I Had To Kick This Dipsh*t Off Financial Audit

You're not willing to admit once when. you might be wrong because right now. it's nothing but failure. Everything. I've invested in I've made money on. Like if you check my Robin Hood account. can't acknowledge you're wrong. You're. an absolute dumb when it comes to all of. this. Did you come here and think I was. going to stroke your little egotistical. entrepreneurial I feel like some of it's. justifiable. You're lost, man. You're. lost. You need a therapist and a mother. that loves you. Download my new simpler budget app today. and take control of your money once and.

for all. And as an extra limited. timeonly bonus, I will give you a signed. version of my budget friendly cookbook. for free when you sign up for Simpler. Budget Premium Annual. Hi, my name is Benji. I'm 25 years old. from Los Angeles, California, and this. is Financial Audit. Thanks for coming in, man. I know it's a. decent trip there. What do you do in LA. for a living? It's an expensive city. Yeah, I know it's rough, but um I. definitely have a job I absolutely love.

working at right now. I definitely have. a job. Good. I do. I do have a job. If I. wouldn't be a little bit of a problem. Um I'm I kind of do like classic car. restoration as well as contracts for the. city. It's a little bit of both kind of. depending on the day, but mainly the. contracts for the city are what brings. in the money. It's we're trying to do a. classic car restoration business kind of. on the side of it. So, it's fun. It's. super fun. I'm trying to get uh trying. to get more into like the mechanic side. of things. You look like the man version.

of the alien that makes the clones that. Obi-Wan talk to in episode 2. I'm just. starting to watch Clone Wars like right. now. That's actually so funny you bring. that up. Maybe that's why it's you're. converting into one. Okay. So, how much. do you make in this job? I make 26 an. hour and then uh depending on depending. on LA though, it's so expensive. How. many hours a week do you work? Uh I try. and get to 40. I kind of struggle. getting to 40 right now. I feel like my. car has been kind of stopping me from. doing that. I just have What? Uh I'm.

actually, like I said, I am a mechanic, so I've had water pump issues. I had to. change a PC. A mechanic. Mhm. Yeah. It's. still gives you an upper hand. Yeah. But. it still costs money to actually get. those parts. So, what's wrong then? What. What's it It's undrivable sometimes. Some Yes. Actually, it has been um I. wouldn't say often, but I've had to. borrow my grandma's car for the go. So, what's the issue then? That one also. broke down on me. So, yeah. And your. work sound upset of you. You're just. like endlessly like, "Oh, can't come.

Oh, can't come. Can't come. Can't come.". They're super understanding. That's the. good thing. Yeah. But for how long? Oh, can't come. Yeah. We'll see about that. I mean, like I said, those contracts are. actually like set in stone. So, there's. not actually a time where I like have to. be there 40 hours a week. It's more for. my sake like having to make the money. actually. You know, obviously I should. be working 40 hours a week, but they. actually don't require me to do like too. much on like on hand actually. Yeah. But. you want to work 40 hours a week cuz you. make hourly if not more. So what hits. your account on a monthly basis then?

How many hours a week are you on average. actually working? On average I get. around 30. So in LA I filmed with two. people ever from LA. Mhm. both 30 hours a week in the $20 range. In the 20s per hour, how the are people surviving? Definitely. Uh I feel like it's just a. little bit of uh like, you know,

finagling, finessing a little bit here. and there. Finagling. I feel like if you cut corners in. certain spots, you can you know, cutting. corners. What do you cut corners on? Like, you know, I mean, I don't really. like I don't feel like I have like a. crazy appetite. Like, I feel like I. don't eat too much. You spend $800 going. out to eat. Shut the [ __ ] up. I have. like one good meal. 800 hours going out. to eat. Shut the up. $800 going out to. eat. Shut the up. So, yeah. I'm not really sure what the. cutting corners are. I mean, I know. there are definitely go immediate.

backtrack. Okay. Yeah. Yeah. I looked at the spreadsheet as I. was sitting down. Mhm. $800 going out to eat basically. I mean, yeah, I'm cutting corners on eating. Well, I don't need to eat much. Spends. $800 going out to eat. What the [ __ ]. Feel like I would have been spending a. lot more if I actually ate like a full. three meals a day in LA. I feel like it. would be probably like $2,400 a month. Or you could grocery shop. I feel like I. do grocery shopping from time to time. It's just from time to I feel like I do.

What the What do you say, buddy? I don't. want to brutalize you out of the gate. What? What is I feel like I grocery. shop? What? Like I feel like I grocery. shop or even worse, what is the Yeah, I'm cutting corners to actually, you. know, make things work as and I'm not. really eating. Chuck, that's not true. Immediately, that's the one thing I. looked at as I sat down. Other than. that, I'm going in this blind. I was. like, I'm curious. What is this dude. eating out? You know, what is this dude. eating out? I don't know why. Usually, I. actually don't look at that, but when. I'm sitting down, but I looked at it. specifically.

Mhm. And it had to be the one thing you. immediately just try to [ __ ] on. Come on. You're sitting here. You came. from LA. What the Yeah. I mean, you. know, I was I feel like I feel like food. is one of the things that is like kind. of like a, you know, like you get a. little bit of a excuse, a little bit of. a pass on it. I was a chef and you know, I feel like it is like I can cook. You. were a chef? I was a chef. Yeah. I mean, are we talking [ __ ] Applebees or what.

are we what are we doing here? Uh, you're 25. It was an Italian restaurant. I mean, if you want to actually know the. name, you know, I don't, but I'm. assuming it's Olive Garden. It was not. It was It was fine dining. It was, you. know, I learned how to actually do. proper prep and, you know, make good. quality food. But I sure, which means. you could cook at home is what I'm. hearing versus I'm a chef, so that'll. excuses me to go get McDonald's every. day. It's it's the time that it takes to. actually make those meals. I feel like.

meal prep. Who likes meal prepping in. reality? No one. Who likes dying in. poverty? Apparently you. I wouldn't say I'm dying yet, but you. know. Yeah, but you're on your way. Your. mid20s. You're going to be the person. mid-30s who can't afford Well, you're. the person in your mid20s who can't. afford a car repair, i.e. the car that. gets you to the job that gets you that. hourly pay because you live in a driving. city. So, I think you've already put. yourself in the cycle of you. I don't. think so. I feel like, you know, what. what I feel like I feel like being on.

like Oh, defensive defensive man. Okay. I feel like being on the edge right. there is like a smart thing to kind of. you know what like being on the edge of. what? Like I feel like living on the. edge it's fun. It's kind of like it's. fun not being able to get to work. Hi. boss, I can't come in. I mean that. part's interesting, you know, but it's. you know what an edge to figure out at. that point like oh okay I my car broke. down. Now I got to figure out how to. make that extra money. How do I get a. little side hustle going? How do I, you. know, why make your life.

Why make your life hard mode? I don't. understand. Put myself on like hard. mode, but I feel like, you know, but. you're saying it's interesting. It's. fun. What are you talking about? It's. not fun to Well, I'm assuming you. probably spend more than you make on a. monthly basis. You're on the show, so. you probably do. I'm assuming you have a. lot of bad debt. You do. Okay. Yeah, that's fun. What's your retirement? I. feel like I don't have any retirement. Oh, so fun. I feel like it's a it's a good. challenge. Like let's say, you know,

it's a challenge, but you're noting. trying to complete it. I would say that. I am. I would say if I looked at myself. from a from like a a two-year past. standpoint to now. Why the [ __ ] are you. here? Huh? I definitely feel like there's change. that's possible, and I always feel like. everyone's capable of change. So I. definitely think like I said from 2. years to now I have changed so much for. sure. So worse. No, for the better. Absolutely. For the.

better, man. If I came on this show two. years ago, it would have been it would. have been terrible. I feel like I. wouldn't even have known what to use. How much did you spend last month? Um. last month I would say probably like. around 2,000 or 3,000. Hm. 2,000 to 3,000. Okay. So, what hits. your account on a monthly basis? Let's. start there. Yeah. I. mean, what cash is being deposited, by. the way? Because there's cash being. deposited.

So, that was a zel payment if I'm. correct. Nope. That would be zel. What. cash is being deposited? Um, I'm not. even really sure what that cash deposit. is. Okay. I had $1,700 hitting your. account. from Well, looks like your income. What. hits your account on a monthly basis. with your income? Uh, depends. Like I. said, on the range that I work, you're. kind of average guy. I would say like. 2400, something like that. Okay. 24,400. Let's say 24,400 hits your account on a. monthly basis. And you think you spent. 3,000?

Yeah, about something like that. Okay. It's just you improving. I feel like from before. Absolutely. So, we're going to pat ourselves on the back. for overspending by. 600. Woo! I'ming destroying my life. But at least it's not what what are you. talking about? It's kind of a valid. argument. I feel it's not a valid Okay, then you're never going to get anywhere. Then I don't know what the talking. about. I feel like there are people that. are in worse situations than there are.

Why does that mean you can be in a bad. situation? But because it's not the. worst situation, your situation is all. of a sudden good. It's not. Why is you. not living your best life? Okay. Because. other people have it worse. I'm not. saying my position is good, but I'm. saying you just said it was a valid. argument. It is a valid argument. I'm. saying it's not a bad position, but it's. not good. I'm not sitting here saying. like it is a bad position. You spent. more than you made. You spent. $3,34. So if 2,400 comes in, you spent. $900 more than you make on a monthly. basis. In.

fact, of the 2,400 that comes in, you. spend 37% more than comes in. You spend. 37% more than comes in on a monthly. basis. Mhm. And that's not bad. the is LA? I feel like I can we can both agree on. that one for sure. LA is definitely What. are we talking about here today, guy? You know, I mean, I just feel like I got.

like a I feel like what I mean by like. living on the edge, I feel like I have. like a nice complicated What is this? Obsessed with edging, dude. What are we. talking about? Tell me. What are we. looking at today? What is your life? I. have a pretty complicated living. situation. So, I feel like, you know, at. the moment, it's actually not bad. But, you know, okay, what what's going on? I. feel like if I have if I were to have to. move, I feel like it would get a lot. worse right now. But, at the moment, my.

living What does that mean? Are you like. living with your parents or something? No, I mean, I live I'm kind of living in. like a family apartment. So, like I've. had this apartment in my family for like. 30 years. Rank controlled? Yeah. Mhm. So. my dad lived there since he was man 20. with my mom and then my brother moved in. and No wonder they don't build housing. there. Who would have thought? Mhm. It's. almost like the places with that policy. have the most expensive rent. Yeah. So anyway, I had just actually. gotten back from the States or to the. States and I ended up taking that.

apartment. So I've been in there ever. since and it's amazing rent. It's super. cheap and everything. But good. Then why. would you leave? What's the complicated. part? There's I believe there's some. mold growing underneath in the basement. I'll have the landlord take care of the. mold. So, I actually contacted the. landlord. They had an inspector come out. and they were like, "All right, yeah, we. need to check this out. We're going to. get on to something." And nothing's. happened. I hit I contacted the landlord. again. It's actually not the landlord, the initial landlord that I Well, they're honestly probably legally. incentive to do so, but because of your.

situation, they are not uh financially. incentive to do so. Exactly. You're. which usually produces worse housing. You're right on the money. Yeah. So, at. the moment, I had that landlord that we. had known from the family for like 35. years. And he actually made a deal with. my dad when he first moved in like, "Hey, I know that, you know, you have a. lot of properties to manage." He was. managing like 15 properties. So, he was. like, "Hey, I can do the maintenance for. this place. So, if any of the tenants. have plumbing issues, whatever it is, I. can handle it. Just give me a little of. a break on the rent." So, that's how we.

actually got that little bit. Obviously, your dad has failed. There's mold. growing. Well, yeah. I mean, I feel like. once he moved out, obviously it got a. little When did he move out? 15 years ago. It's been a while. My. brother Oh, my brother moved in. Sorry. So, yeah, it was my brother moving in. and then I moved in after. So, and you. know, I've done what I could to, you. know, help with the financial stuff. I. mean, not the financial, the maintenance. stuff as well. And we've always told the. landlord like, "Hey, if there was. something that we can't handle, we'll. hire a plumber or an electrician and. then send the bill to you." So, our.

landlord was super cool and. understanding this whole time, but he. recently passed away and the kids took. old. No, just from old age, thankfully. He's got up to like 95, so he had a good. life, but his kids took over the company. or took over his property management and. he didn't they didn't really want to do. it. It was a lot. So, they signed it. over to a property management company. Oh, yeah. And that person, you know, they've been trying to sell it for a. while and the kids have been trying to. sell it. who would buy it.

again. It's been listed for you're in a. city that discourages housing being. built, a city that discourages new units. being opened because your family just. stays there for generations. Discourages. actually keeping the properties up into. current repair cuz why would they? And. now discourages them from selling the. property to people who might actually. want a management. Yes. What a very. productive city. Mhm. Yeah. Nothing's. even up to code in that house. like. nothing's up to absolutely not.

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in the rent controlled situation. Capital what, 3% a year or something? No. If I do sell it, they've offered a. buyout. So, I would buy out of your. lease. Uh, yes. So, would you take it? Why would you take it though? You have. the legal protections. Like, again, you. are incentivized. You're hurting the. market. You're hurting other renters, but you are incentivized to stay there. as low as you can. Mhm. Yeah. And I plan. on staying as long as possible, but at. the same So, why would you accept their. buyout? Because it seemed like a sizable. buyout. What's the buyout? Do you know.

the buyout? He offered $40,000. Yeah, cuz I bet it'll jump up to like, well, what's your rent? It's $972. So, it's the cheapest rent you can get. in anywhere in LA. So they're kind of. like, "Hey, you got mold in your. basement, but the rent's 972, so you. kind of just got some legal. obligations." Oh, I agree. You know, and. I' I'm sure if I had the knowledge and. the skills to actually take legal. action, I'm sure there would be. something I could do. But, you know, 25-year-old living in LA, I'm not really.

I'm not a lawyer. So, what are you going. to do with the 40,000? How how quick how. quick will that go, though, if you all. of a sudden have to get like the median. rent? We looked up onebedroom median. rent for the episode we filmed for LA. um a little bit ago and one bed for the. LA metro, meaning even the furthest. edges. I don't know what part you live. in, but it's $2,000. So, that's I mean, just the. $40,000 about $2,000. I mean, that gets. you 20 months of rent. So, I mean, that.

helps. And they're telling me you. apparently live in one of the nicest. areas. So, we're looking at like $2,600. for just something mid. Mhm. So, I. actually I live in Pasadena, which is. one of the nicest and most expensive. areas. Surprisingly, I have a very cheap. apartment that's not nice and expensive, but I actually work in Walnut near like. City of Industry, and that's a lot of. more cheaper, like not fully developed. area. So, if I were to be bought out, I. would most likely go there and probably. get somewhere around that area where.

it's a lot cheaper. Okay. Well, I want. to see well someone someone who gets. into these kind of bad finances, someone. who spends way more than they make on a. monthly basis, $40,000, that would be a. lump sum. Obviously, your rent's going. to go up, but I want to see how you. think you'll pay. Can I whiteboard this? I want to whiteboard this. I want to. take a little look and we're actually. just going to film behind you as well so. that the audience can see it. I want to. see what you think $40,000 would go to. Draw out for me your game plan of how. you would use $40,000. Okay. So, sorry. And let me keep close.

here. So we got. 40,000. 40,000. Probably start with some car. Actually probably start by paying off. any of the debts. So whatever that would. be, I would probably allocate like. $8,000 to all of that. Take off debt. Oh, so you're immediately fixing your. debt without uh fixing your behavior. that got you in the debt in the first. place. Okay, great. Mhm. And then we're. That's going to turn out so well. It's. always turned out so well in the history. of this show. gonna get the living. situation set in stone. So 2,600 for.

your area if you want to stay in the. same area for the first month and a. minimum first. So let's say closer to. three per 3,000. Great. So then make. $2,400 a month. This is off to an. amazing start. So an apartment and then. we'd repair some probably repair the car. so we wouldn't have to worry about that. anytime in the future. Okay. You put. $3,000 that's one month. So the $40,000. So this is I mean I.

still have a job. So you know get moved. in, get set, make $600 less than your. rent. Yeah. But you know at the you know. getting my girlfriend to actually we. have we're splitting bills and you know. how much does she make? Uh she makes 22. an hour. Okay. So 75% of your household income. goes to rent. And then and being able to. So you're covering one month rent. So, if we if we We're at 12 We're at 11,000. so far. Yeah. I feel like that's a lot. of money left. It is. And with one month.

of rent. Yes. And if I were to move. somewhere that was closer to my work, I. feel like I would be able to work a lot. more hours. I wouldn't have to worry. about my car breaking down as much. because it's a 40minute drive to work. that actually is very hilly. Keep going. So, it does it does a lot of damage to. the car itself. Hills in LA. We would. have never thought. Keep going. M. So, I. would say the car repairs would probably. be around. $1,600. So, car repairs. Reminder, you're 3xing your rent even though you. can't pay for that $1,600 in car repairs.

right now. Mhm. And I would get So, we're at 11, 12,600. So, I mean, I'm questioning the schools. in LA right now. Yeah. Have a good. amount of emergency fund. Could probably. even put like $20,000 to an emergency. fund or something like that. Lovely. Yeah. So, let's do $20,000 for an. emergency fund. In reality, it would. probably become 43,000. We're at 23 or. 33,000. 33,000. 33,000. Was the next.

seven seven would final seven probably. be Let's see. I mean, it would probably. be smart to put, you know, more. allocated money towards rent and stuff. like you said. Two months and a week. I mean, it's something. It's definitely. better than one month. What happens. during month four? Well, by that time I. will have hopefully, you know, I have my. emergency fund and I'm hoping that I'm. working. So, you drain your emergency. fund over the course of but see the.

flaws here. I think even though that. system again encourages behavior that. [ __ ] everyone else, you are in a system. where if you are selfishly take care. taking care of yourself, uh you should. probably stay there except for the uh. mold situation. We obviously, but that. there are legal obligations of the. landlord. Uh, so you have about 6 and a. half months and then you join your. emergency fund and then you're on the. street. I don't think so. Like I said, I. feel like if I'm in a situation where I. can work more, you get an extra 10 hours. a week. Okay. So, we boost up to.

$2900 on a monthly basis. Great. Okay. $100 under your rent without. utilities. And when we actually planned. to this guy, we actually had a plan for. when we did decide to leave. One of our. friends would plan on moving in with us. He lives with his parents right now. Okay. But that means you have to get in. a more expensive place though. Yeah. You. don't have to cover the whole thing cuz. you'll have a friend helping. But you're. not getting a $3,000 place anymore. Maybe we're getting like a $4,000 place. And if for some reason this friend ever. moves out, if the friend ever dies, if.

anything happens, and then you got a. $4,000 price tag on you. Yeah. Yeah, better get them on the lease at a. minimum for legal obligations. Yeah, I. feel like that would definitely be. something that we would do. I don't. think it would be something where it's. like, "Hey, just come move into our. apartment with us." Yeah. I don't know. You spend $900 more than you make on a. monthly basis. I'm not really taking you. as the person that makes sound. decisions. Mhm. Yeah. I mean, the plan. isn't to leave that apartment, you know? I mean, I know I have a gold mine there. right now as it is. So, I would. definitely try and stay there as long as.

I possibly could. Yeah, you should. Cuz. even your $900 in rent, right? 912 972. 972 Yeah. is already 40% of your income. You're. over the 30% I'd want you to be. Mhm. So, this is so stupid. It doesn't make. sense. You say you But your girlfriend. doesn't make much. Okay. How long have you guys been together? Uh, coming up on 3 years. So, what's the. question then? Are you asking whether or. not you leave or stay? What are you.

trying to do? And by the way, your. little consolidation of debt by using. the lump sum to pay it off isn't going. to do anything. Look, you already spent. $900. You spend what was it? 35% more. You spend 35% more than you bring in. And you think paying off your debt in a. lump sum is going to work. No, you're. going to rack up your credit cards. again. You're going to be like every. single person that's ever been on a show. that has done a consolidation before or. a credit card transfer before. Mhm. Or. uh bankruptcy before. I just build it up.

Yeah. I, you know, like I said, I. wouldn't plan on leaving there at all. So, I'm So, what are we talking about. then? I'm happy where I'm at right there. I. just, you know. So, what are we talking. about then? I. just not really. um I don't know. I'm just set on um I. feel like that's a good living. situation. I feel like my job I feel. like Yes. And I agree. Like I feel like. all that stuff is like so what the are.

we talking about? Like I definitely feel. like everything I have is like right on. the edge. And so like you said, if stuff. were to fall out, I definitely would be. like in complete despair. I don't know. why your company hasn't let you go yet. So yes, that is true. So yeah, I. definitely think you know trying to. figure out exactly what you know would. be the best. Mhm. the best in terms of what? In terms of, you know, the next step of what the.

future would be and everything. Okay. Okay. So, you might get let go. from I mean, who even knows? I don't. know how they've kept you. This is the. career you want to do, though. This is. what we're sticking with. No, I mean, I. definitely love it and like I said, if. it if it branched off into something, I. would be super happy about that. But. what do you mean? You know, like if it. were to be something that blew up and. was like something where it was making. tons of money and blew up. You're a. contractor. I'm not a contractor. I was.

signed on. We do contracts. Yeah. For. the city, but I'm signed on. How are you. going to if it blows up? How do you make. that? So, we're talking about from the. classic car restoration side of things. If it were to blow up, if we were to get. more clients doing that stuff, that. would be a side of things I would be. interested in doing because Sure. Why do. you get the pot? Because I'm doing a lot. of the work right now that is actually. going into restoring those cars. So, and. on your contract, it says if it makes a. lot of money, you get a percentage. Yes,

on that part. But what I'm hoping for is. those bosses really like me. So, if it. gets to the point where it does do. something and they start to, you know, get ready to retire, they could pass. that. Are they ready to retire? How old. are they? They're getting close. Why. would they pick you? They're both in. their 50s. Neither of them have Neither. of them have kids. They're business. owners. They're not going to do the 59. and 1/2 retirement. Trust me, they're. definitely getting tired of it for sure. They've both moved out of California. They're both ready to live their, you. know, just high life and just chill. So, if I were to, you know, get that.

business inherited, I would absolutely. stay. Why you? Because I'm the only one. that's really working there putting them. kids. They don't have family. They have. nothing. No kid. They have They both. have wives, but other than that, I mean, they Why did I think they were together? I was very confused. Okay, that makes. sense. But yeah, so if I were to get. that company, I would not then what? If. not, cuz you're banking a lot on that. If not, no. You know, I'm trying to. start my own company and kind of like. the EDM world. So a company in EDM. Mhm.

So I mean there's a lot of companies. Is. that just [ __ ] selling like I don't. know what what is a company in EDM? No. So you know I feel like there was a huge. untapped market in EDM with how much. it's blowing up right now. You're right. There was 15 years ago. I feel like. there was there still is a lot when it. comes to stuff like artist interviews, when it comes to like lifestyle brands. and stuff. Lifestyle brands. Oh, wow. We're getting a lot of just like terms. Mhm. So, I feel a lot of very narrow. ideas. Okay. Not very honed in. Go.

ahead. Go. Please continue. I'm very. curious. But I feel like that Please. continue. I'm very curious. There's. something I feel like untapped in that. market. Tell me what it is. when I like. watch for examples when I was looking. for you know like get to more know more. about the artist and get to know more. about the scene I feel like it is the. niche artist not even niche I mean I. feel like they're getting like the EDM. scene starting to get more mainstream. now to the point to where it is actually. getting big yeah but the niche artist. were you looking at a niche artist or a. worldwide famous artist then both of. them I feel like even with the worldwide.

famous artist the worldwide famous. artist is not getting covered then. there's no market for them to get. covered because trust me it would have. found itself by now I definitely feel. like there's coverage, but I feel like. the way they're covering things Cool. What would you do? I I need to I want to. hear this because this is if this is. your fallback. This is an important. revenue stream apparently. I need to be. able to vet this. Please tell me. I know. you like free things and I'm giving some. things away for free right now. And let. me show you how to get it. First, I'm.

giving you a limited edition financial. audit Tumblr, plus a 30-day trial of. Simpler Budget Premium to new users when. you buy my four class bundle. This trial. is normally only 14 days, but I'm. doubling it just for those purchasers. And do you just want one class? No. worries. You'll still get access to that. 30-day simpler budget trial. And act now. because we're winding down our intro. pricing at midnight on April 23rd. So, this is the best price you'll ever see.

on these classes. So, if you're feeling. stuck or intimidated by your finances, you're not alone. And now is the best. time to get started. Grab your free. limited edition Tumblr, sit back, and. finally take control of your financial. future. Or don't, and you can end up. right. here. So, when you're looking at artist. interviews and stuff right now, you're. just looking at the most like rinsed out. stuff. you actually don't even get to. really know about anything at about the. artist, about the scene itself. So, I. want to hear what you would do. What I.

would want to do is actually get into it. like more on the ground. So, have like a. media team like at the festival grounds. at the show. You have a team. That would. be the goal. That would be the long-term. goal. High upfront costs. Sure. At the. moment, I've been doing it all by myself. and I can do it myself and it's Wait, you've been doing this? This is ongoing. Yes. Oh, sick. How much have you made? um off of the actual YouTube itself. I. have business the YouTube. So off of. Okay. So this is a channel. It's a. channel and as well as I have a website. that sells merch. Business in total.

What have you made and over how long? Um. probably been about 2 years. I've made. probably like a couple thousand in. profit. 2,000 in profit. Okay. I don't. know if this is a fallback. Um it's. definitely something I've been putting. in proven itself. I don't know. I think. so. I feel like $2,000 in two years. That's $1,000 a year. I feel like those. have been strictly in clothing sales. And buddy, this sounds like a hobby. I'm. sorry. I feel like at the moment it is. But what's your plan for turning that. into a whole business? Is getting more.

uh trying to get more media credentials. So once I get, you know, more of a a. populated, you know, people actually. knowing the name, getting the name out. there. Okay. But you're talking chicken. and egg. How do you get the name? Just. by mean going out there, going to shows, going out and talking to people and all. that. But I feel like, like I said, the. clothing brand that helps, but well, the. clothing brand isn't, you don't get name. from the You need to be able to sell. your clothing brand. Again, that's. chicken and egg. That's a brand clothing. brand. I've made quite a lot of sales on.

that. You made $2,000 in two years. Mhm. And I feel like that's on just one item. itself, actually. So, I've had I mean, you know, I've had quite a lot of. orders. I feel like that was in strict. 2,000 hours in two years. Mhm. I feel. like, like I said, I'm not trying to. tear down this idea, but I also want to. bring you to Earth. Yeah. And I think. every time I've like worn my clothes in. public, every time anyone's seen them, they're like, "Yo, those one." No, but. Good. Thank.

But they um I mean, this is from Vans. So, I mean, this is it's a kind of like. a sweatshirt, you know, obviously the. movie Shrek. So, it had like the S from. Shrek. You know how the S has the ears. coming out? One said [ __ ] and like the. Shrek font and then the other one said. daddy and it had the font like that. So. get to $10,000 in sales and have them. copyright you. Yeah, it's possible. But. I mean, do you see how many people are. making those kind of like knockoff the. brands try to go make money or get a cut. from it? I'm sure they do, but I mean. there's so many and it's few and far.

between. I feel like it would be Yeah, but if you're a big player, they'll go. you can make your couple thousand. dollars, but in order to make a living. off of it, Yeah. they're going to want. their piece. Mhm. So, I definitely think. that was my most profitable sale. But. getting a brand that you did not getting. people onto that website and looking at. my other designs, then people would be. like, "Oh, okay. This dude has some. other cool designs. Let me try and. That's like me launching a YouTube. channel. I take a Dave Ramsey clip, but. I just photoshop my face on. it." I was like, "Look, I made a. successful business." I mean, that's the.

thing. A lot of people are doing that. now and it works. Yes. But they will. Okay. All right, let's get into this money. then. That's a scary career fall back. because that's not a you're going to I. mean you would have to I'm okay with. that. I love the entrepreneurial spirit. I'm okay with you pursuing this. It's. going to be more of a hobby and then you. turn it into a full-time thing, but as a. fallback that is very scary for a job. you do not show up to reliably. So, I. don't know why they I don't know why. they keep you around. I'm just saying. like in the risk of a not.

ubly low percent chance that they would. let you go. Mhm. Cuz you're not a reliable if I if I. wouldn't know if I wake up and I. wouldn't know if my employees going to. be there. Mhm. Like they might be lazy. Sounds. like they're on the way out. Maybe they. don't care as much. But maybe the new. person who would run it who might not be. you uh would rather have a a player on. their team instead of a D.

player. I'm just saying that's a scary. fall back. That's a scary fall back. I. would need you to fall back into. preferably a career position that makes. money. My particular fallback. That was. more like my life goal. Like being like, "Oh, that's the goal. That's what we're. trying to get to. That's even worse. I'm. sorry. That's not worse. That's not. worse. That's okay. That's okay. That. was my goal. I'm very confused. Are you. going to own the business from them or. are you going to do this? Cuz both It's. going to be hard to do the same at the. same time. Both at the same time. Um, I. would try and do both. But it would be.

really which one would work out more. You would be split and neither will work. out because you'll be split. Listen, there are people who run multiple. businesses, but they take a business, they grow it from nothing to 100, and. then they start their other one. They. don't try to do two at the same time at. the equal starting foot, especially. building one from zero. the other one's. at like 50%. You're like, "Oh," it's. like you just get split. You get. separated and then both fail. Okay. Where do you think your finances are? 0. to 10. Zero being the worst, 10 being. the best. I would say like a three or a.

four. You're on the show, buddy. I. promise you're okay. But it's a good. That's I know where you stand mentally. Me. Okay. Uh go to calehammer.com and. take the assessment if you want to. figure out what your hammer financial. score is. You can also click the link in. the description below. If you want to. come down here to Austin, Texas, we'd be. happy to have you in the studio. And. it'll be it'll be our brand new studio. by the time you're seeing this. So, that's exciting. Go to. calebmer.com/supply. We'd be happy to. have you. Okay. I got a city advantage.

card. What's going on with this card? What What we got? What we got here, guy? Yeah. So, I mean, I opened that card. years ago. That was actually the first. card I ever opened. My mom helped me. open that one. And that was right when I. got back from the states or to the. states. I always mix that up. And yeah, I feel like it was initially meant to. help kind of just pay off some bills. And I didn't really understand concept. of credit cards, so I just kind of. splurged on it. I had just gotten back.

from volunteering a lot. So I just came. back and was just doing a lot of like. kind of materialistic spending. When uh. that was around like 2017. Okay. Then. what the is happening now? Cuz it is. maxed out. Yeah. I feel like it's just. been something about 2017. I just feel. like it's something that's never been. able to kind of like bounce back from. That's not true. You're spending on it, you little. tit. That's not bouncing back. No, there. needs to be a way for you to spend 35%.

more than you bring in. I'll tell you. how. A credit card, buddy. It is maxed. out. There's If you If you went crazy in. 2017, okay, you went crazy in 2017. Wonderful. Good job. Yeah, minimum. monthly payment would have brought it. down from the max in 8 years. Yeah, I've. definitely still spent a about 2017. You'reing up now. I've definitely still. spent on it. I feel like i.e. $5875 this last month alone. Mhm. So, what are we talking about? I don't care.

about 2017. Mhm. I feel like that was. just then was like the like really. irresponsible spending. I feel like now. this is not irresponsible. Taking it to. the max right now. I feel like all the. things on there though are more. essential items like food, gas, stuff. that Yeah. What do you qualify food. essential? Essential food. Buddy, buddy. Buddy to put in your stomach. Buddy, buddy, I'm looking at the purchases. I'm. not reading right now, but I know the. highlighted ones are [ __ ] And guess. what? About 95% of them are [ __ ]. So, [ __ ] you. I mean, you're just you're. lying. You're lying. Or you're just. completely brain dead in terms of what.

is actual. necessities. You're lying. Lying to. yourself. hardcore cope thinking you're. this big guy, this big entrepreneurial. guy. I'm doing everything right. No, you're not. And you need to be brought. down back to earth, not to be mean, but. so that you can actually live a halfway. decent life because it is not going to. help you babying you, giving you the pat. on the back that you think you deserve. by not being the worst. I feel like a lot of people take those. kind of like corners cuts when it comes.

to food, especially, which you bragged. about being a corner cutter. So, second. time bringing up a corner cut, saying. you did it first and now you're saying. other people do it. Okay, go on. Let's. hear how this ends. Yeah, because I feel. like food is one of those things where. it's like people struggle with food. because they're just like, man, eating. food. What is struggling with food? If. you're meal prepping, for example, like. you said earlier, it's just like, man, they get tired of eating the same thing. over and over again. They get tired of. what's doing all What do disciplined. people do? They commit to it, I would assume. Cool. Wonderful. Great. Go on.

I don't think that many people would. want to commit to something like that. Want to? It's not about want to, buddy. Is that. about Do people meal prep because they. want to? Or do people meal prep because. they have a goal that they want to? They. don't meal prep because they wake up and. they're like, "Oh, nothing's ever sound. better than meal prepping." No, they are. on a diet. They need to budget and they.

want to do those. So they are doing the. action that is less than pleasant in. order to do those wants. No one wakes up. and says, "Man, the most fun thing I can. think of today is meal prepping." No, nobody wants to meal prep. Nobody wants. to. No. People want to not cook during. the week, so the action is in meal prep. People want to lose weight, so the. action is in meal prep. People want to. budget and not eat out all the time, so. the action is meal prep. No one wants to.

meal prep. No one wants to only spend a. couple percentages of their income while. they're in debt on fun. They want to. spend more, but they want to get out of. debt. So, they do the thing that is less. than pleasant in order to get there. Never bring up again that people want to. meal prep. Nobody wants to. It's not. about that. It's about the. goal. Picture this. Your phone's buzzing. all day with calls from debt collectors.

Every email is a past due notice. Knock. on the door could be a debt collector. Who is it? Your wages regardless. So, you can't afford groceries. You can't. fill your gas tank. You can't get a car. loan. Can't rent an apartment. And no. shot at buying a house. You can't sleep. You can't eat. That's the reality of. living in debt. And it's happening to. people like you every single day. You. don't have to live like this. Contact. PDS Debt. They've helped tens of. thousands of people live debt free. PDS.

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Listen, when I was in debt, I struggled. to do anything I could barely afford to. move if I had to. And I wish this. service was around once I fixed my. behavior. It helps. It can get you there. faster. So, honestly, you're 30 seconds. away from being debtree. Get your free. assessment and find the best option for. you right now at. pdsd.com/hammer. That is pds. debt.com/hammer. pdset.com/hammer. I've never meal prepped before, so I. guess, you know, I guess I haven't. really thought about it that way, but I.

mean, you've never done anything before. until you did it, buddy. You were born, you never did anything other than being. born and then you did for the first. time. It's not that big and scary. It's. not. skydiving. I like I don't care. Listen, use our cookbook. Use our cookbook. You. get you get a copy for free. Everyone. that signs up for the premium version of. our budgeting app, Simpler Budget, which. I highly recommend for you, gets a. signed version of the cookbook. I'll. send it directly to you and our Simpler. Budget Founders Edition journal as well,

which we'll give you before you leave. I. didn't know you had a cookbook. That's. pretty cool. Yeah, it's right here. Oh, okay. Oh, yeah. Okay. So, yeah, that. at least helps. You just follow a. recipe. I've never meal prepped. What? All you have to do is cook, freeze, cook, freeze, cook, freeze. This is not crazy. Again, this is not. skydiving. I This This is not the. scariest thing to try for the first. time. Mhm. I just feel like a lot of. people, you know, I don't think many.

people I've talked to really do meal. prepping like that. So, it's something. where I've just never been like, "Oh, that's my like that's the thought. that'll get me out of like debt is meal. prepping." The majority of people I. know, I go out on the street, I'm a. majority of people, they're all. financially, so that's okay for me to. be. your logic and all these things are. I just hadn't made that connection of. just being like, "Well, I eat out too. much, so let me start meal prepping.". Like, that wasn't a connection in my. brain where you haven't tracked your. spending at all. Not really. No. Then. you don't even know if you're doing. better than you were a few years ago. I.

mean, the first card I'm looking at is a. max out max out credit card. Mhm. Sorry, I don't think I ever said the balance. $2,50. 95 minimum payment $123.87. Mhm. $51.92 of interest auine. Yeah, I feel like I did do slight meal. prep practice, you know, a few years. ago. I was doing some like gold. prospecting for fun kind of at a little.

bit of a time. But So, what are you. saying then? I was just saying that I. kind of had like a little bit of an idea. of it and you know, maybe I could try it. again in the future. That was something. I was doing in the past. But yeah, I. just never made the correlation of being. like, "Oh, that's that's something. that'll save me money." Correlate then. Okay, there you go. Helpful tip of the. day. Like, I'm. sorry. I just think that was something.

that. was like a time where I was doing solid. financially, I feel like. So, I think, you know, that. was why I brought up like that was like, "Oh, that's something that makes sense. You could correlate those together." And. you said you're prospecting for gold. Like, what the even is that? This is the. person I'm dealing with. No offense. Um, the person who thinks they're. prospecting for gold is a good career. choice. Is the person who thinks that. going to EDM music festivals is a good. career choice. That taking copyright.

brand and selling those is a good career. choice. that they think they are going. to get the business that they barely. show up to work for is going to h like. come on what a narrative we're telling. here like now the more I learn the are. we doing you're a gold prospector got. you a little pickaxe and like what are. you what who who am I talk what are you. talking about why when that was a few. years ago and I for what reason this is. not the 1800s it that's still profit.

There are still people gold prospecting. You always bring up other people. How. about you for once? You look to everyone. else except for yourself for some reason. when you talk about literally anything. Did you make a grand profit? I wouldn't. say a grand, but we made Well, then I. don't give a If you made enough money. for it to be good, you'd still be doing. it. Mhm. So, what did you make? Made a couple. thousand dollar. It was enough to pay. for your rent and pay for food and.

everything. And Yeah. For how long? a. month. I think it was like 3 months we. did that for. But why didn't you keep. doing it if you were making enough to. survive? Uh cuz in Southern California, you're only allowed to do so much. And. what does that mean? There are laws. permitting you from doing an like a kind. of like excess amount. You of gold. prospecting. Mhm. There's only They. know. I wouldn't say they know like. they're tracking you, but I mean if you. see someone coming out with coming out. of what? coming out of a canyon where. you're gold mining. Come. So, you're.

going into a random canyon and mining. for gold. Yeah. With my roommate. It was. super fun. And I mean, it's profitable. if you put in the work. And I mean, if. you go to a place like everything else. that we've talked about, yes, it is. profitable if you put in the work. Somehow you don't seem to do that. I had. put in the work when we were in SoCal. Like I said, there was only so much we. could do there. SoCal. Well, I said I was in SoCal. When. I was in SoCal doing that, that's where. I was mainly doing it. But like I said,

if we were going to somewhere like. Alaska, if we were going somewhere else. that it was much more rich and there. were actually permits and stuff for us. to be able to do it, that would be. something we'd be able to venture into. But that takes a lot of capital to put. it down. And this is what I talk about. with that split. The split of I'm going. to try both businesses. You don't know. what you want to do. You get excited. about something, then you do it for a. few months, and then you're off and on. to the next thing. Which means I know so. many people like you. There's an. entrepreneurial spirit that that I. legitimately do like and appreciate. But.

if you can't dedicate yourself and sit. down anding narrow your focus, you're. never going to end up anywhere. successful. You're going to be doing. this same thing, a new thing per quarter. for the rest of your life. You're going. to be chasing like get-rich quick. schemes or something like eventually. you'll find yourself in something like. that. Mhm. I don't I feel like I'm smart. enough to not get myself into I don't. think so. You spend $900 more than you. make on a monthly basis or $800. I don't. remember at this point. It's been a. while since we talked about that. I. don't think so. But I think those I.

think it's something where it's like I. feel like I see an untapped market and. it's definitely something I could do. I. just don't have the tools to do it. But. which one which market are we talking. about? Let's say the EDM one for. example. Like you don't have the tools. What's the tool? A camera. I started. this with a little camera. Uh media. credentials. I started like you said. with a camera is definitely something. that I've already started doing myself. But to do something where it's like why. are they going to give you media. credentials? That was would be something.

I request to do something like I said. they give you artist interviews. Why. would they give you? Cuz I feel like. that's something where if I were to. build my brand more, I would be able to. represent chicken or egg. You build your. brand by being able to do those what you. need your credentials for. But you need. a brand that is built in order to get. your credentials. So I don't understand. this business plan. It is not making. sense. And then we have a maxed out. credit card. And you're going into a. business that does not have a proven. track record of profitability of. something of a brand that you own, not. Shrek years. And we're going in with a.

maxed out credit card. One that you're. still already spending on. One that. takes 9 years to pay off. By the way, you tried to talk about 2017 8 years. ago. Meaning this would have been paid. off essentially by now if you didn't. purchase on it. You only did minimally. payments. So that is the life of a smart. person. I go waiter. snitchel a critical thing. Uh necessity. as he said. Subway Uber Eatats. eBay.

eBay. Taco Bell. TCG. Player. eBay. eBay going inside getting. some [ __ ] What are you a Zen. popper? You an energy drinker? What are. you doing? Wait for for It looks like. you went into a little petrol mart. You. did not get gas for just a couple bucks. Uh, it depends on what it was. I'm not. entirely sure. Probably a lighter. Could. be something like that. You got two. lighters in a row. Okay, that's weird. Uber Eats Greyhound Bar and Uber Eats. for $51.

$51.92 of interest is acrewing. It's a. 30% interest rate. And you said that it. is necessities. That's what you said. I. see the majority necessities work 30. hours a week and yet you cannot actually. go to the grocery store and prepare even. though you were a chef and again like I. said I mean I'm pretty sure you're at. the credit no it's [ __ ] worse you. dude the smart guy the smart guy again. the smart.

guy you started over the credit limit. and you ended even more over the credit. limit over I thought you were Max, you're. over over. Oh, okay. I think when you. look at those purchases, a lot of them. are just really food. So, it's What does. that mean? What does that mean to you? Why the the the the words you came out. of your mouth were the dumbest, mosting.

stupid things I've ever heard in my. life. But then your tone with it was so. sincere. So, what the are you trying to. say? It's I feel like that's something. that's fair where it's $50 to Uber Eats. in one purchase for two people. I think. that's kind of fair. $20 per meal for. two people. $20 per $25 per meal. Okay. 25 times uh two that's 50. Okay, that's. cool. And we know what you guys kind of. make on a yearly basis. Now, let's times. that by three. Three meals a day, 365. days a year. Awesome. We're going to. spend more than we make on a yearly.

basis just on food because we need. $25 per person. and we're going to be going up to. $55,000 a year on food costs and that's. worth it. He says the smart guy, the. entrepreneur, the business titan. I think there are, you know, like I. said, that's something that most people. are like, they're like, "Hey, let me. just get an Uber real quick." Do you. give a about most people? I don't give a. I want people to do well, but I don't. care what they're doing. I don't base.

their my life on what other people are. doing. I don't base my life on them. Why. do I give. a Most people out there are. weird? I don't care what they're doing. Most people are financial. failures. Most people are family. failures. People struggle out there. Go. oning Twitter and everyone's a pearl. clutching weirdo. I don't give a I don't. live my life based on weird.

motheruckers. Why do you care about. these other people? You bring up other. people endlessly. Why do you care? This. is your life. Live your. life. I think when I'm bringing up other. people, it's just saying like in. contrast, there's there's a lot of stuff. that, you know, there are places where. it's just like, oh, that's something. that a lot of people also do. So, it's. like in my head, that's. where you're coping. You're [ __ ].

coping. Speaking of your endless cope, two letters in a row. What the [ __ ] are. you even sm You're obviously smoking. What are you smoking? Based on this. conversation, I'm pretty sure it's But. what are you smoking? I just smoke. Don't smoke anything. I feel like I'm I mean, I smoke daily, but I don't think like a crazy amount. More than anyone else usually would. More than anyone else. Again, with that, I promise not everyone smokes daily. Yes, that is more than most other. people. Mhm. I meant people that also.

smoke, but. Jake, you're a head. Is that more than. most people smoke? I don't smoke daily. It's more than most people smoke. Okay. Well, I don't think it's something. that's Okay. Wow. You can never be. wrong, can you? Yeah. You're you're. definitely going to get places in life. Can't listen to other people. So glad. you're on this show. Capital One. Wonderful. Cap one. What are we doing. here? What's up with this card? Let's.

talk about 2017 again. What happened. with this card in 2017? Honestly, I just think that was a lot of. impulsive spending. And so, it's the. same exact thing you said for the last. card. Mhm. Yeah. I just I didn't really. understand the concept of credit cards. So, I just, you know, kind of spent like. crazy. And wait, something's going on. here. A little bit. So, something's. going on here. One second. There's no. way this minimum monthly payment is $239. without something funky. Fees. I'm. seeing fees. What the [ __ ] are we doing? It's a past due. You're past due. This. is two payments,

dude. How long have you been past due on. this card? Uh, a few months, I think. Why? You are in the most privileged. position in the world with your rent. situation. And. you and because of your privilege, you. are preventing the housing supply. meeting market. demand. And because of your privilege, you're in a position where you get to.

take advantage of it. You and you alone. and live an amazing life. financially. And yet, you are multiple. payments behind on a credit card. What the why? Why do you not care? Why? Why? What? Like in your mind, what are. you trying to do in life right now? Cuz. you're not sure to work. You're incapable of starting a brand. that doesn't rely on IP that already. exists. What are you trying to do?

You're over max out on that other credit. card all on bull and think that it's. okay to have a $25 per person food. budget per meal. What the are you trying to do, man? You. know what? Sorry, before you answer, I. feel like this is how you've gotten. through in life because you were able to. sit down, you were able to be monotone, straight talk, and just sound like a. person that is able to actually be. reasonable. Yet, once you dig deep into.

the actions, into the philosophy, into. the ideas that you have, it is alling. broken. And then you're not willing to. admit once when you might be wrong. So. tell me, what are you trying to do? Because right now it's nothing but. failure. I think with those cards in. particular, I was just trying to focus. on other ones first. And you know, you. still have to make the minimum payments. There is not a debt payment strategy in. the world that says don't pay unless. it's let them all go to collections then. negotiate from there. But I wouldn't.

recommend that. You'll your credit. Mhm. I don't. So tell me then what. the Cuz no one suggested that or did. someone suggest that to you? No one. suggested that. Why did you choose that? It just seemed like the other ones had a. higher interest rate and it just seemed. like it was a little smarter to pay off. those ones first. Sure, but why does. that mean you don't have your minimum. monthly payment paid on this? I just. didn't get around to paying that one. Get around. It's been multiple months.

What does get around to opening an app? No, I'm not going to let you get out of. this. That is That is bull. I just. didn't open the app and didn't get. around to it. Okay. Can't wait for you to be an. employer of others. Sorry guys, I just. didn't get around to uh opening the uh. the platform and making payroll for the. last 4 months. I just didn't get around.

to it. Well, that's it. Again, that happens. Some No, it doesn't. My boss does it. from time to time. And I'm Your boss is. a bad. boss. Then you work for a horrendous. boss. I don't think he's a bad boss. If. he's not paying you, you're not working. for a good boss. And good luck getting. the company from him. I think it's, you. know, everyone has stuff that happens to. them. And I feel like it's okay to be. understanding. Be like, you know what?

They did. be understanding, but if. something did happen in your life that. was a lifealtering thing, you're able to. call the credit card company and tell. them about it. You didn't do that and. nothing did happen. You just were lazy. I think it's a little bit of both. I. think I'm definitely What happened then? I think it's a What happened? I think. there's a few mixes of everything. I had. a shoulder surgery that had me out of. work for about 2019, 2020. Then [ __ ] off.

because this is these last few months. So that is the dumbest thing I've ever. heard in my life. You had my sympathy. for about a half a second. Like I said, there are a few things and I feel like. all of those things What happened? What. happened the last few months? The last. few months, my my girlfriend's also been. out of work. She's also You told me she. made $22 an hour. She just got a job a. week and a half ago, actually. Okay. So, you were fully supporting her. How long. was she without a job? About 4 months. Okay. And you guys are together. So, I'm. wouldn't be surprised if you fully. enabled her bad behavior because you. know nothing about good behavior. Go. ahead. What else happened? I don't think.

I fully tried. What else happened? Yeah, you're in a rent of your dreams. You. could have made your minimum payment of. what would have been what, like 40 bucks. or something? Maybe like a hundred. bucks. I don't know. I'm going to mark. it as a. hundred. You were just stupid with it. You could have made it. Go ahead. What. else? What happened? Life happened. Like, we couldn't make our payment. Life. happened. What happened? Her not being. able to work, me, my car breaking down. at the same time. I feel like it all. kind of added up. And you know it's just. it's definitely you know at this time.

especially like the past 6 months have. been just rough with bills. I had to. take my dog to the vet. You have put. yourself there though the dog thing you. can't control but you can control. whether or not you have pet insurance. and you can control whe insurance then. you're okay. Yeah. But I mean it still ends up being. a pretty hefty bill for the you know a. chunky deductible at the beginning but. it's not something that would wipe you. clean. Yeah. Yeah. I mean, when you're. in the situation that I'm in where all. credit cards are maxed out, I feel like. that you did that you continue to do.

Look at your spending. You spend $700. You spent $900 more than you make on a. monthly basis. You spend spent 35% more. than you bring in on a monthly basis. You spent almost $800 going out to eat. on a monthly basis. You spent $50 on. just one Uber Eats order and there were. multiple Uber Eats orders there. And you. spend hundreds of dollars on a monthly. basis because you're a normal everyday. average smoker and that is very normal. for people to do. And then you don't. actually show up to work. So, I don't know. LA is not the best in. the world for public transportation, but.

I know if you spent the time, you could. have gotten there. And even more so, I. know that if you actually make what you. say in the hours that you put in, you. would have made your return on. investment if you Ubered. I don't think so. I mean, then you don't. make enough money and you need to find. another job. Which, by the way, is. honestly probably true for LA. Making. under 30 bucks an hour for LA. Yeah, it's time to price shop. It's time to. job search. It's trying to move up your. skills. I agree. And I feel like like we. were talking about fallbacks earlier. I. feel like if I were to leave Shrek ears,

I feel like if I were to leave that. place, I've I've learned a lot of. skills. I feel like I've done a lot of. welding and fabricating there to where. the I could actually I got my to be. featured on your resume. Okay, there you. go. So, I feel like that's something I. could easily go to like after this if it. weren't to work out. And I think I could. probably get paid more doing it. Well, I. might start looking at that. I've. thought about it, but at the same time, I really, like I said, I like my bosses. I like the job and I feel like if. something were to come out of it, your. boss lives in a different state and they. don't pay you. One of them does. I mean,

you know, the other one does still. currently live here and he has an office. out here or not here. Sorry, we're in. Texas right now, but lives in LA. And. like I said, they like me. I mean, obviously, if I'm not going into work. that much, they obviously like me enough. not to fire me. So that or they don't. think they're going to be able to pay. pennies on the dollar for another. employee because they accept you. accepted it and they're like, "Oh, we. got lucky.". Guys, I just wanted to say an extra. thank you for making Simpler Budget an. incredibly popular app. I wasn't. expecting it, but we literally get like.

thousands of downloads a day and a lot. of you are actually changing your. financial future and we've been hearing. from you. So, thank you all for. supporting us. We just wanted to. continue to say thank you and give. people the opportunity to try out the. app. So, we still have a twoe free trial. in there for the premium version. And of. course, everyone that signs up for an. annual version, at least for this next. quarter, will get a founders edition. simpler budget notebook. And it is. signed by me, sent directly to you. So, that's a special thank you for putting. your trust in us to create an amazing.

budgeting app. And let me tell you, the. features that we're going to release. throughout this next year are about to. be crazy. I'm going to make this the. best budgeting app that has ever. existed. Seriously, download Simpler. Budget now. It's incredible. The time to. take control of your finances is. literally right now. And as an extra. limited time only bonus, I will give you. a signed version of my budget friendly. cookbook for free when you sign up for. Simpler Budget Premium Annual. I don't. think it's that. I definitely think.

they're um they know the situation that. they're in financially and they're happy. with it. Is it good or bad? They're. good. They're very happy with it. And. you know, they know the situation. they're in financially, so they're. willing to pay lower. What are you. talking about? That would suggest to me. that they're not doing very well. No, it's I'm saying they're they know their. situation and they're just kind of like, "Oh, this is a not like a side business, but they're like this is like their. hobby shop where they're like, "Hey, if. this blows up, awesome." But we're not. really sitting there like, "Wait, you're. re your entire future is baked on a.

hobby shop?" Oh, I didn't know it was a. me, dude. Oh, you're killing me. You. just I swear on the side you. design words to murder me. Like I said. on the side there's city contracts that. make in the main amount of money. Median. average hourly wage in the Los Angeles, Long Beach, Anaheam metropolitan area. So this is the even the lower cost of. living areas in that area, the edges of. town. And I know you're not in that.

$35.29 you're making under that. including the lower paid areas. is. probably closer to like 40 in your area. I just I feel like that's not true. I I. mean I know you're looking it up, but I. mean I have what I have people that are. currently living there and no one's. making 35. No, you just need to go get. stabbed or something. But no one's. making 35 an hour. So I don't know. I. don't know. No one's making I don't. think you know. No one that I know. Yeah, you probably get taken on a short.

bus to a special place on a daily basis. and those are the only people you know. and you base your entire life off of. them and that's why you think you're. doing okay. Even people I feel like you. walk into any, you know, the minimum. wage obviously isn't 35. So, and that's. majority. Most people don't make the. minimum wage. You think the minimum wage. is designed cuz everyone makes that? The. are you talking about? I feel like. everyone's close like any fast food. service. What are you talking about? Sure. In that job, you think that's what. every job is. That's not every job. But.

that's what I'm saying. That's a lot of. the jobs talking about, but it's not. every job. And that's those are the. majority of the jobs that people are not. the majority of jobs that aren't people. that have like qualifying degrees have. certifications or anything like that. You have certifications, you I do. And. like I said, I feel like I So what the. are you talking about? Congratulations. You made friends with a fast food worker. once and then you based your entire life. off of them. Like I don't know what to. do off of that. That's not how a normal. human operates, guy. Oh, you're. insufferable. I'm sorry. You're.

insufferable. I don't like you. I've. officially decided I don't like you. Your credit score is basically 500. Um, this is absolutely stupid. I'm going to. [ __ ] just die. Okay. Okay. I feel. like the I feel like the job market I. feel like is something that a lot of. people struggle with. And I think, you. know, everyone has to have a side hustle. or something like that. Okay. Not. everyone has to have a side hustle. and. our unemployment rates about 4%. So no, not everyone struggles with the job. market. Statistically incorrect. Yes, it. is hard when you are unemployed and you.

try to find a job, especially if you're. competing with the job that you had. previously and you want to get into a. similar income scale or a similar job, similar comfort level. Sometimes you'll. have to start lower and you'll have to. job hop. You have to figure it out. You. have to work internally in that company. to move up. But no, what you're saying. is not just an average everything for. everyone. I don't know why you compare. yourself to everyone, especially when. you don't know the statistics around. everyone. I just feel like it's. different in LA. I feel like there's a. lot, especially like you're saying, I. literally just told you the median wage. in the LA metropolitan area.

I just don't know about that one. Honestly, you don't know. But I have. just told you. And that is from the. sources of Bureau of Labor Statistics. I. just feel like from people I talk to. dayto-day, everyone knows they don't. matter. They are not. That is so. anecdotal. That's so stupid. I think everyone also has the same. struggles that I have that Listen, the. unemployment rate in LA is higher than. the national. It is 6%. That.

sucks. The national median or the. national rate is. 4.1. So, it is higher. Yeah. Like I said, I'm not surprised. I. mean, it's not a very business friendly. place. So, Mhm. Yeah. I just feel like. like I said though I feel like I feel. like I feel like I don't give a [ __ ]. what you feel like. I really don't. Everything you said you feel like is not. correct. Okay. Well, they're telling me. you have some kind of investment, but I. know you said you don't have retirement. What is your investment? I try I try to. invest in whatever I see profitable. I.

feel like right now that's Pokemon. cards. And yeah, I have a really I think. a really high appreciating asset of. Pokemon cards. And I feel like. everything I've invested in I've made. money on. Like if you check my Robin. Hood account, it's in the green and it's. because you didn't have a new. retirement. I took it I mean I have. since taken it out to help try and pay. off some stuff. But when I was investing. in Robin Hood at the time, I was in the. green and I was very high in the green. And I feel like that's the same with a.

lot of things I invest in. I do make. money on things I put money towards. So. I feel like that's something where I. have a lot of money. I've never had a. Pokémon card. Honestly, I I I don't. [ __ ] know. I don't know the. statistics around that, but you sound. like a [ __ ] dumb. No, I promise you. that is a market that is there is profit. to be made and it is in a huge and you. would be living your entire life and. paying all your bills and not being in. bad credit card debt and not be. financial if it was really good. It's as. easy as that. Same with the Hey, same. with the gold prospecting. If it was.

doing really well, you would not be in. the finances that we have talked about. so far. It is as easy as that. I think with. those things, it's having having the. capital to do it with a lot of those. Do. you have like a picture? I I actually. brought my I brought my Pokemon cards. I'm not going to buy them, but you can. show them if you want. Yeah. A lot of people a lot of people buy. Pokemon cards for like the packs and. stuff, right? You know, that doesn't.

make any money. I focus on like the high. tier cards. I always go to swap meets. and Facebook Marketplace and try and. find the cheapest deals possible. So, I. actually know what my money in. I'm so. glad you're spending all your time doing. this instead of actually going out. showing up to work. So, I do know my. money in and I know what my value is. currently at. So, I know I'm in the. green. And you don't know what your. value is at 100%. In order to realize. that value, someone else would have to. get it. You can guess it. How much have. you put in? I've put in around 2,300 and.

it is worth about You can barely you. couldn't even pay the rent for the place. you would move to if you took your lump. sum off of that. So that doesn't even. matter. This is so insignificant. This. is so insignificant and it's worth about. 4500 right now. So I feel like that is a. pretty big sum and it's something that. appreciates and it's something that you. know it goes up a lot. So that's. something I feel like isn't isn't a bad. investment at all. We have some math. over the past 25 years. Would you like. to hear it? Sure.

divided by that 25 has an average uh. yearly return of. 08%. Little under uh the 1%. You're not. beating inflation. You're not beating. bonds. The what the return has been over. the last 25 years. Over the last 25. years, this hasn't been 25 years. I'm. just telling you what the average rate. of return has been. Yeah. I would say I probably started. investing in Pokemon cards maybe about a. year ago.

And yeah, I feel like I've made a really. good profit in that time. Well, you. think we will see a a return of 13%. between. 24 and 2020 in 2024 and. 2034. A 13% return. Not annual. though, as far as I can. tell. Okay, show me what are they worth? He's put 2,400 in. What are they worth? Yeah, they're worth 4,500 at the moment. Good. Sell them. Pay off that. So that's.

what I've thought about doing, but I've. definitely at the moment it is still. rising. And if if then I don't give a. sell and pay off debt cuz I doubt. they're rising at a 30% rate. Some of. them 182%. Yeah. In a year. But if. something No, in 3 months. If that's. even worse. It's even worse. If. something's able to go up that high in 3. months and their crash, well, I'm not. going to say it's going to crash soon, but their crash is going to be just as. spectacular as the rise. Yes. That's how. really anything goes like that. Absolutely. And I feel like if you know. when to look for the rise and the crash,

you know how to make money. You're day. trading. Some could say that, I guess. Yeah. And I feel like 10% of day traders. are successful. Like I said, if you. check my Robin Hood account, it was very. high in the green as well, too. So, I. feel like that's something I am pretty. uh pretty smart with doing. And I feel. like I know at least a little bit about. how to make money on that stance. If I. feel like I had a little more money to. spend, I think I would have made some. The stats aren't perfect. There is no. market perfect performance of what the. average annual return is and it depends. on the pack. There's some packs that.

have obviously returned like 12%. compounding year 50% compounding on a. year. Well, yeah, those are packs. You. don't exactly but there is no full. market average return like there is in. like the S&P 500 even. Bitcoin like there's even like average. yearly return with that but we can't. even find it. Can't even find it. Yeah. And that's cuz it's so much of an. untapped market. It's so much of a boom. right now at the moment that it is kind. of hard to do research on. But if you're. in the scene like I am, you see people.

that have started with an investment. start at $10,000 and they're up to like. $78,000 $80,000 in just a few months. Some people, just like some people day. trading, they do incredibly well. We're. talking a small percentage. You have. never been successful at one thing in. your life and you've tried a thousand. different things and you've never been. successful at one. I have no confidence. in this. If I had the capital to do it, I feel like it would have been a lot. more successful. And there's no stats around the. percentage of people that are successful. in this as well. It's just not a big. enough market for that. It's just not.

People around and they make money, but. it's not a big enough market for. that. And I'm okay. It's like a little. gamble is a little fun money, but you. don't have that fun. money. You have a credit card that was. over the balance. Then what was this last. card? Oh no, the the first one was over. the balance. This last one, yeah, was. past do and over the balance. So I need. my notebook, buddy. Pick it off over the.

ground. You made me rage throw it. Your. fault, not. mine. I'm using the same language you've. used about your entire. finances. Okay, show me a card. Sure, why not? I'll take a look. I think. they're definitely your entire. retirement plan. I think they're. definitely of good value. Sure. Unknown. V, I choose you. This one alone, I. think, is ranging at $312 right now for. this one. Cool. Sell it. There's some. back here, too, that are worth a couple. hundreds. Cool. Sell it. These are all.

very expensive ones. Fion, I choose you. Bimbolder, I choose you. Professor. Research, I choose you. $200. It's a. really solid one as well. And these ones. stay very collectible because Meow, I. choose you. So, these ones are all very. old cards. These ones are newer ones. that have high value at this moment. I'll be honest, I don't give a put them. away. I don't give a single first. edition. There's not a that I give. I'm. sorry. I'm sorry. I have no interest in. that. All I know is you're you're in a. market that has no actual statistics.

around that can be scoured throughout. the entire. internet and this is your entire you you. have no focus. You try a thousand. different things and you're going to be. trying a thousand different things until. you never find one your entire life. This is how people like you end up. being. And I don't want you to go down. that path because you can actually give. a you can live a good life if you. hyperfocus on something and make it the. best you can be. Be relentless about it. But instead, you're split between a. thousand different things and day. trading cards. But wait, didn't we just.

have people on the show that were day. trading cards? A couple? Uh yeah, we had. a couple that were day trading cards. They put in money, they saw a little bit. of return for a while, and then they. [ __ ] like lost it all or something. Like they can just boom crash. It's and. you're in that. I don't I don't take the. return while you can get it. That's the. plan. That's definitely the plan. And if. it was the plan, you would have sold it. Sell it when you leave. I've sold some. of it. If you actually see on some of my. statements, it shows that I sold a good. amount of it. And you see empty pages in. there. I don't think I can get through.

I'm going to sit you down with the. Sandre mind. therapist. They're good. You get three. free therapy sessions. Sit down with. them. Maybe they'll tell you to stop. being a dumb. Except I think they say it. nicer. I don't know. I have another card. Discover. it. Discover how I can get the out of. this. conversation. Balance is lower than this. one. $1,58.85. Interest $24.76. At least. there's no purchases. $45 minimum.

payment. It's It's over the balance. It's over the balance. Three so far. Three in a row. You can't do one thing. You're You're incapable of one thing. Well, you see, there was no purchases on. that one. I mean, you know, it's not. like I'm It's just splurging on that. thing. It's just it's at the b balance. that it's at and it goes over for, you. know, a little bit of gas here and there. to drive the car that I need to get to.

work. So, you don't drive the car when I. can. I do. But you don't cuz you never. go to work. I feel like if I had a much more working. car, I'd be at work 40 hours a week. happily because it's not the job that. it's not like I'm sitting there saying. like, "Oh, I hate my job. That's why I'm. not at work. I need a better job." It's. just I very much advocate against it, but I think your parents needed to beat. you when you were a. kid. This is just I I don't know. I.

mean, you're you'reing I'm sorry. You're. just your mind is in that Tik. Tok fin. influencer. dumbass and you're going to do you. create like little finance Tik Toks cuz. I bet you will soon. You're going to try. to show people how successful you are. and then you're going to lead people to. just being like broken. Finance Tik Toks. I don't know what that. means. You don't know what that means?

Like me making finance Tik Toks? You. can't put the word finance and Tik Tok. together. And I mean, I can understand. the blanket term of that, but I just. Well, I don't know why I would be doing. finance, Tik Tok cuz you follow you you. the way you talk, the way you've. operated. It's like you've fallen down. that rabbit hole and people like you. always end up just start making videos. on that and then you're going to take. all these other impressional people and. take them down that rabbit hole, destroying their. lives. It's sad. $24.76 cents of.

interest. 27.2 24% interest rate on here. above the credit card limit because it. just were [ __ ] How did it even You must. have been late on payments. You must. have had some mispayments that put you. over the credit card limit or else why. would you even be on that? It was just. playing putting a gas payment on it. I. mean that's the only thing I've ever. really even put that card on initially. It was I can't trust you. It was a. balance transfer and I transferred the. money over from the Capital One to there. when say like a year or two ago. Then.

why would it be over the limit now? because I just never made payments to. get it back to where it was. You know, it was at 0% interest for the year and I. didn't pay it off enough to get it. lower. So now it's just back up towards. that. But I feel like that's the one I. have under control the most where it's, you know, limited spending and I, you. know, pay the monthly pay. Did you come. here and think I was going to stroke. your little egotistical entrepreneurial. dick? No. Is that your intent here? No.

Cuz what the You can't acknowledge. you're wrong. You're an absolute dumb. when it comes to all of this, but you. continue to use. language that you are not a dumb. Like I. don't understand what we are trying to. do here. And it is enraging. I can agree. that you know the financial situation. I'm in isn't good. Oh, it's not good. It's not good. But I feel like some of. the stuff there's a with this isn't. good. But I feel like some of this stuff. is justifiable. I feel like some of it's.

justifiable. Okay, let me know when your. balls drop and then tell me what the is. justifiable. The gas. I mean, if you look at that. Discover card only right now, I see gas. purchases. You just said they were gas. purchases and I can't believe you based. on everything you've said so far. Whether you want to believe it or not, well, you open the conversation with the. shortcuts I'm taking is not spending. money on food and then that's where all. the first credit card that was over. maxed out went to. And you spend $800 a. month on food. Okay. You have to I mean. $800 you bring in what was it? 2400. Okay. You spend 33 34% of your.

income on food, guys. That's my cutting. corners. And that's not even including. groceries. Obviously, it's more because. you do get groceries. [Applause]. Mhm. Waste of mying. time. What is this? So, this is like a. firm or something, isn't it? It's It's. all over. It's all overdue. It just says. overdue. Overdue. Overdue. Target, Target, Amazon. Why can't you make a.

[ __ ] singular payment in your life? You are a child. You should never run a. business until you can't until you can. at least manage your owning. payments. You're going to screw over. vendors. You're going to screw over. other services. You're going to screw. over other employees or other businesses. that you work with. You're going to cons. you're going to screw over your. customers. You are not in a position where you. should be in any kind of service to. others. You're going to ruin them. I. agree that I'm not in a position right.

now and that's why I'm trying to get out. of that position. You start every. sentence with a voice crack. I I think that that's something I can. actually get out of this situation. What? The voice crack situation or the. financial one? No, I'm just not going to. address the voice crack cuz that just is. what it is. If my voice If my voice. cracks, my voice cracks. It is what it. is. But with these, I feel like I'm not in. the situation now, but the goal is to. get out of this situation. Soal, so we. can work towards it. The goal. Yeah, the.

goal. The goal. The. goal. The goal. Three credit cards. There's only three as far as I know. We'll see. All over. One completely. late. A firm's not being paid on. But. the goal, the goal is to be better. The. goal, you don't know what the [ __ ]. word goal means. What are you talking. about goal? You're on the other side of.

the goal. Everyone else is kicking their. soccer balls into the goals. You're on. top of a skyscraper considering jumping. I don't know what you're talking about. You're not even near a goal. Well, I think that's, you know, that's. Yeah. What are you going to say to. justify that? Shut up. Shut up. What an. obnoxious. Yeah, you're getting Amazon. Let me see your Amazon account. Let me. see. Maybe I'll get a little joy seeing. a app instead of your face for a second. Gosh, I'm pissed. I'm I'm being a little.

it is cuz I There are not many people I. dislike more than your. personality. He giggles great. He's. getting off on this. No, I just feel. like, you know, there are people that. are in positions like Oh, we're going to. compare ourselves to other people again. Shut the [ __ ] up. I'm not getting that. I feel like it's You could have. connected to the Wi-Fi out in the lobby. where it said, "Hey, connect to the. Wi-Fi." I didn't think I would need to. do. that. Come on. I don't think it's.

loading. It's not cuz you didn't connect to the. Wi-Fi. Do you want me to? I could just tell you. what was on my Amazon. I don't think. you'll believe me. But why would I. believe you? It was for PC parts. I got some RAM. because I needed to upgrade my PC to. hopefully, you know, get this business. going. And what what the you talking. about? How is that going to get your. business to where you want to go? What. the are you What was your RAM situation. before? It was 8 GB of RAM and I needed.

to Okay. What did you get? Yeah, I got. 32 GB. It wasn't that much. It wasn't. that expensive, but it was enough for my. PC to run smoothly so I could edit. videos in 4K that I wasn't What the. [ __ ] Okay, yeah, maybe. I don't know. I. don't know. I feel like that's something. that is a justifiable purchase. You're. overdue on your stupid little Amazon. payment.

Yeah, that that affirmed. Yeah, why. don't you say some words? It was a lot. worse before. It was at like I think. $1,900 and you know I was doing lots of. splurging on that before you know with. that gold prospecting. I loved gold so I. splurged on some gold jewelry there and. you know I splurged on some sneakers on. StockX. So you know you're embarrassed. I feel like that was that card was. terrible before and you know it's made. some good strides. I feel like it's you. know now you look at it like you said. you're like Target Amazon and they were.

kind of essential things. The Target's. just groceries and Amazon's PC parts to. try and make a name for myself. Rip off. another brand. To try and make a name. for myself. To rip off another brand. That's one only one of designs. I have. plenty of designs. You said you sell one. design. No, I said that's the one design. that has sold the most. So, there are. other designs that I've made myself that. I feel like a lot of people like as. well. And if I get the market to it, you. made your money off of one design. You. said the most. Are you changing the. narative? No, it's just that's what I've. made the most. What are you getting at.

Target? cuz I I don't believe for a. single second it's all necessities. It's. just groceries. Yeah. I don't really I. don't believe you. I don't I can't I. can't I can't I can't I can't I can't I. can't I can't. I mean you're a firm. We. got the PlayStation and you're paying. for PlayStation Plus. I'm being told. you're still paying for EA. Play. We're getting a stupid RAM for a. stupiding PC. So stupid. What? What? They're saying you're buying some. producing software. So, are you making.

your own EDM now? That's the goal again. What is the golden goal? There is no. goal. You're You have a thousand goals. You have 1,000 goals. I think it's a. good thing to have goal setting. It is. If you have a plan to get there, if you. ever get to I'm sorry. I'm sorry. I'm so. sorry. I'm so sorry. You're lost, man. You're lost. You're beyond lost. You. need a therapist and a mother that loves.

you. You're lost. I don't know. You're. Dude, there's nothing I can do here. This I could budget you. There's budget. Budget. Sure. Sure. But you are lost. beyond lost. This is nothing. This is. alling mental. This is all mental. And I. cannot fix that. I can budget people out. of a situation, tell them how to. sacrifice. You'reing lost. You're. lost and you enraged me to talk to you.

Not in the. you haven't like been mean. You haven't. you're just [ __ ] you are the. personality type that I cannot handle. and I don't want you in front of me. I'm. going to specifically request for my own. sanity. I need to just being done with. this honestly because it's a waste of my. time. Please go to the lobby cuz I don't. want you in front of me anymore. That is. an actually Yes, that is an instruction.

You are not welcome on my set anymore. cuz you're you're lost. I can't help. you. I'm wasting my time. Please leave. Walk away. Dude, I'm sorry. I'm done. I. know. Just walk away. I don't want to. talk to you anymore. You justify. everything. You will not listen to one. thing. This is unproductive. And I'm. done. I'm done. Dude, I said please. leave. You're not a dick. This is just a. waste of time. Okay. Hammer financial score. Go. yourself. I know it's ah. Okay. I'm.

being mean. Okay. Oh. Okay. Um. Okay. What am I thinking? What am I. thinking? I'm thinking I'm not having a. good time and that it's a waste of time. and that he won't listen to me and he. has no path and he needs a. like. I'm I'm I I don't think I can do. that one anymore, guys. I'm done. I'm. sorry. I'm sorry. I'm sorry. Um I'll I'm. going to talk to the producers and stuff. in the post show and we'll look at the. rest of this bull, but I'm done with.

him. That's He's soing done. Okay, bye. Well, look. What. a [ __ ] But wait, there's more. Two. years late on his taxes. What a man. It's what a degenerate. What a [ __ ]. What. a leech. Bring him back ever. Maybe I do. have to call him in. probably throw a. mug at him.