He’s Back... | Financial Audit

you're coming and eat it yeah the reason. we're using a temporary Studio here and. the reason you got a pat down and stuff. like that is cuz we've received almost. 40 emails and we've received many death. threats from you I was angry at you are. you terrified you're very scared you're. a little okay you're afraid of me you. said one of the only conditions to film. with me again was to literally hit me oh. yeah I wanted to slap you in the face uh. camer put that in the. thumbnail we're going in cold. open-minded we have no idea what is.

going to come of. this down here a man just. arrived I have any any weapons in We the. man of the. hour there's the boy the Golden. Boy you doing I like. that. yeah Dirty Money part two yes sir W how. fancy welcome back baby.

now you'll notice a couple things off. the bat. here we uh we're filming in a random. place oh interesting random Place random. Place pull this to your face all right. pull it pull it on in all right why do. you think we're filming in a random. Place Mr Brent right well uh I. mistakenly called you last time because. you called me names on to millions of. people oh okay yeah so and then you said.

you thought that I was going to hit you. which was crazy and then all your fans. thought I a violent person well and then. I started getting hate mail and getting. attacked that sucks absolutely I would. never they even called my parents you. know how absolutely insane I don't know. it's like doxing people have methods. that's why we try to use fake names. today um yeah but the reason we're using. a temporary Studio here and the reason. you got a pat down and stuff like that. is cuz we've received.

sometimes on just random evenings almost. 40 emails from you over the course night. I was angry at you yeah but we're. talking the course over like a year and. a half just yeah totally and I'm getting. emails from your. fans yeah all the time which is. obviously that's unacceptable absolutely. part of it's your attitude man you act. like a knit all and this is the whole. Gambit of your show okay you don't even. have a business degree oh okay you're. just chewing people out for buying. taquitos are we talking about business. on this show uh yeah pretty much oh okay.

everything that I've ever done is. business so okay business degree to. learn how to not spend money you don't. have oh okay uh interesting yeah yeah so. we were we were afraid for you okay. you're afraid what okay you're coming in. eaten yeah I but I appreciate it now I. got a smile on my face man yes yes yes. uh people have wanted to see okay yeah. sure I'm trying to come in joyful and.

lovely and happy now but I just wanted. to bring up the reason that we were. legitimately concerned because you said. one of the only conditions to film with. me again was to literally hit me oh yeah. I wanted to slap you in the face I was. pitching you on a boxing match if you. remember last year I was in Better. Health then and people would have loved. to see it you're not your health is. deteriorating oh yeah I'm sorry to hear. that I've been homeless for 6 months I'm. really sorry on tour kind of T little. bit I approached it like tour but to be.

honest are you touring every podcast and. telling them that their show is. horrible oh my. God I'm teasing you I'm teasing you but. we were afraid that you might we didn't. want to give you our studio location. because we were afraid you might show up. there I was afraid that because I filmed. with you in my condo beforehand that you. might show up again based on the emails. you. sent oh. wow well that's your fear man well yes. it was my.

that's why there's a security guard. right there fear I know so I you know. I'm doing this for the. audience I'm doing this for the audience. because they wanted to see okay and uh. because I wanted to have you back on. again and I just wanted to see you where. you are regardless of what you think. about me regardless of what you know. some people might think about the show I. genuinely do want you to have a better. life you are a person that exists on. this planet oh yeah you're not telling. me anything I don't already know man I. had to fight for my own rights in this.

state oh sure I just I want you to. actually do better regardless of what my. methods thank you well well stop stop. calling me a violent criminal and a. threat to you when I was pitching you on. a boxing match now you're smearing me. before your fans you're doing the same. thing all over again and it's it's. called Caleb Hammer is the savior and. his guest is the villain and you're. going to put it in a thumbnail and. you're going to probably here put it in. put a little graphic axe in my hand. right here oh make me look like Jack.

Nicholson man okay you know you know. we're allowing you to present yourself. however you want to it's insane you told. me at the last one yeah you told me okay. give us your best baby face and I'm. playing it up thinking this is reality. television we're doing a bit you're. doing a bit right now your audience is. not in on the bit all I care is about. you and your finances we put out the. call to everyone and anyone anyone and. everyone from any walks of life we want. to be on this show I really am I guess.

so I think it is because we reive 40. emails from you and night scared are you. are you terrified you're very scared we. were scared you're little [ __ ] okay. sure you're a little [ __ ] okay you're. afraid of me sure incredible uh hammer. the [ __ ] put that in a thumbnail yeah. put a little [ __ ] hat on you pleas a. little pink knit you know pleas everyone. wants to see my Psy I already know that. like we don't need to we don't need to. start talking about multiple parts so. the thing is is the reason I just wanted.

to bring that I want to get into your. finances I want to see where you've been. but the reason I wanted to bring that up. was just to show you how we thought. about this experience and why you were. here buy if you think that all right. okay no I'm okay with that you know I. walked out of your apartment just fine. we talked about something really briefly. you were in you were Barefoot you were. nothing I'm your actually most watched. video see look at you see I'm just. living life man okay I'm a flip flop. flipy flop you were in my house yes I. didn't wear shoes in my house that's.

unique interesting okay well I wasn't I. wasn't in my house I know um you are a. dick you are an actual dick I appreciate. it okay so uh okay. so do you want to have the podcast do. you want to have the. podcast this is interesting it's. interesting for you guys mhm oh uh so. yeah I just just wanted to know let you.

know how we felt from last time all. right bunch of [ __ ] yeah that we were. actually afraid for our lives because. you sent 40 emails and we've received. many death threats and um for me no we. don't want you no not from me Budd you. got arrested for threatening to kill the. governor governor of Texas yes you no I. did not I said I would eat his heart. yeah you usually have to kill someone to. eat their heart oh my God that's a. metaphor we already went through this a. metaphor for what it's a a play on eat.

your heart. out are you that [ __ ] oh my God I. don't think you can use that in 2024 I I. can use it for you I'll make an. exception I don't call actual learning. dis disabled people [ __ ] but I'll. use it on you I only call my friends. [ __ ] when they're acting [ __ ]. all right pretty much it's the Michael. Scott line yeah yeah so pretty much and. [ __ ] [ __ ] I reserve it for. [ __ ] [ __ ] who aren't my friend. because you're not your dick we can't. figure out which gender I am but I'm one.

of those well whatever you having fun so. far because I want to get into your. finances cuz that's what I actually care. about okay do you you want to talk into. your mic if you want to participate here. I don't know I might talk wherever I. want are you so why are you legitimately. why are you so defensive like so because. I'm on the defensive because you're on. the offensive what do you want me to do. have I said anything this uh you accused. me of like wanting to dude were scared I.

said we were scared based on your. actions scared oh my God I was pitching. you on a boxing match because 4 emails a. night from you you know how many emails. I get from your stupid ass fans no and. guess what you shout out your you shout. out your email in the last episode and. we bleeped it but even still because oh. yeah because people are nuts you begged. people to reach out to you because you. you hammering me. over $2 taquitos because because and. here's the recap your family was p. paying for your rent you refused to get.

a job because you weren't willing to go. because you're a child in your lying but. you were offered a job me right now you. were offered a job water saring me right. now I was interviewing for another job. at the time and you know what I don't. even think I could last in that job you. know why cuz I can't stand for eight. hours okay and I did not admit that. because I don't like to admit it well. it's a helpful part when we're having a. conversation about getting a job okay. but I don't like to admit it because. it's hard okay why can't you stand for 8.

hours I have a. stage one right now at the time it was a. stage two pressure ulcer on my heel. chronic stage pressure chronic what's. the treatment for that I'm sorry what's. the treatment for that there is really. nothing I mean staying off your feet. basically yeah dick um oh all right God. yeah throw it in you just automatically. assume that and this is the problem with. your show you assume that everyone that. doesn't have money. it's their damn fault that's not true at.

all that's what you assume going in on. every interview that's not true I like. to base it off of the answers that I get. from. you parents you probably know this. already but your kids depend on you for. everything that's an enormous. responsibility it's also up to you to. plan for their future in case anything. should happen and you're not around. anymore that's why we've partnered with. fabric by Gerber Life to make it easy to. help you plan for and protect your. family 's financial future with term.

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what are you waiting for get it done. today at meetfabric. docomo and join the thousands of parents. who trust fabric to protect their family. that's me fabric.com calb thanks to. fabric for sponsoring this video but the. premise of your show is to humiliate. people who don't have much money that is. the premise I'm sorry at the same time. you are telling people to practice. absurd austerity measures as though that. they're going to save their way into a. middle class existence while inflation.

is five years over the last five year. 5% aggregate inflation there's no way to. do it you think 5% is what's going to. take you over the last homelessness to. middle class 5% that's what doing way. when living expenses are what they are. right now there is no way to do it bu. even throughout the American history. when it comes to the strongest period of. the middle class in the United States. inflation during the beginning of the. Reagan Administration was higher than it. was at the Peak a couple years ago so.

that's just a horrible excuse yes. legitimately it was. 7% in 2002 22 202 but it was getting. close to 9% it was higher it it was. higher in 2022 yes it was nuts it's at. 3% now 2% now well it depends on the. report that you look at sure aggregate. over the last five years 5% so I don't. think that people that don't it's bad. it's it's it's terrible I don't think. that people that don't have money um uh. it's necessarily I don't go in assuming.

it is their fault I assume things put. horns on people in thumbnails dude you. are a shock Jo you're not an economist. you're not even a financial adviser. financial advisor you're a failed. musician that's just picking on people. that are having trouble I was making. more than my own professors when I. dropped out of college on my own music. compositions I decided I just wanted to. make more money by going into sales I. made more in code than many of my peret. pressors while I was in college yeah you. know yeah you're homeless right now so. so I'm not really well thank you for.

reminding you don't have to really. remind me because you look at me and. there there's a homeless person he's. less than me no that's not how I look at. it but when it comes when it comes to. your when it comes to your opinion of. making I'm do not look down upon you as. a homeless are you going to allow me to. talk can I have at least just a couple. minutes I do not look down upon you as. that but when you are criticizing my. career which was relatively successful. in music especially for my age and then. you try to make it about how you've been.

so great look at where you are now that. is hard to sit there and listen as you. being the high figure on all these. things what do you want you mentioned. that I'm going to talk for a second you. mentioned that I can't have this. conversation because I'm not a financial. adviser if you think someone needs to. have a license to say do not spend more. money than you make then you know less. about personal finances than a halfly. educated individual of the American. population is in about $50,000 of. Consumer Debt oh sure yeah so you tell. me me that I'm a freak you're practicing.

austerity measures and then under that. Dave Ramsey method we already mentioned. this right I don't do his method. necessarily it depends snowball's great. I mean we we've already we've already I. complimented you last time because I saw. your format on the show feels so good. good well I I saw what you saw is that. you saw an audience MH the reviews to be. made tell me why did you go look. Honestly though like why you go into. this because you saw because I almost.

got because I almost got hired by a. YouTuber I wanted to work in YouTube. they didn't end up hiring me so just. like the way I write music I like to. write music that I want to hear but I. haven't heard yet I wanted to make show. a show that I would like to watch that. doesn't exist yet so I started the show. did did you think about it like uh with. these thumbnails and Jerry Springer and. all that kind of Caleb Springer please. Caleb Springer okay okay well whatever. you want to be called yes at the time of. filming your episode what we did uh. usually that was the most popular.

episode close number three oh number. three I don't know I only watch don't. get too excited I saw you one time you. you are you going to allow me to defend. anything you set my way um I saw you one. time uh really just. like skewed just flippantly a guy who's. getting his graduate degree working at a. nonprofit bought a condo right. absolutely totally nice guy oh yeah yeah. oh like oh that was stupid and I'm like.

what was stupid I'm going to need a. little more context so if I remember. right with his episode doesn't make any. sense no no no with his episode it's. only allowed to increase in value at a. rate that's under inflation so he's not. actually getting value added to his. Equity position in the Austin area like. you would find with most Properties Plus. the condo that he got was a smaller like. one bed one bath so it's harder to. resell as well because I'm looking at. him as someone okay you're going to shut. the for a second and let me actually.

answer a question that you ask it's. better than renting not necessarily rent. is actually cheaper than Austin so oh my. God it is mathematically listen I know. you play the world victim here's this. every American's dealing with this so. because of this I will never be able to. get ahead and because I lock myself in. that world view I'm going to be a. crybaby forever and be a child and never. get you think you think like I'm liberal. I should have just gone on Dr. Phil yeah he would have had you oh no he. wouldn't have he would have sent you to. the ranch it would have been fun Dr. Phil's actually funny and I'm talking.

about the impersonator out of Austin oh. yeah Adam Ray yeah he cool totally yeah. you know he likes the show right the. show you hate yeah well that's fine I. don't care okay yeah it doesn't really. matter to me not Everyone likes the same. stuff okay we're not built in. silos yeah you were hatch out of an egg. or something so Brent dude chromosomes. how many you got feels like too many. give a few back a lot of us are looking. to uh balance out our chro his own.

M okay let's see all right whatever. whatever man whatever you can't hey come. on if you're allowed to throw a jab my. way I'm allowed to throw a chicky little. thing your way it doesn't really so I'm. sorry that you felt upset about the. thumbnail at that time when we record. I'm going to talk for I'm going to talk. for a second I'm going to talk for a. second your audience can you calm down. for a moment and let me just talk. because I I'm here too dude if I ask you. a question I want you to answer if. you're going to bring something up to me. allow me to answer it have some kind of.

courtesy all right what's your question. or whatever what you brought up the. thumbnail thing at the time all about it. how wise and and amazing it is it's not. wise I just wanted to tell you how we've. approached the situation. con okay so when we made the episode. with you you know it was just me Brandon. were you here yet okay so I just brought. on my first person so at that time you. know young Scrappy were just having fun. with the YouTube thing and at that point. you know we're just like Hey we're going. to make a wild thumbnail let's take some. pictures for it and then that's what we.

did now you'd be happy to know when. everyone comes on the show they are. given this D like uh broad onboarding. process one they're fans of the show who. apply two when they come on the show. they are sent onboarding videos. understanding the full process of what. they're getting into understanding what. the thumbnails and titles are like there. are some warnings to consider before. signing up for this process a part of. our brand is making pretty intense. thumbnails and titles here are some. examples coming on screen right here. it's important to realize that they're.

pretty intense and that's our brand. though we never have negative intentions. and we're just trying to create the best. content possible we want to make sure. that you realize that this is a part of. the process that You' be getting into. then they come in person they have an. in-person onboarding session in our. Green Room which you'll never be welcome. to because you'll probably kill us and. um I'm you know I'm doing a little. cheeky cheek so we talk there we have a. thumbnail Wall of Fame that they're able. to visualize and they know that they're. a part of then they. go thumbnails and titles will roast you.

yeah something to be aware of um you. said more um the thumbnail strategy is. to make a joke or caricature out of your. conversation it's kind of like a carival. artist okay yeah um after the shoot we. will take a bunch of thumnail photos we. might ask you for your ideas um and. share some of our ideas that we had that. we're like definely going into with then. idea for but just be quick note that we. don't know what direction the thumnail. we on to S and I sit down the that's.

then they go through all these forms and. they understand fully what they're. getting into and everyone's as educated. as possible I've never hurt anyone. man. God I hope not you're incredible so I. just wanted to let you know that if you. felt hurt from a process before that. every single time we hear something like. that I don't feel HT we update it to. make what else I'll just shut up we. updated it to make people feel better so. um I would never want you to get hurt. man yeah legitimately just like everyone.

on the show I want you to do better I. would love to find a way for you to uh. get out of a homeless situation yeah. it's the merch based on. you I'm glad I gave you that man I know. I am too actually we have a gift you. want it sure where you. go Oh I thought it looks cheap dude I. was not happy with it it wasn't our just. looks too cheap our Dirty Money merch is. done incredible this merch I mean like I. don't want it when's the last time.

you've had a job I've had several. clients since yeah individual clients. doing what content marketing like this. like you what what would you do for them. I do content marketing I write oh that's. exciting yeah how much were how much. were you making in those positions it. depends on the piece of content okay and. uh are you still doing that today uh. right now I'm doing it at the moment. right now are you making right now I'm. making about $3,000 to $4,000 a month.

between that and Uber I'm sub. supplementing with Uber but I'm actually. losing money on Uber and you were the. one who is like everyone's doing Uber. everyone's doing everyone's doing Uber. roll the clip if you're an honest man. roll the clip from last show I think. what you're talking about roll the clip. you're honest man roll the clip I will. roll any c in Austin I know Uber Eats. drivers who I've personally met and. talked to were raking in like 80 ,000 a. year and that is not the amount of.

depreciation in gas they are taking in. their cars and repairs and insurance and. repairs you have to pay more insurance. when you do that too it's. crazy it becomes a whole thing it. becomes a whole thing $80,000 is also a. thing yeah I've never removed a piece of. content everyone does it every you are. so confident that people are making tons. of money on Uber Eats and I was like. I've already drived on lift and I'm. already familiar with the ride share. model and I know it's not working it is. a good app that tricks people into.

thinking that they're turning a profit. but when you look at it on an accounting. basis it's not a profit well did I did. it again I did uh what how many hours. 400 hours over the last three months. just to prove you wrong I drove 6,000. miles I lost. money incredibly so here's the thing. incredibly I knew it was going to happen. two years ago when we filmed it wasn't. two years ago it was about a year and a. half ago about a year and a half ago. when we filmed getting out of the. pandemic uh Uber Eats was actually a.

really was making really good money in. the Austin I'm not sure if it was like. that good cuz I did it then too but I. didn't make it money I did it right. after remember I knew a lot of people. that were making good money said man I. just tried this I just tried this and. it's not making money I didn't like make. a real big go at it but I recently made. a big go at it just to show you that. you're wrong okay well I didn't say with. you I don't know how you went about it. but all I'm saying is today you're right. it's not as good as it was during those. pandemic days it's not it's not. profitable profitable at all people are.

making profits again I don't know how. you did it oh boy oh nobody out there's. turning a profit man that's not correct. but oh wow wow there's lawsuits going on. right now man and it's actually a safety. issue it's. bad they want to hear you your beautiful. voice oh thank you I'll sing later no. little talent. show uh so uh you're making about three. to $4,000 a month right now why are you.

currently homeless I've been on the road. I went to Los oh so it's like by choice. uh kind of sort of maybe I don't know I. broke my I broke my foot pretty bad in. uh what was that fall of last year uh. couldn't get up the stairs had to move. in with my parents and that was fraught. because well there's history there sure. and then um I moved out to Los Angeles. thinking oh I I had success out in Los. Angeles but that was so many years ago. everybody's moved on yeah when you had. your agency right yeah yeah yeah which.

was pretty successful why have you at. least according to you why have you. consider not considered going back into. it your advertising agency well I had I. had all the components back then I mean. I had uh designers I was really on the. Breakthrough of like new ux designs and. in search engine marketing I was on the. Leading Edge you know like why aren't. you willing to go into that again though. if it was so. successful everyone's doing it and it's.

become so commoditized that there's no. room for thepoke craft anymore that's. really it there's um you know content. Management Systems everybody's using. Squarespace there's there's not there's. not a lot of room for thepoke responsive. design um you can just get your. Squarespace for like $10 now and you. know you know just plug it all plug it. all in uh content marketing is. oversaturated everyone's doing it back. then no you're doing oh well this is a. different form video video has a higher.

uh ad value now what were the paypals. coming in like where did that come from. oh clients so you actually made 2,000. yeah like okay that is less than the. three to four you said but you made. 2,000 bucks like that is money something. so you're writing content like blogs on. their sites and social post writing. mostly and we know you like the. type yes I. do uh. especially when I'm getting harassed by.

your fans you you're the only person. that's ever been on a show that has a a. special folder oh good it goes right to. the Brint folder now to be clear I want. to just call this out cuz unfortunately. once you do become large enough I mean. there's certain things you just can't. control but I do want to call out to the. audience please never reach out to the. guests especially not their family. members uh we use fake names for guests. now we've been that's been a policy. these last 6 months yeah well when we. filmed with you like your video started. putting us on the map what are we.

getting like 10,000 views per episode so. this is like you know it's just like a. hobby stuff this is like a career now so. like but please do not reach out to them. oh totally uh it's now mandatory that. people use a fake name by the way oh. good so well I'm glad Caleb that makes. me actually feel a little bit better I. mean we're always happy to make changes. to make things better for the guest and. I again I'm happy to have you back on. here so in your spending this last month. or in terms of what came in again I told. you PayPal then was almost 2,000 and. then you did have Uber of about a th000. now what do you think so.

$3,118 came in how much do you think. went out spending total I don't remember. looking at the statement I I was. probably like 200 bucks. left pretty close you had about a 100. left yeah and I'm I'm getting airbnbs. for 40 to 70 sometimes motels sometimes. staying in the I've been I've slept in. Parks before you know if it's a nice. night out do you want to settle down. somewhere like what what do you where do. you want to be so you want to okay. because you are making enough I got.

robbed in LA and I actually had to busk. my way back you know what's really funny. I got robbed wallet and cell phone then. my Bank of America account got hacked. that is I go into a Bank of America I. didn't know it worked like this anymore. I mean if they have the two- Factor. authentification they can they've got. you right right they've got your phone. and your ID and your debit card they've. got you I went into a Bank of America. with no idea uh D Texas DPS uh sent me a.

temporary encrypted driver's license. that I had on my laptop went into Bank. of America with that said I've just been. hacked you know I need to stop this. right. now they could not they could not verify. me there somebody I was like I'm the guy. this is my account yeah like I know know. everything about the account I can give. you the details I have a temporary.

driver's license from Texas DPS I have a. a police report on file here all of. these things I'm helpless in a Bank of. America like so I I had no way to. receive money either you can't get money. wired to you I asked my dad you can't. get money wired to you I. busted for gas money like I'm sorry to. hear that it was incredible astonishing. like I didn't know it worked like that. yeah you know just and yeah I had no.

idea it worked like that I'm glad I made. it back to I'm glad you made it back too. I'm glad you're safe I I want to focus. on today uh so we want to settle down I. think we could at least get you in a. place for like 1,000 bucks you know we. could get you a studio in Austin 1,000. bucks all right listen up we got a lot. of comments on our Challenge and. apparently most of you already have. $1,000 saved already seems like you've. been watching Financial audit am I right. and we don't want to limit this so we're. expanding the challenge we're doing a. full five day refresh where I'll be. putting out all the stops I'll be.

sharing my ground floor tips all the way. to my Advanced tips for you high Hammer. Financial score people whether you're. trying to save your first $11,000 or. save for retirement there will be. something for you in these free daily. instructional videos we're setting up. skills and habits that'll last a. lifetime and there's already thousands. of you signed up already so spots are. very limited now go to Caleb hammer.com. challenge if you want to join the party. or click the link in the description. below oh yeah I'm looking at a place. tomorrow actually I mean I already lined.

I I already lined up just coming in here. uh you know uh rentals with creative. housemates now I assume you're eating. out still going to be pretty bad because. sometimes living on the road tends to go. that direction right what do you mean. what did you you're eating out oh dude. yeah. mostly I mean especi I mean I'm eating. out while I'm doing Uber Eats what. you're looking at is June I did uh how. how many hours in June on Uber Eats.

let's see probably 118. trips no that was that's just one. week that's just one week right there. you're right that was just one week I. probably did uh I would have to look at. it again but I probably did so you made. a th000 that week 200 hours in June a. th000 in Revenue that week over uh in. online drive mode okay and that's not. even counting like repairs and you know. just operational things with your.

vehicle that's online drive mode when. you're ready to pick up a Taco Bell and. drive it 30 minutes across county lines. for $2 and now again I know. statistically right now cuz what I care. about is like statistics median. statistics right now it is not as good. anymore one it's not getting subsidized. by big money anymore as much so it's. it's harder they turned they turned to. 1.5 billion profit last year it's valued. at $150 billion Uber is yeah but I know. it's not as good for the drivers as it. was during the pandemic it's never been.

that good for the drivers dur the. pandemic people were making money the. economy didn't make any sense for a year. and a half that is true I know that's. the first economic thing that was. actually correct that you said oh good. yeah thank you for factchecking me dick. you're welcome uh Alamo P Terri's going. inside getting some taquitos we know you. like. them and going into Target getting some. bullsh Taco Bell getting some taquitos. yeah it's actually I it's the most uh. popular personal finance podcast across.

all the internet and one of the most. popular podcasts on all the internet. right now thank you I know and you said. it's such an easy show last time you. said anyone could do it why haven't you. done this show yet why haven't I made a. show like this yeah cuz you said anyone. could do it bored in a week oh yeah yeah. why make a sustainable career and have a. chance at retirement and a good life. when you might get bored and while. you're smearing people and making them. crazy smear buddy I'm allowing you to. present yourself however you want when I. do when I argue with me when I argue.

with you you you say that I'm a violent. lunatic you know so you think when you. argue with someone that they're not. going to argue back you have so many. you're like I'm like some kind of. I'm I don't know I don't I'm not sure. anymore I'm like I like to give them. zingers I'm not that impressed okay that. doesn't mean I dislike you or hate you. or want to bring you down that's not how. we do it and we have a conversation with. every guest about this now of course. when you were doing it it was a little. different we're making it better and.

better but like we're getting like. literally everyone's permission like are. we allowed to make inappropriate jokes. we asked that before every episode so. it's like I get what you're saying but. we're our intent is not to bring people. down we want to help people we're zingy. we're witty we're tough love about it. and not everyone's going to relate to. and not everyone is going to relate to. that type of exercise and if you don't. then don't come on the show be an adult. and know what you're applying to like a. big boy so helped thank you Caleb thank. you yeah well I mean I think some people. are incapable of actually cuz of course.

what we talk here is we get thank you so. much Caleb for having me on oh my God. what can I do can I soak your dick. preferably not preferably not God I uh. go for a very different type but uh now. when we talk here and I try to expose to. people how bad their situation is tell. me more about it and uh give them a. budget of seen. well I mean you're acting like you.

haven't I've uh I've uh heard people. talk about this show that I've only seen. a couple people a couple episodes and. they're like I know what this Show's. like two looks and it's like this or and. it's like that other nasty look you got. on the thumbnails it's like oh how is it. do it do you know the one no it's like. you do something weird with your mouth. it's like oh that one that's that's a. good one actually we haven't used that a. it's actually being overused it looks so. no we haven't used it in a while you. haven't you haven't watched it in a. while you what you would you wouldn't go.

for this check out the side. profile that's my dating profile next. you wouldn't go over. that all right I don't I don't know man. choices I'd have to be really desperate. okay uh so and then but what is. determined for people to actually. improve their life is walk away and put. their own actions in we can't hold your. hand and people Someone Like You Brent. Brent with I sorry for doing your name. wrong last time that was my fault I.

thought it was Brent I really did um and. the entire audience has thought it's. been Brent um it's kind of funny so you. just you're the person just through your. language it's the oppression Olympics. you know the world is always against you. so oppressed in your language so. victimized instead of taking any. responsibility I just bust my way across. half the. nation like I just freaking drove eat. for hundreds of hours and 6,000 miles bu.

I will applaud you I will applaud you. for staying alive but you're in a worse. position than you were when you came on. the show a year well what should I have. done at that time we talked about how. you got a job offer at waterburger you. could have started there to help and I. am I allowed to answer your question am. I allowed to answer your question you're. right in that at that time I did not. know that am I allow I go crazy standing. up for eight hours it takes either. um some kind of pain relief or a or.

something like it takes something to. distract from the actual throbbing in my. heel okay which of course you did not. bring up last time so I did not have the. answer to that no I usually don't talk. about it because I'm not a [ __ ] I don't. go around victimizing myself saying I'm. in constant pain okay you victimize. yourself in every other way there's no. way to win with you bu I'm only going. off your own words VI I'm a victim all. right let's go with your narrative only. go off your own words now I'm going to. answer question oh I'm a victim okay.

who's going to save me Caleb please help. you're acting like you're tied up on a. train or something train track let's see. if I ride in let's see if I can cry like. I did last time you did you almost got. up and left let's see if I can cry there. we go it's coming I gave you the five. stages of grief in a tight hour you are. an interesting. creature oh okay so I will attempt to. answer your question again then we'll. continue going through the statement so. what I would have had you do last time. obviously you have found yourself some. good remote work with this um on top of.

that one uh the tech world is a lot. harder than it uh now than it was then. but at least what I would be looking for. is maybe some remote call center jobs. some uh remote customer service jobs. these are going to be lower paying jobs. don't get me wrong and they are not. going to be the most fun jobs but they. prevent you from standing up they won't. call me. back I've already tried man what' I tell. you last time well well you said that. you don't that you feel overqualified.

for every job I've already applied what. I tell you last time I went to a Half. pric Bookstore yeah in person would that. work though are you able to work there. sit down for a while yeah I mean if. you're at the register uh you know. theater you can usually sit down for a. while oh have you applied for. disability I do not qualify oh I don't. have social security disability okay I. don't have enough Social. Security I you know I called I called. yeah you don't know a lot a lot about a.

lot of things I called um you got me. good. one Zinger I called um Medicaid in Texas. I lost my Medicaid moving to Texas right. sure a lot of people did because. Governor Abbott you know what he did he. didn't expand Medicaid he didn't expand. Medicaid under the affordable Carex. dollars yes right yeah so I lost mine. when I moved here right I call Medicaid.

and you know I'm talking with the rep. and she's like you should have a kid. You' qualify she's just joking but it's. actually true if I popped out a baby. please don't i' I'd have. Medicaid totally would yep totally would. and you're saying that I would not be a. good dad I totally would be a good dad. absolutely didn't you completely in your. uh Fury of email to us you adopted a dog. and lost it in a couple months I.

wouldn't trust you with a human baby. that's not what happened not what. happened us the dog oh my. God I'll allow you to tell it it's your. this is your platform dude I'm allowing. you to say whatever the want I adopted a. dog from um Arlington Animal Shelter. right um very friendly very nice dog got. it into my. apartment and it was completely. traumatized I hid behind the sofa peeing.

itself for a. day and you know I'm I was like okay I'm. going to give it some space to you. know acclimate and um try to you know. live it leave it some food and some. water and just give it some space to. maybe I'm scary maybe it's just the new. environment scary that kind of thing. and it never came out it was just.

absolutely Frozen in fear okay and. um after two or three days it wasn't a. month it was two or three days I. realized oh this dog is just absolutely. terrified there's something going on. with it I took it back to the Arlington. Animal. Shelter um and the um uh one of the. shelter workers there was like oh yeah. she's special she's special she just. likes me and when she saw him she just.

opened up you know just jumped right on. him so happy like we actually had to. carry her to my car from the mall and I. thought it was because the um asphalt. was hot but it was because she was. frozen up in fear mhm uh that's totally. what it was and you want to call me a. dick okay I couldn't keep that dick. sorry man I've never said that word once. I'm a bad dad all right right now I'm I. I I can't take care of an abused animal.

I'm not that good sorry I mean you sent. us an email like you you were sending us. emails that are different than that. story but that's okay that's the only. reason I'm going to look like a dick for. that and that's okay but it is different. than the stories you told us via your. email we were tracking it we were. following along trust me we read. them what else I want you to do better. with your finances but again so what I. would have suggested is you know. possibly taking those jobs now okay. you're like okay I called those jobs I. couldn't I didn't get it now what I.

would have then responded with that. isn't a give up it's a let's look at. your resume let's review your resume. let's see what it's like let's look at. your interview skills let's look at the. actual jobs you're applying for at the. time of filming the last episode you. were very adamant about that you refused. to work a job that was kind of. underneath you you felt like you were. qualified based on the things that you. exactly what I did not say I said I will. gladly accept a job that is under that. I'm not expecting that I something less.

than I I'm expecting but there are some. jobs I can't do and I'm not very good at. that is what I said please play the clip. if you have any Integrity okay so every. job no you haven't actually been. applying to every job have you you've. been applying to jobs that you more want. to do correct well jobs that I'm. qualified for mostly but not jobs that. feel like are a step down yeah cuz I. feel like I want to I want to accomplish. okay so you're picking and choosing to. be very clear you're not just applying.

for every job there are jobs that you. probably could have. gotten I guarantee you there's people. working McDonald's or retail or a server. or something that have misdemeanors I I. applied for high price books and you. know I'm a a wrer I'm a writerly guy. okay so one and it's a bookstore they're. probably not hiring as much but one but. they were they were and I I even. followed up with them I went there and. they were like oh you're overqualified. they're afraid I'm going to leave no I. know but that's one place yeah that's.

one place that's what I want to make. clear is you are very much picking and. choosing I want you to have the job of. the dreams the picking and choosing I. feel like the world is picking and. choosing for me yeah but okay okay also. the episode is there for anyone right. now yeah and right now I'm being I'm. being I being well I I'm just giving you. my reality okay U I don't I don't want. you to feel smeared by The Daily Mail as. saying I'm not willing to work by you to. and you're continuing to do it um which.

is interesting part of your routine we. don't even edit the episodes like that. it's it we allow the guests to put on. display whoever they are we're allowing. you to do it you can't blame us for that. you're not saying what I actually but. you can't blame us for literally. uploading you that is I can I can blame. you for mischaracterizing and not seeing. what I've said fine maybe I. misunderstood what you said you. absolutely did you absolutely did I will.

take your word for that right now clip. play the clip the clip sure I will take. your word for that I watched that. episode about 50 times I know every beat. That's not healthy well I do have a. little bit of OCD okay so you know and. okay so you're willing when your. followers are actually smearing me and. I'm being smeared across three nations. Europe the UK and United States of.

America Europe is not a nation uh it's. well Loosely the union okay we can we. can call it a continent you know it's. organized and sort of unify I was being. dumb go. ahead um anyway um well again I am sorry. that you went through that that's I I. wouldn't want anyone to get. smeared that's. bad and you know just human into another. human that's really sad and I'm sorry.

and I encourage please do not smear uh. you know even in the comment sections. it's a little hard people say we don't. moderate it we do you don't see what's. moderated that's why it's not there we. we delete things that are like. legitimate like hate and threat for life. but things that are slightly insulting. you know we relatively leave that up as. well we kind of try to do the Free. Speech while also getting rid of the. worst of the worst of the worst of the. worst so um but you know always. encouraged the guest they come on here. they're brave enough to be on here and.

you're brave enough to be on here so. thank you thank you for being here by. the. way and also we across all channels uh. across just the main Channel we get one. comment per 10 seconds so it's very hard. to moderate uh everything but we do try. our best we do we're a team of eight and. we try our. best you went in the gas station got. some bullsh got some something through. Apple uh Taco Bell Sonic driveing going. inside getting some taquitos Alamo again.

oh that looks like you winning and got. some Taquito winning got some Taquito. winning got some Taquito winning got. some Taquito wi inside got some Taquito. some Petes when inside got some Taquito. win inside got some Taquito would you be. surprised if you went inside and got. some Taquito and Chick-fil-A went inside. got some Taquito Sonic drive-thru Uber. one do you need to be paying for Uber. one ux. research huh ux research Caleb what. consumer side ux research I spent 250.

hours driving Uber Eats I'm wondering. why I'm not making any money okay signed. up for Uber one are you okay do you want. to take a pause that's just all it is no. no no I'm not going to sit here well. you're just if you're like hurt buddy I. that's this is that's nothing to me I if. we're not walking away without you. having some sense of where to go and. make some progress I'm not going to sit. here and just you're just like going to. be sad I just don't have any faith that. you're going to get it to me I don't. think I'm going to learn anything from. you well if you don't walk away with it.

that's your fault but I will at least. attempt to provide attempt to keep going. okay go inside getting some taquitos. Cava Amazon Prime Apple bill go inside. getting some taquitos Taco Bell Apple. Bill see I'm just I'm just thinking man. with what we spend on the airbnbs in the. hotel we can get you a studio here and. then if we're meal prepping for $300 a. month which on our budgeting program. which everyone could take advantage of. by the way Link in the description below. there's a meal prep there and you can. tweak it to your needs and you can.

easily stick within $250 to $300 a month. on a sustainable healthy meal. plan we could get you to a good place. that just requires sacrifice last time. one of the main things we were talking. about now you say that I'm. misrepresenting okay let's say I'm. misrepresenting and I you're willing to. accept any job one thing you're talking. about when it comes to applying for the. jobs that you're saying you're always. overqualified and that. you wrong people tell me I'm.

overqualified okay so why don't we. reflect the resume if that is the actual. reason why don't we just reflect the. resume and take off some of the. qualifications let's just get you a job. that's all that matters sure but what. matters more getting the job or not is. it the pride or is it the job if that is. the actual reason which I don't 100%. believe F my resume before mhm doesn't. really work. like I I went to uh I had a job.

interview at a Ross Dress for Less right. job interview well yeah job interview to. Ross Dress for Less I'm going in there. with my best Spirit thinking oh you know. what I like merchandising I like clothes. and merchandise I like design I like. selling and they're like do you have any. retail experience I was like yeah in. high school fast food experience in high. school and in college okay but okay I'm. excited I'm like you know we. can this store you know there's.

opportunity here I'm going in there with. a positive spirit try and she's like. this is dude you're mistaken this is. just a Ross Dress For Us I'm like so. what like we you know we can make we can. make things know buddy they have to. follow a big corporate model you're. trying to walk into a job and they don't. really it's not that stringent buddy. you're trying to walk it's like it's. like if I hired you for Brandon's. position oh man are you not open to any. criticism what do you want no I I'm.

telling you I could not operate there. but it okay can operate under I cannot. operate underneath a this is what I want. to I could not okay we're back to it and. this is this is this is this was the. conversation I couldn't operate there. because that that woman's that lady that. college student she uh oh what an. entitled come on she no don't be a dick. oh now I used it 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 4.6% on your. money and up to $250 for signing up with. my link would you rather have automated. investing sign up for acorns with my. link in you'll get $20 right now instead. of the usual $5 you'd get from your.

friend's referral you can also sign up. for our investing program and get $100. in cash deposited into your Mumu account. this is 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 of the description. below so don't pass up the free money. cuz I'll punch you she was she was like. dude you're not supposed to care about. this job that was what I was getting. back from her. like and that's I care about my job who. gives it budy you're just trying to pay.

bills at that point listen I the way I. try to help people navigate the job. platform is if I do that I lose my. $2,000 and content marketing and media. you can't write that after hours. probably not it takes it takes quite a. bit of research how many hours a day do. you. work 7 to 8 usually when I'm not driving. Uber Eats. and then I'm working on my music and.

I've busted on my music money oh how. much are you making on that uh I've made. like $150 in an hour buing in. downtown yeah pretty good yeah how much. You' made total on that whenever I do it. I make. money I just can't do it all the time. you can't sing all the time it's an. emotional craft but if you're too. fragile to sing then don't sing. as easy as. that no offense I mean if people are too.

fragile to go have a kiss with someone. they shouldn't be going out and having. kisses with people know. yourself know what's good for you know. what's not and be an adult. $2,000 a month divide that. by four days or four weeks divide that. by wait a second let me make sure I'm. doing this right divide that by five. days 100 divided by 7 okay so you're. making $14 an hour on this content. writing so again in Austin I have found.

across the board the median entry low. wage for these type of jobs is about $18. now an hour so you'd be making more. doing that I don't care if you're. working for a college student who. doesn't care about her job you don't get. to walk into a place I if I hired. someone and they walked in on day one. and tried to reorganize the company they. would not be there on day two how are. you surprised on that I've done it for a. living you do nothing for a living I've. I don't want to hear that I've walked in. as a consultant and completely.

redesigned and guess what you're not. working as a consultant right now so. that means nothing if you were. successful as a consultant you would be. doing it right now that means nothing. successful consultant buddy you would be. doing that right now I I I hear the I. have the information I've been a. successful consultant with you that's. not Consulting buddy we want to make. everyone's experience better uhhuh. that's what I'm doing I've made you a. lot of money either way that perception. on jobs like or I'm not surprised you. don't have a job if that's how you go. into jobs. you can't sit here and say I have a job. when I've had like five jobs I'm never.

able to finish a thought in this one. well it's cuz you keep being getting. wrong uh you saying you were successful. in things in the past yet somehow you're. not successful in any of it now I'm not. rolling in it you know you're rolling in. a car because you don't have a place to. live because you're not holding on a job. because you want to walk into a place. and control the place because you're not. willing to work for a college student. because you want to be the boss because. you think you've been more successful in. the past about other things. you think you have a degree ination. system that you deserve to make all this.

money and contr aan and. Runar you know that's only based on what. you said that's your narrative you know. the narratives that I drive and the. beliefs I have are only based on what. people tell me it's going through your. demented skull and coming out your mouth. you have a way with words poetic yeah I. can see why you're a good writer thank. you you fueled it with going inside. getting some toito and some Taquito and. some Taquito in Almo Draft House oh you. spent money on hours a day mhm I'd pick.

a sandwich and you went inside got some. bullsh Airbnb make a sandwich no yeah. cooler yeah everything I'm saying so. much easier than done oh I want to. address the austerity thing that's what. you brought up at the beginning that I. didn't get to address uh because like. you're talking like like of course again. the victim Olympics so um when it comes. to that you know fun when you don't have. any money you can't afford to live yeah. maybe we're cutting back and not having.

paid for a fund who would have thought. but actually once people get out of debt. and have a fully funded emergency fund. compared to any other Finance YouTuber I. give people more percentage of their. budget to go spend on fun and living. life than anyone else I know I do that I. say cutting back to no paid for fund. when there's only a couple hundred left. in the budget and we're in 30% debt or. taking out payday loans and not able to. survive not able to pay for an emergency. are you here are you open open to. convers you're not even open to okay. this is a waste of time you asked for it.

so we're going to continue but this is a. waste of my time obviously going into a. car. wash go inside getting some Taquito. going get some Taquito Papa John's. Taquito to pie Society porchon what's. the porchon looks like a restaurant. getting some liquor don't do that while. you're driving and apple Bill Chicken. Express going inside getting some. Taquito going inside getting some. Taquito wow this is a endless amount of. money eating out McDonald's liquor going. inside getting some Taquito going inside. getting some toito Sonic driving going.

inside getting some toito going inside. getting some Taquito going inside. getting some Taquito going inside. getting some toito gaming funds Apple. Bill Starbucks I don't know what that. one was and there's another one on there. there's another one on there that I. don't know I think it was a job seeking. app that it was like uh I downloaded. like a job syncing app but it was a. total piece of crap and I couldn't work. it I don't remember what it was going. inside getting some Taquito Taquito. Taquito Taco Bell Taquito Daydreamer.

it's. expensive left house. LC Iron Bear isn't that a. bar and taito's Prime. video do that when you have your own. TV Alamo Draft House is expensive the. thing is I'm not against people having. fun people misinterpret that all the. time I'm not you literally just don't. have a place over your head and I care. more about you having Safety and. Security than you going to a movie.

theater maybe I'm a bad person for that. maybe I'm a bully for that and I will. accept that if that's the case I did the. lunch shift from 11: to 2: get a $2. movie at Alamo cuz I have the Alamo BP. pass which is. $20 and I spend the only two hours of. joy that I have in a day watching a. movie and then I go back to drive Taco.

Bell 30 miles to a. mansion in Williamson. County and to leave it at their door for. for a $2 tip and I'm like I just lost. money this is madness yeah maybe we're. not doing Uber Eats anymore yeah I'm not. a. quit Okay well you didn't say that yeah. that was my last month I did three. months and just to get the data to prove.

you. wrong well again if everyone lost money. no one would be doing. it 2. hours 2 to 4:30 maybe that's that was my. only moment of Joy okay listen that the. thing is and that's what people say they. immediately get upset that I'm like oh. the Caleb doesn't want them to. experience Joy that's not even close to. the case I say if we have a couple years. to sacrifice I want you to have the rest. of your life spent for joy joy we can. have so much more time than 2 hours a. day in Joy if you're willing to because.

you didn't sacrifice over this last year. and a half sometimes I have joy when I. sing you don't care about improving your. life do you no I don't I don't Caleb. that's what you want me to say I don't. no I want you to be real thank you can I. create a budget for you and actually. help you you're just you take everything. I say and you immediately think it's. like me hating you when I do not feel. that in my body you can't you can't. create a budget for me can't no I'm not. going to follow it why because I don't.

like or trust. you okay that's that's really. unfortunate because I want to see you do. better and I feel I the average guest on. this show is paid off $8,000 in 6 months. something like that I want you to be. included in that. statistic I want you to be included in. our private Discord for p guest I want. to see you make progress like all of. them yeah I'm not doing that yeah why. would you want to live a better life. when you could just live like forever. like you have for the last year and a. half why try to live a better life I.

don't trust you I don't really like. trust me I don't trust you're like you. or you're but there's nothing you would. have to rely on my trust from why would. I do that there's nothing you would have. to rely on my trust from though I'm. confused cuz I'm not holding your hand. after this I mean unless you reach out. no I'm going to keep talking. dude cuz I want you to live so allow me. to just ask. questions we want to. no no we want to set you up with a plan. okay write it down we legitimately want.

to help you let's do this let's just in. a world where in a world where you want. Caleb's help you know what I mean okay. sorry love you Caleb [ __ ] Caleb what are. you going to do with your life what is. your plan maybe we take this moment and. we say instead of you're going to follow. Caleb's plan and worship Caleb and every. I I I applied for a $20,000 Grant from. The Long Foundation which I'm probably. going to get I've met all the musicians. that I want on my album we're going to. rehearse and go to Studio I'm doing I'm. doing an album release party probably.

looking I'm maybe late fall that's. that's what I'm that's what I'm doing. I've been playing so many mics meeting. the musicians that musicians that I. loved I met a dude from Diamond Rio who. said that was good I was like holy [ __ ]. my childhood Legend you know like it. felt awesome yeah yeah like I believe in. these songs and when I play them you. know it's not always going to be the. best performance but 80% of the time.

like it's good I'm excited to hear it. man so these are people you've wanted to. work with oh yes yeah that's sick yeah. yeah so how did you how' you uh come up. with this this album you wanted to do. these are my favorite uh tin songs I. write a lot of songs you know some of. them are crap right like I'll just be. writing I write songs almost like all. the time just in my head I'm always.

humming something me too you know yeah. you're a music guy yeah and but these. are the ones that I've played and have. traction and they span a lot of. genres but they I think they have like. some kind of common thread in them like. because they speak to me so um I don't. know so what's your plan with this uh. you're so you you you think you're going. to get this $20,000 Grant I hope so and. then what do you do with this $20,000 oh.

uh we'll rehearse um put together Tony. Morris said he wants to play great. guitarist great drummer too I mean he's. multi-instrument um uh a couple Tommy. Luke was interested I want to book them. I don't want to book musicians for. session for rehearsal without paying. them because I want to respect their. time 000 going to be able to pay for all. this I think so I mean because there.

it's really it's really not we're not. really composing anything it's more like. a jam session these songs are really. open they're beat out in chord. progressions and these guys are talented. enough they can rip it right uh so we we. would only need to like rehearse a. couple of times and then hit the. studio um I think it would probably be. enough when's your timeline for this I. don't know when the grant is uh I think. it's in a couple months um their. decision wow okay how competitive is. this grant oh the.

it's the budget's like $2 million yeah. it's from The Long Foundation in the. city of Austin oh so there's a lot of. money in it there's a lot of money and. you have to promo the City of Austin a. little bit in your. materials um and in your I'm doing it. I'm my pitch to them was as an album. release party um that I would promote in. media and. um you know uh I would I kind of wanted.

to make it free too um well don't do. that I I need you to make money man yeah. well I. mean I'm getting money from the city so. I don't know and I'm going to sell I'm. going to sell albums and things like. that when will you know I can't remember. the decision date will you let us know. yeah yeah okay yeah uh is this is this. your plan is this your hope is this this. what you're aiming for that's what I'm. aiming for for sure so when it comes to. your career and the different job things.

it's we're really just we're hoping for. this one well I mean no I'm I still like. I still like digital media so digital. media do you think we could build that. out more you think we could build it out. more than seven hours a day cuz this. this is proof on paper this is what. excites me about your back then back. then when I had my agency I really had a. brand you know I had uh um a uh. design wheelhouse you know I had. designers that I recruited and developed.

and learned from it was a collabor a. collaborative process I'm more of the. information architect and you know some. guys are just you know graphic designers. that have a really great sensibility for. design and art in. general um I like applying it to the web. and um and user experience and I like. understanding the psychology. of audiences but working 7 hours a day. and bringing in 22,000 hours a month I.

know that's getting us to about $15 an. hour but I think if we really lean in we. start committing and you clearly have a. passion for this and people are willing. to pay for your talent do you think we. could start maybe inching that towards. about 20 bucks an hour 25 bucks an hour. start getting that towards 9 hours. repositioned everything back around it I. mean I would be back at $70 an hour. again are you willing to reposition or. why aren't we it it takes it consumes. your. identity is what it does like you have.

to be on LinkedIn selling all the time. you have to be writing papers you have. to yeah totally you have to be writing. papers and journals you know ux magazine. all the time you got to be. selling in uh a school of thought that's. what it really takes that consumes your. entire identity suddenly I'm not an. artist I'm like a. suddenly I'm not a musician suddenly I'm. not a journalist suddenly I'm not I'm it.

Narrows all these identities of things. that I am is is there a middle ground. between where we are now and that though. are you able to work for a digital media. company perhaps I know I know you you. sometimes come into a job and you might. you're a little excited sometimes and. that's okay that's that's okay don't. talk down to me like that I'm not I'm. not I'm not buddy you are I mean because. I have I have come into jobs I have come. into jobs where uh they're like wow what. are we doing and what can we learn from. you before you know and that's a great.

that's that's a really great space to be. in because that's a wide open. um. creative playing field right where you. can make something that's interesting. that stands out that isn't a commodity. that isn't just what somebody else is. doing right and that's what so many. people do there's just like oh let's. make it like this I like to make things. that haven't been made before that's.

what drives me like as a as a maker now. my main question with that though is are. you willing to work for a media sorry um. a company that specializes in what. you're doing as an employee a Content. writer cuz I worked at a company before. this sure absolutely applied for I've. applied for many I mean do you remember. last yeah I've applied for many of these. jobs I pay a Content writer a lot of. money right now so I know they can make. money and at my last job uh at a company.

where we sold trading sare you getting. content writing on we have a very. successful news letter uh and I work. with them to uh just make funny things. news like uh news the latest shows and. everything no it's more education in. terms of like I like to throw out. fincial guide kind of thing yeah I used. to write that kind of thing for law. firms I mean you know hey you said. people without without Financial. certification shouldn't doing that well. I was going to law school at the time. and I was fincial certification I was.

working for a lawyer I was Ghost writing. for a lawyer yeah ghost writing for. Laars but would you be willing to work. for one of these companies cuz I think. that could be a really successful career. I told you yes of course okay perfect. okay perfect um so maybe our Focus. then over the course of this next month. is if Buddy if I can get you a security. if I can pay for a security deposit down. on you know like first month's rent for. a home like I'm happy to do that for. like a studio if I do that and you know.

us being settled that allows us to apply. for these types of jobs a little better. CU it's obviously harder when around the. road oh yeah is that something I can't. even get my I can't even figure out this. uh identity theft problem yeah you know. it it's still it's still hitting me have. you called The Bu I would lock down your. credit sucks yeah have you locked your. credit yes but I'm still getting crazy. crap. do you have that as a full-time Creator. I can tell you creating engaging videos.

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times the number of video generation. credits in your first month yeah of yeah. I've got that I've got I've got my car. I've got a couple of loans jeez we. haven't even we didn't even have a. chance to talk about that no it's yeah I. do I do have that but it's not that bad. it's not terrible it's it's just that's. usually why I dig on people so hard is. because they say it's not that bad by. the way people always ask why people. like you you you ask why go in so hard. on people cuz people always like act. like oh it's not that bad but I need to. show people that it really. is you know um that's not attack against.

you Brent it's not yeah it's your it's. your it's your school of preaching yeah. it is it is and I practice what I preach. I really do um it's how I live my life. every day in terms of debt and. spending cool so that could actually be. a potential plan that could actually be. a potential plan yeah that's that is my. plan yeah okay um. can I make a budget for you yeah what do. you think rentwise I think we can get.

you in a studio for a thousand I've was. thinking about that too I was thinking. about a thousand okay so if we're. looking at a studio for about a TH or I. was thinking a room rental for like. 700 those are some those are I'm looking. at uh two places tomorrow where creative. houses you know. musicians um marketing agents brand. people those kind of things. I mean really comfortable Vibes um good. design I like that kind of thing um now.

of course uh you need to be able to Vibe. with the roommates and the roommates. would need to Vibe with you absolutely. so if we can do that that's great I'm. just going to be conservative right now. and say a th let's just assume the. studio it's better to be a little. conservative okay now I'm going to put a. couple hundred for utilities 50 for. internet I'm going to put 200 for. driving gas and honestly we're going to. you know in this content marketing that. you're in we're hopefully working remote. it's going to be a little less gas but.

again we're being conservative here food. I can get you $300 a month if you. actually meal prep no more going and. getting the toos and going out to eat. why do I do this austerity right now you. think that's all the life is that I talk. about no I just talk to people in bad. debt it's because I want you to get to a. risk-free position where you don't have. this bad debt and homelessness hanging. over your head once you have a fully. funded emergency fund then I want you to. spend 30% of your income on as many. ketos as you want I am not austerity all. day I am not the UK government that's.

not me buddy spend that money but we get. to a place where you're financially. healthy. first okay uh TP fund this is anything. you need else to survive anything. anything at all because when you break. down the budgeting. it's you your own budget go through the. budgeting program if you want to and you. learn how to build it out and follow it. every month you will decide what goes. there um are there co-pays on a monthly. basis medical things like that oh uh I. don't have health insures that's.

dangerous what about the uh exchanges. though you should be able to get on a. program that wouldn't cost you anything. on a monthly basis I tried it the. website referred me to Medicaid and then. Medicaid said I didn't. qualify and that was last year um I. don't have an address right now but I. would try again I mean when uh yeah try. again yeah when I have it not dress. again subscriptions we're canceling. subscriptions I know people think I'm. evil for that again you can't afford a.

place to live so I don't think we have. subscriptions you know it's just. priorities right uh anything else you. need phone bill what's your phone bill. um 77 okay I would switch to a cheaper. thing like helium where it's like 20. bucks a month for like similar coverage. on the same Towers when we're just. trying to cut back well I'm in a a deal. I got this because it works well with. Uber Eats and it was less than T-Mobile.

I'm guessing that phone's. financed um I think so. okay I've lost my calculator but I'm. going to use my. phone you don't seem too happy man but. again I don't want you to have a. negative experience I really don't and. you might think I'm a bad person and. evil I want you to do really well and I. I I hope I can prove that to you somehow. I really do you need 1,000 if we do this. 1,000 oh wait do you know your debt. minimum monthly payments besides the.

phone probably three or 400 let's say. four you need. $2,327 a month to live which right now. by the way you're bringing in I think. which is a little more on this content. side or if we get a full-time job in. that content side or just hourly basis. in you're working hours or or per. content delivering we're delivering as. much as we can you can easily do that. you're already showing that you. basically can so that is very manageable. this is the exci part in the temporary. austerity that you think is permanent uh. because you kind of misre misrepresent.

my position but that's okay that's. okay from there if we can bring in. $3,000 a month after taxes that extra. $700 that you have if we start throwing. that towards your smallest debt you know. this is the Dave Ramsey Way the way you. hate but if we start throwing it at that. and you pay off that debt and you roll. that minimum monthly payment into the. next debt and you pay off your debt as. quick as you can the high interest rate. debts anything that's 5% or less you can. leave pay minim monly payments they paid. off if you do that build a six-month. emergency fund that means anytime a big.

payment pops up again you won't be. homeless if you get laid off that means. if your car breaks down you can afford. the repair or you can afford to go get a. $10,000 car this saves you from ending. up in a position right now that's why. not having an emergency fund is an. emergency it legitimately. is you don't have to trust me to follow. this advice I don't care if you trust me. or don't like me I want to make sure. you are never on the streets again. because you're a human being and no one. deserves to live on the streets okay but.

you have responsibilities and you have. the ability to do this yourself I don't. think everyone who is poor as you said. or homeless is there because they chose. it that being said on your side you have. a lot of choices and decisions that are. putting you in the position you are and. I see the path forward where if you. decide to take care of your situation. you can be in a better position however. if you decide that you would rather.

present this as the middle class will. never get ahead people can never move up. to the middle class inflation 5% over. the last however many years aggregate. all these reasons that's why I'm being. held back all these reasons not my own. choices then you'll never get ahead I. was just I was just talking about in. general it's a trend well what's the. point because we're just talking about. you. well I was you. know I was fine okay you can do this.

yourself you can do this yourself let's. put aside everything else that might be. wrong in the world I care about you in. this conversation you can do this let's. stop playing victim and let's achieve. this so I really think you can do this. right now man um so Brent one thing. um that I wanted to do just before we. finish this is you know. we as we just found out that last.

episode since it was our third most. popular episode it actually made way. more money than I thought because most. episodes in AdSense only make like a. couple thousand few thousand bucks um so. you were a substantial part in getting. this in just the organic conversation. getting this channel you know really. pushing it to like the first couple. hundred thousand subscribers I think so. you know obviously in a tough spot and I. I hope you use this right I hope you use. the education that we provide the. different things um I'm able to link you.

with a course careers certificate if you. want that as well uh for different. things I don't you know that that's up. to you but one thing I really want to do. and what we're excited to do we got. $4,000 right here this is all you buddy. I want you to use this. $4,000 I want you to really put that. towards maybe a security deposit down. payment or not a down payment security. deposit first month's rent a starter. emergency fund and maybe throwing also. some towards the debt so that we can. start getting out of debt cuz I really.

think you could live a good life and I. really want you too as a fellow human. being no matter what you think about me. I want you to be successful I promise. you that okay oh thank you I'm excited. to follow your journey um now stick. around for the Post show everyone today. on the financial audit post show does. will in the Box sucks a good idea it's. like hitting a man in a wheelchair like. oh stop he's not a wheelchair. what was interesting is that I don't. know how Caleb thought that I was going. to punch him in the face last show you.

were shaking you were in Anger yeah I. mean but that doesn't result in violence. some people it does and I don't know you. to watch the financial audit post show. click the join button below.