bought a TV on. this card as well um is it still going. to be paid off every month probably yeah. oh you don't even know so why you're so. probably probably is not a yes so there. is a chance that this card will acrw. interest this next no this card will get. paid off because this is only the $2,600. balance so like no matter how much I. make this card just gets like eradicated. every month and then what if you have a. bad month for commissions though what if. they the business you work for loses a. client like the one time you lost a. client and then you couldn't pay your. damn bills cuz now you're acre bills. from things you already purchased uh I.

I'll cross that bridge when I get there. that hasn't happened yet I don't think. it would um just because of like where. I'm at in the business and and what I. bring to the business um and also like. clients turn every 3 to six months on. average can you pull up pull up your. account on that let me see are you doing. dumb stuff on there let's chat about. your savings for a second if you're. letting them just sit in a regular. account especially one with a low. interest rate you're missing out it's. time to talk about CDs or certificates. of deposits and I've partnered with. money. to make finding the perfect fit for you. as easy as it can be with CDs your money.

earns more interest than it typically. does in your regular savings account for. the savings you don't touch but want to. grow in the meantime money.com has made. a lineup of the best CDs from Top Banks. all in one place you can easily compare. options and see which one suits your. financial game plan the best but why. should you care because with CDs you're. not just saving money you're actively. growing it they're safer they're steady. and they come with guaranteed returns no. stock market up Downs just good old. predictable growth so check out. money.com list of CD choices at the link.

in the description below finding a CD. that fits your savings timeline and. goals is important and only a few clicks. away trust me your future self will. thank you this is a paid endorsement. sponsored by money.com which is. compensated by its marketing Partners we. got grammarly on here and Amazon and. Amazon and Amazon and venmo and Amazon. what are you getting on Amazon and. substack and door Dash you have every. possible door Dash Buffalo Wild Wings. crunchy roll. oh my gosh HBO Max frame.io you already. paid for that oh my gosh $111 for that.

that is being covered by the business. now the frame iio is being covered by. the business good door Dash that's a. review video right yes that's that's. video door Dash Amazon Amazon Amazon. Amazon Amazon door Dash door Dash. another subscription Amazon Amazon I'm. going to want to take a look at your. Amazon too cuz these are all ridiculous. you want to bring up my Amazon account. my Discover account discover first and. then door Dash and then door Das. McDonald's your door Das TVs and then. your door Das McDonald's mind you again. it's listen it's you pay this off that's. good but the um the the category that.

allowed to purchases these are the some. of these are in work and some of these. are in [ __ ] and the [ __ ] could. be paying off the Apple card quicker so. even if it's not a card that is being. paid off that money that you are being. forced to pay off could be going to. something else meaning it is still dumb. yes let me. see there you go kind of fun is this is. a nothing phone I'd say so okay Uber. more Discord. how Contra yeah so Contra is a a payment.

service for uh people I work with like. you still do pay people yes Henley's. gentleman got a haircut for the show I. was looking really disheveled. okay audible yeah it's a lot of the same. purchases Tinder paying for Tinder that. was when I was on vacation in Miami did. not work you were trying to yeah When in. Rome yeah but go out yeah.

but I don't like going out very. often occasionally okay pull up your. Amazon oh I'm going to get my rocked for. this okay cuz that was like half the. purchases on here guy so why do that to. yourself I don't really get it uh have. you had interest chares just so far on. this card let's see you have had. interest this year so far meaning you. probably were laid on a payment once not. laid on a payment but laid on making the. full payment. hey you hear me yes so you can't have. access to this credit card because you.

negate all your points instantly when. you have interest charged even. once wait okay was the TV purchased done. on the card but through Amazon you. purchased the TV through Amazon got it. so that's what that is okay uh some. shampoo I think maybe toothpaste. toothbrush screen protector fine lots of. ramen yeah got a poop cleaner and more. Ramen yep Al Ramen Xbox controller. probably don't need it but you did get.

it refunded did you get Co did you have. Co yes uh well I I was I was super sick. so that's when I had the flu uh and I. wanted to make sure it wasn't Co it was. not some ceramic shaving Bowl yeah. interesting I even know people use that. I didn't know we were in the 1800s more. Xbox controllers oh what is that I I do. believe that coffee table was the first. coffee table I purchased when I moved. down here hey we have good taste it. looks just like it no no no I wouldn't.

get something like that no no no no it's. like the it's like the fake it's that. fake I I had like a real nice wood thing. you got like the fake rustic looking. wood I hate that look I don't know why. people like that look it looks so bad. it's just what's available yeah that's. fine probably not 100% necessary when we. can't afford to pay off our other debt I. don't think zero Furniture downstairs. yeah a coffee table that's the critical. piece of furniture that okay listen cool. that's awesome doesn't mean you need. need coffee table when you are losing. $250 in interest in a single month off. of your two other credit cards.

okay. s yeah again there was interest this. year so far here's another card that you. pay off right but still $745 of. purchases not going to add it to the. debt cuz you are paying it off but eBay. eBay eBay eBay Uber Eats and Amazon and. Amazon what are all these what first of. all Uber eat stupid what are all these. eBay $86 $26 $47 $23 so we we're. building up the downstairs so who's. weird me and my REM my me and my room. you have to leave soon we didn't know.

that at the time uh we found out this. month on the first so yeah that kind of. a bit uh or not on the first on the. fifth so it wasn't them it was the. landlord yeah it was a landlord yeah so. they that. wrong okay no interest charg on this. year uh in this year for this card let's. go yeah you did one card correct but. again do all the eBay Furniture things. make sense and the Uber things and the. Amazon things make sense when we have. cards that are growing $250 a month in.

interest I don't think so they do not. return that kind of value those things. that you're purchasing in fact they only. go down in value especially the food cuz. it's gone it's tasty. though 28%. okay okay is that all your. debt oh I have airm um much and for why. and what okay so uh I have 1,800 right. now on infirm which is down from 43 a. like a year ago um so I bought a brand. new computer I needed a new computer my. other computer like itself essentially.

um what computer what' you get so it's a. 490 TI it is a okay so this is a tower. yes name the specs okay so it's a 490 TI. it's 64 gigs of you did not need a 4090. need you did not you could have gone. with a 4080 so I stream and I also use. it for remote rendering for you did not. need it yes I did uh for what I was. specifically doing like streaming the. video encoding I do it saves me so much. time to yes there is a little bit of.

time on there but you did not need the. word need as. increditales on the rendering I know for. a fact we have all the different gpus. here I know you could have done it we've. played with them all okay you could have. saved a little bit of money there okay. go ahead continue um then it is a. 7900x 750x something like that um it's. the it was the top end process sounds. like you went full top tippity to top. yeah I maxed out everything great um how. much RAM and 64 gigs of ddr5 you didn't.

max out everything I could have had 128. yes but I only needed 32 but I got 64. for adob be applications cuz they're. they're pretty Ram hungry and chrome. tabs Amazon purchases continue in the. checking account oh wait what what's the. minimum monthly payment on the affirm uh. the minimum monthly payment on the. affirm is I think at this point 220 it's. 173 and then I have one last thing. that's going to get paid off this month. so it'll be 173 flat after that and then. what okay what will the balance be after.

that after that it'll be we zero I mean. after I pay off this last thing well I. have two things no you said 173 yeah. okay yeah what will your balance be with. that minimum payment oh uh it'll be 1650. I think roughly okay 1650 so we'll put. that as your balance okay in the. checking account right because you don't. have any other. debt that's correct you have a th000. bucks in here which is insanely low for. someone who makes as much as you it's. stupid I know that's like the biggest. pain point it's another thing he knows. but he doesn't actually work on biggest. payment I'll have the money transfer.

into my account we already know the. [ __ ] you spent your money on was. probably about a th000 bucks at a. minimum like generous thousand uh what's. going out to eat unknown. spending we had and I'm guessing oh food. is500 what. the yes that's that's bad so you spent. about 2,500 on guaranteed b y.

guaranteed you could have if you didn't. do that 3500 bucks in this checking. account then again this is all a choice. and you are doing it to yourself. Amazon a return fee you had a return fee. cuz cuz what okay so that I do know what. happened there so I you do you use wise. do you know what wise is uh I've heard. of it it's basically like PayPal but not. dog um best way to describe it yeah you. use PayPal okay uh that's Legacy thing I. had for a while um but yeah so I get. paid through wise and then I have to. transfer wi's to my bank account um and.

when I transfer the yse money to my bank. account uh you have to like put the. exact amount in and I didn't calculate. like the amount that I would need for. like the fee so I I put more in by like. a dollar um come on dude so yeah Amazon. PayPal there's the fee Uber trip Uber. trip door dashing Sonic oh my gosh so. good oh this is where all the food. spending is that we haven't get through. I was going to say that number surprised. me cuz I didn't feel like we went. through it all but that that makes sense. door dashing 711 PayPal and out cash app.

and out $143 for pay l or. PF plf. UI. 143 some terminal thing door dasing 7. what are you kidding mostly energy. drinks guy go to the grocery store and. buy and bulk you dumb little sh d Sonic. why don't you get food Sonic is like. literal bottom of the bottom of the I.

toldt you it's so good I love Sonic I. recently got it I recently got it I felt. like ill because just how bad you got to. get my order my order is great what's. your order so I get I believe it's like. the blast they call it I think or. something like that I it's like vanel. ice cream but then I get like yeah. cookie dough Reese's Oreo crush and then. I get the Cone Island dog and then I get. a corn dog okay I had the dog it was the. hot dog is not great it depends it. depends on the location I think I had. the corn dog too and I don't remember. being I do like their their ice cream's. fine but there's so many better places.

like Andy fro and custard okay door Dash. 711 Pay Pal pay paying door dashing. McDonald's and door dashing Little. Caesars and door dashing 7-Eleven and. door dashing Sonic and door dashing. McDonalds we're on a repeat here just. just endless cycle Uber trip Uber trip. Uber trip why do you not drive you hate. driving do you have a car I do not have. a car okay. yeah do you want a car not you're going. to be moving so we don't know what your. life will be like not particularly and. then if I move to Miami relatively. walkable City like third or fourth month.

really depends where you live I would be. you the heart yes I'd be living in. Overtown I was going to say because it. is endless suburbs as well where you. need car yes it is endless suburbs but. I'd be living in downtown and area. called Overtown and they have the Miami. Metro mover and it's most UN walkable. okay PayPal out PayPal out a lot of. money 1,200 there PayPal. $63 more Uber Uber Uber Uber cashing app. and out 32 where is that going so much. money that's bills and the. paypals uh depending on what the.

transaction with the PayPal was it's. either PayPal credit or if it's a direct. PayPal PayPal transfer fee it's likely. me uh paying my partner for the YouTube. channel we run door dashing out uh or. sorry door dashing waterburger Uber Uber. door Dash McDonald's door Dash Jack in. the Box you only get fast food door Dash. CVS door what are you getting CVS is. that more energy drinks um no that's. probably when I'm sick um like that's. like SI like every day you don't go. outside I I don't go I mean I'm pay look.

at that I look like ghost yes um yeah no. so I I don't go out very often um and I. like you get sick constantly yeah kind. of a weak immune system probably because. you. don't door dashton spice door dasing. sonic door dasing Chick-fil-A door. dasing McDonald's uh what is YouTube. me oh um that. is membership is it short for membership. maybe oh it might be that might be a. YouTube membership yeah we have a. membership tens of thousands of hours of. content back there really good stuff.

highly recommend checking it out but you. have debt so it doesn't make sense for. you to have it Microsoft PayPal PayPal. cash app Uber. Uber and then yeah your return fees that. was kind of crazy that was a one time. return fee I think oh yeah it was one. time but it still happened yeah it's. ridiculous your deck could be paid off. so simple I bet your budget is going to. be so chill I bet it's going to be so. chill you just refuse to we lived the. opposite lives now for what it's worth. you you ended up making six figures. before I ever did but I ended up getting.

into sales and I did really well there. and I ended up making six figures but we. did the opposite you're just going to. live the high life and I went and paid. off all my debt. instead I feel like I turned out in a. better position financially there's. there's a there's a chance even without. this business yeah I you definitely. better position financially but I I had. a quar million dollar net worth after. you know what like four years years of. doing that cuz I was properly investing. taking advantage of time and making. smart choices instead of Accord. accumulating lots of debt before I ever.

started this channel yeah so I had more. fun what do you do you don't do anything. it doesn't you everything here is door. dashing yeah so that's the more fun when. I travel I do travel a lot so in July I. had a trip in Miami I had a trip in New. York in March um and I I just went to. Miami recently I don't think you can. afford these man not anymore not anymore. just temporarily you can afford them. just but them budget them properly after. you get out of that I feel like I could.

get you out of thatb in like five. minutes so strong your income is so. strong I know it' be sick you can do it. okay so that pisses me off there's. because I feel like you're going to. prioritize going on more trips and door. dashing and all that stuff over actually. getting out of thatb I I'd like to. really coming on just because it's a. YouTube channel no uh you're in the. space and you like that no um but I I. would really like to pay on the debt cuz. uh i' like to get serious about like. living my life and this is like really. kind of holding me back so like with the.

low credit score it's going to be hard. to like apply to like certain apartments. that I would really like um and with. like my income like if I had no debt it. would be not difficult for me to afford. that I could budget it what on average. hits your account on a monthly basis for. your pay across everything commissions. and pay hits your account yeah 10,000. we'll do 10,000 that's incredible that's. delicious I love it more post taxes. again are you a contractor are you. supposed to be setting money aside for. taxes. yes I should have you paid taxes I have. paid taxes oh thank yeah I I I have paid.

taxes oh no Bingo this episode guys okay. so you're setting $33,000 aside so we're. going to live off of. $7,000 okay there we go cool yep okay. cuz you have to take care of your uh. uh you know Social Security taxes get. self-employment taxes all this stuff. okay so your debt. payments there some thick chunky minimum. monthly payments 447 Plus. 3 or 447 + 283.15.

okay yeah why already take such a. substantial portion of your income away. from M payments it's so stupid and then. you're still adding money to those. credit cards it makes no sense when you. can afford it because even in this last. month when you're spending money on. those credit cards you made more than. you spent so it's extra extra dumb it's. dumber than the people that are spending. more than they actually make $836 for. your minute payments what's your rent. and when does it end again um January. 31st okay what what's your rent so my. rent is 500 flat and utilities that's. going to be variable but let's say 3 325.

is that including the internet yeah that. does include internet do you have. renters insurance I do have renters. insurance is that included in that yes. no uh that separate that's $21 a month. cool gas room drive drive you don't but. you Uber could we get away with 150. bucks a month in Uber yes or less. probably 100 um okay we'll do that. then some months are different like like. for example that one grocery shop I. didn't see any grocery shop shopping um. no but there is an HB literally right up. my road like it's a f i could walk there. there's a sidewalk there I do good do.

that 300 hours for all our meal plan. that's for your necessary food follow. our meal plan tweak it to your needs. you're going a meal prep a couple times. a month just while you get out of this a. couple times a week TP fund anything. else you need to survive $100 a month uh. how much would you say is required to. fund your business across all these. extra things pretending you cut back. well pretending you should cut back on. some things that you really don't need. give me just a rough guess you'll budget. this out later let's say 250. okay going to. do 250 and luckily yes with some end of.

year taxes some some things will still. work out but uh anything Medical. Healthcare yeah I have insurance that's. $267 a month and then are there co-pays. or anything on a monthly basis. medications anything uh oh uh yes uh ad. all $20 a month okay that makes. sense phone bill uh phone bill is gonna. be $110 a month do you owe money on your. phone uh International thing I was. holding international phone. International yeah going to say get. helium we like helium it's 15 bucks a.

month for T-Mobile towers International. though yeah I I have clients in 115 you. said uh 110 110 what else needs to be in. your budget do you have any pets I have. no pets besides my roommates they they. may as well be pets count you're not. funding them so what what else seems to. be in your budget that I have not taken. account for um anything else at. all and I know your rent situ situation. is going to change but let's see what it. looks like for a few months for three. months I think that's.

it just a. little child. $2,796 196 so simple thing in the world. you have an extra. $423 on a monthly. basis okay this month you pay off PayPal. it's gone uh next month you pay off. Chase. uh included in that because there's a. little left on PayPal throughout those. situations you should also be able to.

pay off a firm then it's January maybe. instead of paying off the Apple set some. money aside for security deposits inste. everything your credit score will have. gone up because you decrease your. overall utilization of credit because. you're paying off some of that stuff. helping you to get an apartment. wonderful if you move somewhere you're. going to put the security deposit down. maybe first month's rent you're going to. utilize this 4,200 then let's say. because of rent you're going to go up to. about 1,500 Okay cool so you have $3,200. left so you pay off your Apple card in. two and a half months so after that. month of saving then the two months two.

and a. half five and a half months you're debt. free it's simple get a fully funded. emergency fund which you need to survive. which at that point will be about 3,000. 800 wheel call potentially actually. without your debt never mind that's a. lie $3,000 a month with your new rent. all that good stuff time six uh. $118,000 with your. extra money you have left. over of the. $3,000 just about should be able to save.

that up in about 6 months and under your. debt free you have a fully funded. emergency fund this is the most basic. dumb easiest solution in the world it's. just you not being a child pretending. like you make $300,000 a year and then. just literally 50% of your needs which. will be a ton of money spend 50% of your. needs 30% on wants which will be a ton. of money then 20% on investing and like. I showed you'll be a multi multi. multimillionaire there's no more to say. because this is the dumbest thing in the. world you could do this tomorrow but you. chose not to there's no reason for you.

to be in this situation it's stupid it's. dumb don't do it some months you're. going to make more throw that accelerate. this process what the spending a budget. technically you spent 100 100 but you're. still putting things on the credit cards. and not pay them off wholly and money. was going to bad things so I'm still. going to call it a three out of 10 being. generous there debt for your income. situation with where you are in life. it's not the worst of the worst of the. worst we just showed you can ba off. relatively quickly but it's still pretty. bad that you are grewing interest on. many things I'm going to give you a. three out of 10 it's the most generous I. can be there emergency fund no savings 0. out of 10 retirement no savings 0 out of. 10 uh emergency fund 0 out of 10 that's.

going to be a hammer Financial score a. 1.5 out of 10 guys we're going to try. his girl try to call his girlfriend in. the post show there's actually something. else that we need to bring up in the. post show as well I just realized that. the producers are texting me right now. so make sure to join the YouTube. membership below Hammer Pro Hammer Elite. Hammer VIP we have a ton of extra shows. where you can even call in and talk to. me it's really cool make sure to join. that and make sure to check out our. investing bundling and the budgeting. course all bundled for 25% off right now. see you guys in the potion we have an.

ex-girlfriend that so much stupid money. was spent how much $110,000 in 10 days. how do you spend $10,000 in 10 days to. fly a woman to New York that is insane. call this woman call this woman I need. to call her I'll see if I can call her. give her a call this R to watch the. financial audit post show click the join. button below all right guys I get it you. need more financial audit so we've. decided now in our membership below you.

get two exclusives seen nowhere else. uncensored Financial audits every month. again 384 came in from your job how much. do you think you spent how much did I. should make 384 you don't think you over. spend oh I probably I guess I did yeah. 7even maybe I don't know also three post. shows a week for every Financial audit. you're seeing right here on YouTube in. the post show we have an extra 20. minutes for every single episode where. we go into more drama we can't find you. on Facebook did you block me on Facebook. no no way you can join Hammer Pro where.

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break up with her today why is he not. because her birthday is coming up when. though two weeks two weeks. thanksgiving's after that a couple weeks. after her birthday then Christmas is. only a couple weeks and New Year's and. then MLK. day but wonderful human guys she's just. not wonderful wonderful human I do love. her she is a wonderful person I like. like her I no she like she's a great. person she a thing great person it's. just. she we know she's a good.

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