I've Finally Met My Match | Financial Audit

I don't think you know what you're doing. when it comes to running a business at. all. >> I mean, did you know what everything. when you started this? I don't think so. How are you surviving? How are you. surviving? I'm sorry. What are you. trying to say here? I think it has to do. with you having a Tesla. Looks like you don't get your hands. dirty. I'll give you a financial audit, but I don't know if you have the ability. to make it in life. Bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%. off, but also with a free trial today at.

dollarweise.com. Join the tens of thousands of people. who've changed their lives and joining. Dollar Central right now for free. >> Hi, my name is Mattel, 33, from Central. Coast. >> Central Coast means. a lot to some people, I'm sure. >> Yeah. Where the is that? >> That is in between. >> central coast. Where? >> Santa Barbara and. >> California. Are you trying to say. California?

>> No. Nevada. >> Yes. California. >> Well, I don't Why would the would I know. what central coast is? >> Well, are you from there? >> Yes. >> So, that's why you know what it is? >> Yeah. Yeah. >> Okay, cool. From Central Coast. That's. the name of the town. >> Name of the town is Santa Maria. >> So, now I feel like I've actually heard. of that. All right. >> Wine country. I read. >> Yep. I know. Wine country. I know. everything except for the thing you. opened with. 33 years old. >> They call it that. Craos.

>> I'm sure I'm sure they do. It's probably. just me, but that's okay. Well, welcome. Thanks for coming over, man. I really do. appreciate it. Uh, it's a nice little. travel from there, >> especially early in the morning. >> Yes. >> What do you do for a living in Central. Coast? >> Starting entrepreneur. Want to be. >> That's not a job. I'm a mechanic. There's job. What do you make doing. mechanic? >> Say that again. Can you speak up? What are is it because of the mechanic?

Huh? >> Is it because of the mechanic? Is that. why you can't hear? >> Yeah, that's a lot of uh you know, I. mean, you wouldn't know. You looks like. you don't get your hands dirty. >> Wait, what did he say [ __ ] me for? >> What the was that saying? You said I'm. kind of slow because of the mechanic. No, >> you as you wouldn't know. Do you do you even know how to turn a. wrench? >> Do you practice that? >> No, >> buddy. I asked if you can't hear because. of the mechanic noises, not cuz I didn't.

say slow, but now you're making me. question it. >> All right, continue. >> No. Do you have hearing problems? I want. to know for the continuing this episode. >> No. What do you make guy in your mechanic. position? >> Uh, roughly monthly like about 10 to 15. grand. >> Wa that's incredible. Net. Net. Is that. what hits your account? >> Yes.

>> That's incredible. I didn't know we. allowed to make that much money. >> So, what do you do with that, man? There. shouldn't be much of a struggle. Um, I use it to go out. instead of being responsible and paying. bills. >> Well, okay. Sounds like someone who. knows what the is going on. >> Mhm. >> Why don't you stop going out and use it. to pay the bills? >> Um, I've pretty much been like that all.

my life. So, I mean, just to change, I. can't. It's It's hard to wrap around. >> You cannot change. >> I can, but is part of me doesn't want. to. What part of you. cares more? The lower the lower part. >> Which one's the lower part? >> You're talking about your Are you. >> No, >> like dudes. >> Oh. Of just No, I'm missing. >> buddy. You're in a podcast. Try to talk.

to me here. What's going on? Oh, okay. Yeah, let's just let's do that. What is. going on? Whole lot of nothing. [Music]. Okay. So, um, like I said, just barely started. my own business. I'm trying to be an. entrepreneur. Trying to get things on, you know, >> in order to, you know, make it a career. >> Well, what's your Okay. Being an. entrepreneur isn't a career. What? What.

are you trying to entrepreneur to? >> Mainly automotive, like kind of. everything in the car world. >> Okay. So you're a mechanic right now. You. don't work for yourself. You work for. someone else. >> So I do work for myself right now. >> Okay. So you're already an entrepreneur. that's working then. So So what's the. attempt? It sounds like you've done it. >> Uh it doesn't feel like it. >> Why? >> I don't know. Um. I'm not doing things correctly maybe.

>> Oh boy. All right. >> I mean I mean help me out. Can you kind. of sense where I'm heading? No, cuz I am. literally just trying to get answers and. you're not willing to um give them. Okay. So, how long have you been an. entrepreneur? How long have you been. trying to do car things? >> Um I've been doing cars for about 10. plus years. Uh. >> on your own. >> Oh, on my own. Um recent couple months. So, I left. Uh. >> so, you can't say for a couple months.

you bring in 15,000 hours a month, can. you? >> Um. >> if you've been doing it for a couple. months, >> not um consistently. No, it's been 2. months. So, you're saying one month you. did, the other month you didn't? >> Yes. >> Okay. So, you're giving me a $15,000 a. month average based on one month making. 15, the other making zero. >> Well, not zero necessarily. >> Making what did you make? >> Close to 10. >> Okay. Okay. >> Mhm. >> So, there we go. But because of two. months, you think you're making 10 to 15. forever. >> Yes.

>> Okay. >> That's what it feels like. >> Sure. So, what led to that big out. ofthebox automotive income? Cuz that is. quite good. I'm a little concerned now. that I know it's your business and based. on the five minutes I've been able to. talk to you that that is likely not net. income after costs. >> No. >> Okay. I asked you at the beginning if it. was net and you said yes. >> Oh my goodness. Forgive me. >> You're forgiven. >> All right. >> But I was led astray in terms of what I.

thought you were making. So, do you know your overhead? What do you. know about your business? What can we. talk about with that? Overhead is just one at the moment, just. me. >> Okay. There's more overhead than just. payroll. >> Okay. >> There's a You have a location? >> No, I'm mobile. >> Okay. So, gas and maintenance on your. thing and tools and equipment. >> and parts that you're buying, right? >> Yes. >> That's cost into the business. >> Okay. >> Okay. before you you get paid.

>> Before I get paid. >> Oh, okay. And has a car fallen on your head during. one of these mechanic jobs you've had? >> You know what? I don't really have a. business plan right now. That's. >> Well, no. I could have said that. You. know, >> I don't think we needed you to say that. I think I think that was pretty clear. That was uh more clear than I think. actually anything you've said so far. So.

you went on on your own. Yes. >> What were you making in the job before. this? >> So before that I was uh making like. 80,000 a year. >> Okay. Then that's not bad. >> Yeah. >> 80,000 gross or not? >> Gross. >> Okay. Still certainly not bad. I'm sure. it's a pretty expensive area. I mean, we. got the median income for an automotive. technician in Santa Maria, California is. around $55,78. So, you're doing well. You were doing. well and now you're on your own. How did.

you hit it out of the just like out of. the gate? So big, though. And I'm also. concerned that you really don't know how. much came in if we're being completely. honest. But. so, >> how'd you do so well out of the gate, big guy? >> Um, I have a couple cars that I that. I've bought, you know. Okay. And I think. that uh part of that is, you know, >> so it wasn't your business of doing. automotive stuff for other people. You.

just sold cars that you already had that. you flipped. >> No, it was Well, that is that's. business. That's part of my business, buying cars. >> What is your business then? Just tell me. your business. >> Mechanic working on cars. >> Other people's cars are your cars that. you're flipping. What is the business? >> Other people's cars. Okay. >> Including. cars that I buy from other people. or it's even the the cars from the. people that I buy that they can't afford. to fix. >> How much of that came from you selling a.

car you purchased and flipped? >> A little less than half. >> Okay. So, your actual automotive work. was like $5,000 and then you already had. these cars that you flipped and sold cuz. it's not an instant turnaround. You did. not do that in two months. >> Exactly. Come on. I'm karmamic, but I at least know that, buddy. Also, and I I don't understand what the you're. talking about. I had $5,000 that even. came in. So, what are you what are you.

talking about 10 to 15 in the last two. months? That's I mean, objectively, that. is not what I saw. That is not what is. listed here. >> Yeah, it's cuz I don't track. >> How'd you tell me 15? How' you even tell. me 10 to 15 then, >> big guy? How would you even tell me 10. to 15? >> That's what that's what uh I feel is. coming in. >> Feel what the is I feel 10 to 15. >> Yeah. I mean, yeah, it's.

money that comes in. I don't necessarily. count it or, you know, make um. Oh, yeah. I mean, do you track everything you do? >> Yes. I have concerns. of how. >> you need to relax, right? >> I live off of um. >> I need to relax. >> Yes. >> Okay. I I So, I could go for a relax. >> Okay. >> Wait, what are you trying to say?

>> That you're being a little bit too harsh. on me not keeping track of my finances, >> buddy. I've been like so gentle on you. because. I don't want to be clipped for. for what? Yelling at a handicapped. individual. Says, first of all, you look. like a Tesla driver. I'll just tell you. that. >> Boom. Roasted. >> I have a Tesla. As in a car that goes. faster than your cars ever go and will. drive itself while doing it. Yes, that. is true. Yes.

>> 2.5 seconds to 60. What about you? >> More like 2.5 and 10 seconds. But how long can you do that? Huh? Nobody likes a quick finisher. >> I always have them coming back. It's. mostly because I didn't provide enough. to begin with. But yes, >> I'm sorry. What are you trying to say. here? >> So, I'm being too hard on you? >> Yeah. >> The fact that you have a business and. you don't know what the business makes.

and the first question that is asked on. the show is how much do you make? >> I think it has to do with you having a. Tesla. Oh no, you're not able to milk me for. endless repairs because it's a car that. doesn't need maintenance. You're It's like your industry is going. away cuz no one gives a anymore about. keeping you people alive for scamming. everyone. >> Oh, scamming easy there. >> Oh, come the on. >> Oh, it's bonus work right there. >> Okay.

Well, sorry for going too hard on you. guy, I guess. Except not really, cuz. I've barely gone hard on you at all. It's just dramatically concerning. How. the do you not know what is coming in in. your business? That is not tracking. everything. That is not tracking. everything. That is just knowing your. income. >> As long as I have enough to pay my. bills, that. >> Yeah, you don't. You have debt. So, what. the are you talking about? That's a lie. That's not true. What are you talking. about? Okay, we know what came in. 5,000. What went out? >> What went out? >> More than that. >> What went out? >> More than that. >> Try to give a number if you can think of.

one. 68. >> It's actually kind of close. Actually, incredibly close. It was 69.86. So, as. long as I'm bringing enough money to pay. your bills, but you're not. You're not. And you're certainly not setting. anything aside for taxes. I know that. for a fact. And it's not like all that. was business expenses. You might try to. claim it as such, but no. >> Okay. Forgive me. Um, you're forgiven. So, but. you keep say you said as long as I have.

enough to pay my bills. You don't. Not. even I have to pay your taxes. apparently. >> Well, I mean I that's still for next. year. So, I still have time. >> Yes, you still have time. But what are. you going to do when you owe like a. month or two worth of income in taxes? >> How do you pay your bills in that case? >> I'll make it up. I'll just work. >> Okay. How do you make How is that. actually a solution? Why aren't you. working more right now than to make more. money and pay off your debt and get in. more than if the solution was work more? I am working more. >> So then you can't work more if you're. already working more. >> That doesn't make sense. If you.

>> How does that not make sense? You said. >> work. >> You just said I will work more to pay my. taxes. But if you're already working. more as you suggest you are, how then do. you work more more? >> Well, I didn't say I was working more. I. just said I'm going to work more. >> No, you literally rewind. >> But what are you going to do when you. owe like a month or two worth of income. in taxes? >> How do you pay your bills in that case? I'll make it up. I'll just work. >> There you go. It was played in the. video. >> No, >> watch it back. >> Okay. Um,

so, >> so if you're not working, if you can. work more, then my point was then why. aren't you working more now in order to. bring in more income that actually takes. care of your bills? Why aren't you. working more now and paying off debt? Because um I feel like the debt is. always I mean, everybody everybody's in. debt. You're not going to tell me you. met one person that's not in debt. >> Yes. Are you are you in debt? >> I have a mortgage. >> That's a type of debt, isn't it? >> It is a type of debt. >> I feel like debt, but I've met people. who are debtree.

>> Um, so that's always going to be. lingering, you know, >> or not, cuz. >> or yes, you could be debtree, but even. still, I'm not anti-debt. I'm anti- bad. debt. >> Okay. >> You have bad debt. >> I don't see it as bad. >> Okay. This first card's an Apple card. I. know for a fact that is a bad debt. I. haven't even looked at it yet, but I. know that's a bad debt. >> What makes you say it's a bad debt? It's. good. It has high interest. What is it at? Uh 20 something 21. That. would be bad. There's people that have like 300%.

interest, you know. So I I think I have it good. You're. talking about like a payday loan. >> Yeah, people have it worse, you know. >> Yeah, people have it worse. There's. someone being beheaded right now. Why. does that mean that me walking out and. getting hit by a bus is then considered. good? Just because getting behead is. worse. I don't know that that doesn't. make any sense. There's always worse. Why? Why does that mean you're That. doesn't all of a sudden excuse you. I. believe it does. Cuz.

>> you believe it does. >> Yes. Cuz I'm still. >> Go ahead. Try to form that thought. Hey, I'm I'm I'm paying the credit card off. >> No. >> You know. >> No. >> Yes. >> Wrong. >> No. >> I'm giving payments to the card. Yeah. you spent 2,000 more than came in. So, no. And again, also you that you. suggested you made two to three times as. much as you actually did. So, no, you're not paying off debt cuz.

you're spending more than you make. So, Oh, okay. No, no, no thoughts on that. He he moves on. Go ahead. Continue. Where are you going? >> No, I'm just saying where where are you. going in your journey, your mental. journey right now? >> Um, I'm trying to make money. You know, >> I know. >> in the business it it could become. really lucrative. >> I'm talking about you getting to the end. of your previous sentence, not what. you're doing in your career. I know. you're trying to make money in your job. >> Yes, >> guy. If.

what are you trying to say? >> I'm trying to say Yeah. You keep cutting. me off. Whoa. >> [ __ ] the Ah, there. So, uh, where were we with the business? Is there a contest or what? I'm doing a tongue cuz I'm stressed.

>> What? >> I'm looking at Hispanic Saddam right. now. >> Says, "Yeah, go ahead. Try.". >> I don't want to hurt your feelings. >> Tesla. >> No. Spooky. Spooky. >> Little Tesla fanboy. >> Hey, man. I just like driving a fast car. that has better technology is not a car. >> That is objectively incorrect. You can. hate Tesla and you know it's a fast car. >> If you have the plan, you ain't fast. >> I have the plan. Then you're still slow.

Anyways, you're you're taking this. somewhere. It's not going what? Let's. get back on track. Put your glasses on. Okay. Where do you think your money's. going? Come on. You're running your. business. Where do you think your. money's going? And I know it's all. intermingled. I know for a fact. I know. for a. Hey, also question before that. You said. you thought half your income.

for the business came in through selling. a car that you flipped. >> What did you sell it for? >> 4,000. >> Okay. You brought in five. So, you only. made 1,000 outside of that. >> No. No. No. made more. >> No. >> No, you did not. >> Yes, I did. >> No, you didn't. I mean, I have your. numbers. >> What? >> Was it cash? >> Huh? >> Undeposited cash? >> It was It was Maybe I didn't put that.

statement in there. I don't know. >> So, you wouldn't give all your. statements. >> No, it's there. >> Okay. I have a And so, so it's here. So. you Yeah, you brought an extra thousand. I have an Apple card. I have a Chase. Freedom Unlimited. I have a PayPal card. U Marriott card, Chase Freedom Unlimited. card, Discover Card, Chase Slate, Chase. checking, something about rent, and then a car. loan. >> Yeah, that's for this previous month. >> Are those all your accounts? >> Yes.

>> What's for the previous month? >> That uh I think what you're trying to. say, that 1,000 that I just had come in. was for the previous month. >> Yes. The most recent month. >> Yes. Yeah. Not this month. You've been. in business for two months. You said 15. the first month, 10 the second. You made. five. Four was from selling the car. So, you made 1,000 in the real part of the. business. >> Yes. >> Good. >> Yeah. >> So, you agreed to it. >> Yes. >> You made 1,000. >> 1,000. >> Okay. Very good. Now, oh, I guess we.

didn't have all the statements cuz. literally the you told the producers. found out about a new credit card or. some card in the green room before this. surprise. >> Is it brand new? Did you just open it? >> Yeah, it's like uh uh just yesterday. >> So you're yesterday. this guy. >> Hey, >> you're coming on financial audit and you.

just open a credit card the day before. this. >> Yeah, it was a special offer. >> What was the offer? >> Uh. >> for special people? 0% interest. >> For what? And how long? And that's all. It's just the fact that it's 0%. >> Yeah. >> Borderline every card starts at 0%. >> Yeah. >> Okay. >> So, so you open. >> cuz my other cards were getting a little. high and they do have interest. So, you. know. >> No, you just said you're paying off your. cards. >> Yes, but they have interest. You just. said they were getting a little high. >> Yeah. Balance.

>> Which one is it? This one's. >> Dude, you're I don't know how you even. made it here. How'd you even find your. way to the door? >> Well, this place is not hard to miss. >> Dude, I don't even know. We never got a. full credit report from you. We always. request a full credit report. And you. know, they're they're they're suspecting. that there's more debts that we don't. even know about because you're incapable. of anything. >> No, that is incorrect. I gave you everything. >> except for the credit report that we.

asked for. Oh, I'm pretty sure it's. there. Have you did you have you looked? >> Yes. Look again. >> Did you know that apparently over a. third of Americans have below average. credit? And even worse, some folks are. out there just paying double for car. insurance just because of bad credit. Like, yeah, here's your full coverage. and a full slap in the face. Now, I've. had my credit mistakes. Sway first, ask. questions never. And rebuilding that. mess, it's not fun. But that is where. today's sponsor, Kickoff, comes in.

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23 and January 24. For kickoff credit. account users who start with a score of. 600 who pay on time and have no link to. collections add in their credit profile. during the period late payments may. negatively impact your credit score. Thanks again to Kickoff for sponsoring. today's video. Let's get back to it. Still not there. Okay. So listen. Okay. So what you're trying to do is just. become you're just trying to build this. business. >> Yes. >> That's the main goal. >> That's what we care about. Yeah, you. know, um I see a lot of other YouTubers, you know, make content out of out of.

cars, you know, fixing whatever, um buying wreck stuff and fixing it and. then, you know, >> I'm sure a very saturated market on the. content side. Yeah. >> Okay. So, that inspired you to get into. cars. Is that what you're saying? >> No, I've been in cars way before that. >> Are you saying you're trying to make. YouTube? >> Trying to? Yes. >> As part of advertising or as your. career? Um, more more as a career. So, is the cars or is it the YouTube? >> Can it be both?

>> Potentially, but you do have to. hyperfocus. I mean, because at that. certain point, I mean, let's think about. it realistically. You think the car. people that are making a true living off. of YouTube? You think they're curating. their YouTube videos off of what's. making them money in their car business? Or you think they're curating their what. they're doing on the cars based on what. works on YouTube and makes them a living. there? >> I haven't given a thought. I thought it. was. >> You haven't thought about what content. to make. Okay, that's an interesting. strategy for making content. >> Okay. And you know YouTube requires. speaking in full sentences. >> Yes, I do. No, I want to make content.

with cars. >> No, we got that part. >> Yeah. >> You you've you just asked if. >> you've gone two points ago. I just said, are you going to do your YouTube content. based on the work you're doing on cars. that is good for your car business? Are. you going to make are you going to do. things with cars based on what's good. for your YouTube business? Cuz it rarely. rarely ever hits both. In fact, well, no. I I'm obviously it would have be. more on the YouTube side. Yeah. >> So, YouTube side. Yeah. Even though.

you're kind of Well, actually, not. really making money from the rest of the. rest of this stuff. >> Yeah. >> So, you've started a channel and you're. uploading. >> No. >> See? >> See? See what? >> No, I'm saying see that's where I want. to get to is make uh Well, I mean, I do. have a channel. That's where I watch a. lot of stuff, but I haven't posted. anything cuz I'm just I don't know where. to start, you know? >> Post post. honestly. Like without even memeing on you, just.

post. That's where people fail. Just. post. Start somewhere. Okay, >> learn it. You don't learn it by without. doing it, buddy. I don't know. I don't. think you know what you're doing when it. comes to running a business at all. And. no offense, but here's the thing. >> I mean, did you know what everything. when you started this? I don't think so. >> When I started this, no. But I wasn't. jumping in out of my out of the gate. with running a full-fledged business. What I did understand was content. creation, which was the first part of. it. And then I learned the business side.

as we've grown and we've scaled up to. almost 30 employees. >> Okay. So, I'm not very successful. >> Not a full-blown shop. You know, I'm. It's just me by myself. >> Exactly. But you know nothing about. YouTube. And that's okay. That doesn't. mean you shouldn't start YouTube. But. you're going into it thinking it's all. of a sudden going to be a career that I. need to put a you know I need to set the. record straight on that man that is not. how this works. One car very saturated. YouTube niche I I know I even though I. don't know about cars I do know about. that YouTube niche cuz my initial. investor was in the car world. Um I sold. 10% bought it back after a year. Either.

way. >> uh yeah he was in the car world and I. know how brutal that content can be over. there. We talked about it a lot and. unless you're bringing something unique. to it, which is honestly kind of hard, even finances, it was kind of rare for. me to find this unique thing. Like I'm. not going to I'm not jacking myself off. right now. Let's just talk about the. YouTube landscape. Uh to be real, like I. did get a little lucky in this. The fact. is there wasn't a true breakout shift in. the finance space in years. Finance. nature was kind of set. All the players. were set and came in with something.

fresh. The players are set in the car. be like uh what's the little short guy's. name? Um Stefan. >> Graham. Stefan. No, he he talks at the. camera and talks about financial topics. >> Well, isn't that what you do? >> Are you a [ __ ] What do you Am I. talking at the camera right now about. financial topics? >> Yes, you were. >> No, no, I wasn't. >> I seen I seen your little lazy icon. looking at the camera. Like. >> my lazy icon looking at the camera. >> Yeah, your right eye. >> What is he talking about?

No, I'm trying to actually give I'm. trying to give genuine advice right now. on the creative side. I'm not jerking. myself off about how we've been. successful here. I'm just trying to give. an example about breaking out of the. finance space. The the the car space is. also very set. Doesn't mean people won't. get in there. But what are you bringing. that's interesting that is different. that is going to get people to watch you. instead of the car related channels. they've been watching forever? >> Mechanic related channels that they've. been watching forever. >> Well, I mean that's something you figure. out as you go. I mean. >> Okay. So he has Okay, great. So you.

brought in $1,000 from your business. You thought you brought in at least five. to seven. >> Yeah. >> When it comes to that part of the. business. >> Yeah. >> And it was a,000. >> No, it was it was more than that. >> It literally. >> there's there's no count of it. So. >> Well, then where did it come from? >> Huh? >> Where'd it go to. >> bills? No. No. Okay. Did Okay. So what. you are suggesting with that is that. your clients directly paid your. utilities.

>> in a way. Yeah. Cuz they paid me for. >> they paid you which means it would have. hit your account and it would have gone. out from your account to pay your bills. So we would have seen that income. That. income would have been visible. >> But I but I don't always use uh some. sometimes it's cash. You dumb son of a. [ __ ]. >> I just asked that earlier and you said. no. >> You just asked that earlier. >> Yes. And you said no. >> No. Was. it cash? >> Huh? >> Undeposited cash. >> It was It was.

>> Maybe I didn't put that statement in. there. >> Yes, that's what you said. >> No, that's I think that's what you. >> Oh my dude. Oh, he is. Good luck, man. Honestly, good the luck. I don't know. I. I I I'll give you a financial audit, but. I don't know if you have the ability to. make it in life. You might need to be. shackled down at a job somewhere forever. and coddled cuz the How are you. surviving? >> I'm doing good.

How are you surviving? >> Are you happy? Are you okay? Well, is. this Yes, I am happy. >> Really? It doesn't look like it. >> Well, I'm not happy talking to you, but. I'm happy in life. But I do know I mean. Okay. I mean, this is sad. Sorry. I. didn't I didn't have this note. Um, if. this is why you're a little kind of. funny right now, I didn't know your ex. just passed away. What? You told the producers your ex passed. away? No, you are.

Colton, did he tell you his ex passed. away? He did. Well, he did. So, what the. Well, she almost did. Just kidding. Just kidding. Yeah. No, she's not dead. She's alive. Well, I mean, she's dead to me, but No. >> Well, that's different. That is very different. I was about to be very empathetic to.

She's dead. So, you guys broke up? >> Yes. >> How long ago? >> Long time ago. >> Why do we care about this? What the is. happening? >> You're the one that brought it up. >> Yeah. I thought maybe you were in a. little bit of a slump here because you. literally just told the producers your. ex passed away. >> Nope. >> So, what is your plan, big guy, before. we jump into these finances? Cuz you. know you have debt even though you say. you're paying them down and the balances. are going up. And it's it's interesting. how both of that can happen at the same. time. But what's your plan for paying.

off debt? I want to hear your financial. plan. >> Um well, I mean, I got to stop going. out. That's so cut back, >> right? So I let me summarize our entire. plan. Cut back. >> Yeah. >> You have no other strategy behind cut. back. That's that's all you got. >> Well, I mean, if you have a lot of stuff. coming in, you got to you got to you. know, you got to give me. >> a detailed plan start to end. Your. financial plan. I don't have one.

>> No, no. What you would think I want to. assess just where you're at in your. knowledge of finances, what you think. If I'm assigning you right now, needing. to come up with a financial plan, leaving this door, what do you do? >> Cut back on. >> You have kids. >> You have children. >> I have eight. >> Ladies and gentlemen, a financial audit. This is one of the most exciting moments. in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past. year, cuz that is where my passion is.

We finally did it and now we put it all. into one program called DollarWise. Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? just for the next two weeks. You can try.

it for free. If you are struggling or. you want to learn more or you want to. change your life in any way whatsoever. like literal tens of thousands of people. have done with our programs, go to. dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. You have eight kids.

>> Yeah. >> No, I just kidding. I have two. >> Dude, can you Are you okay? You don't. >> All right. I'll be serious now. >> Have you not been serious? >> Yes. Listen, you have two kids. >> You have two kids. You How old are they? Five and 12.

Do they live with you? >> Halftime. >> Really? Mhm. >> And what are you doing? You're. everything. It's no longer Shut the up. It is no longer comedic when kids get in. the. >> Excuse me. Do you have kids? I don't. >> No, I don't know what that has to do. with you not taking care of your kids. >> Well, I'm taking care of them then. >> Every time I push I give you something. that you're doing wrong, you like, well, do you? It's like what the you're a. child. >> and you have children. >> Yes, I have children too.

>> It's always the dumbest people that have. the strongest nut. Let me tell you a. man. What's your detailed financial plan. leaving here? If I had to assign it to. you, tell me what you would do. Like I. keep saying, I would uh get rid of stuff. that I have uh cut off, you know, like. stuff that I don't really need. Try to. get rid of stuff like a truck. try to um. I'll try to minimize. stuff that's. >> talking louder is not gonna help you. think but keep trying minimize.

expenses that are not necessary. >> Oh, that's that's the end of it. That's. our detailed plan. >> Well, I mean that's that's a start, you. know. >> Good. That's why I'm here. >> Oh, for that's why I'm here. There it. is. There it is, ladies and gentlemen. Bingo. Ding ding ding ding. Everyone. wins a [ __ ] dildo. Great. No, you can. take yours off. Huh? He thinks his brain is so fast with his. little zings.

>> But you just said to take mine off. >> Yes. >> My dildo. So you have Can we Can we get back to. the topic? You are a creature that I have never. come across. A creature like yourself, man. >> My pleasure. >> This is It's very interesting. And you. you feel like you always have to fill. the space with a word like that. That. little response. You don't have to.

You're so weird. And then you're. incapable of actually like. >> or are you to tell me how to think or. what not to say? >> I didn't say either of those. What? I. didn't say. >> Well, you said. >> how you think. Oh, in terms of you. filling the air. Well, based off the 30. minutes of this conversation where. you've done that every single time. >> There's the first time you did it. Oh, there it is. There it is. He did it. He. figured it out. >> Okay. Where do you think your finances. are? 0 to 10. Zero being the worst, 10. being the best. >> I'd say like uh three three four.

>> Why do you think? >> Cuz I'm not um like I said, I I'm paying. stuff off. But I mean, it may not seem. like I'm going anywhere, but stuff's. getting. getting paid. >> That's it. That's your whole score. >> Yeah. Okay. He's. max max three4s of a sentences. what you're capable of forming.

Right. If you want your score, go to. calehammer.com. Take the assessment, figure out where you stand in the world. of finances. And if you don't want to be. like a guest on the show, make sure you. sign up for our dollar wise budgeting. app. You can take the free trial and you. can sign up for the annual version that. saves you a lot of money. And it also. allows me to sign a budget friendly. cookbook and mail it directly to you. And you can sign up for Dollar Central. as well, which comes with a premium. version and all of our educational. material bundled together. 80% off. dollar.com. You get it for free, big. guy, if you can figure out how to access. it when we send it to you. You get it.

for free? >> I'm pretty sure. >> You're pretty sure what? >> I'm pretty sure I figured out. Do you. have a computer? >> No, of course I do. Come on. Who doesn't? >> No, I believed you. >> Well, don't believe me. I do have a. computer. >> Don't believe you. So, your version of trying to make. something quippy is by the uh three. times now in 30 minutes. So, once every. 10 minutes on average, saying the wrong answer and then saying, "I'm just kidding.".

Let's let's let's get him to the comedy. mothership, ladies and gentlemen. This guy's going to be a new regular. there. Rogan, get him on. More like um frick, what's his name? >> Well done. You really did that. You did. that incredibly. Thank you. Okay, Apple. card. So, what's going on with this this. card, big guy? What's going on here? Whole lot of expenses.

detailed as always, you know. Yeah. So, pretty much that you see there is, you. know, on vibes, experiences. So, >> what do you mean? >> Yeah. >> Bad explanation if I'm being honest. Let's try it again. What? What do you. mean? >> There's a lot. I mean, don't you see. what's what purchases I've made? >> No. Huh? >> It's the first page. You silly goose.

>> Okay, >> I'm asking you what's going on with this. card. I like to see what a guest thinks. about their card before I go into it to. see if they even know what's going on or. to see where their head is at. Maybe. let's try to answer the questions I ask. so I can try to proceed through this. conversation and actually give you. something helpful by the end instead of. being an incompetent dick. >> How could it be offensive if it's true? >> Okay, first of all, I'm not 100% in love. with your tone right now. >> What's going on with this card? That's a. very overall use card, you know,

groceries. Um, there's couple car parts. in there. >> Okay. >> For, you know, >> some business expenses, too. >> Yeah. So, you. >> It's an everyday card plus business. >> Yeah. You'll see. You'll see that. there's a couple on there like that. >> You all right there? >> Can you my burp? >> Yeah. Seemed like you were going to pass. out or something. Hey, I'm just asking if you're all. right. You don't need to get all hostile. or. >> I'm not. I just burped. I'm just a. little confused. >> All right.

>> So, your balance is $5,987. Um, about that. Um, as of today, it's actually a little. bit higher. Just a little bit though. Good, dude. We're paying off our debt. We're paying off our debt. We're paying. off our debt. Huh? Okay. What's the new. balance? >> Just a couple hundred bucks. Um, 6. What. is the new balance you titsw. 6,800 something?

>> 6,8. >> That's not a couple hundred. That is. $900 higher. >> Couple hundreds. That would be a few. hund. Oh, so hold on. You are you're. from Central Coast. >> Yes. Were you born there? No, I was Yeah. No, no, I was born in LA. >> Okay, then I don't know why you don't know.

words. >> I'm asking your questions. >> You're saying you're saying where do I. where where was I born? And I said no, not not from $200 more. That would. suggest $200 more. $900. $900 more. >> Yeah, >> it is 900. >> So that pull it up. Pull it up on your. phone. Pull it up on your phone. >> That was actually. >> Pull it up on your phone. >> That was a trip to Italy. >> You went to Italy.

>> Yeah. >> Who the are you? You have a child plus. one to take care of. You don't make. money. You sold cars you already had and. you're considering that income. You. don't make You've abandoned your. children. Not at all. You spo pull out. your phone right now. What do you want. to see on it? The apple card. You. creature. Settle down. Dude, if he just answered.

my questions, I would be so civil. I. would be so civil. But nothing upsets me. more than someone who just can't answer. a basic ass question. Parking, Apple Bill, Frontier Airlines, Southwest Airlines, Double Trip, Expedia, There's Cars. Going in getting some. [ __ ] You're going to the gas. stations and get some [ __ ]. >> Minerals spread something. I don't know.

Western Village, Crave Mini Donuts, Domino's going in getting some BS. Craigslist. You. >> What are you you cruising? No, that's uh. for vehicles I post. Strictly business. >> Good death, dude. What is your minimum. payment on there? I didn't see. >> Uh like 187. >> How about you actually pull it up and. look cuz I don't believe anything you. say. >> You would have looked? >> Yes. If I would have looked, then I said. I didn't. So, I'm having you pull it up.

again. This is how this works. You're. wearing a fake wash t-shirt. It doesn't. make you look good. >> Thank you. So you don't look good as. well. [Applause]. [Laughter]. >> Okay. Yeah. What's the balance, big guy? >> Okay. >> Hold on. Hold on.

172. Do you need to see that? >> It's a 172 minimum. Okay. So, it hasn't. been. >> No, as long as you read it, buddy. >> As long as you're not trying to lie or. something, which I don't know. Well, are. you going to say just kidding? Are you. going to pull the fourth one? >> I ain't saying nothing. 172. I'll show. you. You want to see it? >> It's okay. >> Okay. >> When we talk about personal finance, it's about risk management. Things like. building emergency fund or investing. instead of blowing those dollars on.

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the most recent. By the way, how long do. you think this is going to take to pay. off if you only make the minimum monthly. payments and you do not make any. purchases? >> Realistically speaking, >> realistically, perfectly. >> Realistically speaking, >> realistic 3 years, dude, this guy's okay. 20 takes, but but. see, so I don't see I don't see. >> what it's 20. >> Yeah, but at the same time, I'm getting. something out of that, you know? I'm. getting trips, you know. >> You're getting trips?

>> Yeah, I'm getting trips out of. >> someone else's money that you're getting. interest forever to pay off. >> Yeah, but I'm still paying it. So, it's. coming out of my pocket. Experiences, you know. Have you had any. experiences? >> Yes. Why? Why do you keep throwing? You're so weird, dude. You are so weird. >> There we we go on trips with uh with me. and my friends, my boys, you know. Was. that even a family with your kids? Is. this you and your boys? >> Oh, dude. I'm planning I'm planning next.

year to go with take my boys. >> Can I let you know something? >> No, my boys. >> Can I just be honest? >> I don't think you're a good person from. hearing it. You don't seem like a good. father. >> Oh, >> I'm sorry, but it doesn't seem like it. How? So, what do you mean? >> Okay, you quit your job. You make no. money. You sold the only money you had. was from cars you already had that. you've sold. Now you're going on trips. with the boys, putting yourself in a. worse financial situation. >> That's not That's not on everyday. >> You can get evicted. You can struggle. paying for food and the kids that you. have to take care of half of the time. are there. So you Yes, that is what a.

bad father would do. You don't. prioritize boy trips over taking care of. the kids. I take care of the kids, >> but it's on debt now once the debt's all. maxed out and you can't open anymore. No, you won't. >> Well, the debt's not maxed out. >> You don't have a job for 2 months and. you've only sustained yourself by. selling cars you already had. >> I have a It's now it's it's this. >> you have a truck left to sell. This past. month was was about. >> You've had two months. >> Okay. It's not the end of the world. >> That's 50%. >> Not the end of the world. >> The only reason the first month did. well, which by the way, I actually don't.

believe because once I called out the. second month, you're like, "Oh, wait. No, I didn't do well." But either way, if your first month did do well, it's. only by selling. It's only by selling. the cars you already had, the vehicles. you already had. Italy was 3 weeks ago. [ __ ] me, man. And it was a boys trip. It. was. That's not what a good person does. You don't other people and you could be. your kids. They don't have a college. fund. You could get evicted. Putting. food on the table gets hard when you. don't have money. You don't put the boys.

trip over that dick. >> In my defense, that's my kids are taken. care of. All right. >> How? >> It's not like It's not like, oh, >> tell me how they're taken care of. >> Well, yeah, they have a roof under their. heads. >> until they don't. You think no one loses. the. >> I lost my train of thought. You freaking. >> No, no. Go ahead. They're taken care of. Go on, please. >> They're taken care of. Yeah, they have. food uh you know, food to eat. Um they. got clothes, you know, so it's it's. never, you know, nothing's been an issue. with them, man. >> Clothes probably debt. Food probably. debt until they're maxed out.

>> Nope. >> No, >> I have, you know, there's there's uh. jobs that I have, you know, that pay. cash and I I get them stuff. So, >> okay. IRS ring ring. >> Okay. But it's not what it's not like, you know, freaking. >> in your rent, right? >> Yes. >> Yeah. 7.8. eviction filings occur per 100 renter. housings in California a year. 7.8% of.

renters get an eviction filed against. them. And you suggest that no, it's. okay. They have a roof over their head. That it's not a permanent thing. that is. almost 10% get an eviction filed against. them. That's substantial. >> Okay. Well, don't let it get to that. point, you know. >> No, at some point it be doesn't become a. choice unless you do something illegal. going the the road you're headed. You've. lost the things to sell other than one. truck. You bring in a thousand from your.

business. You spend it all on boy. strips. The food and clothes goes on. debt. Debts gets to be maxed out. You. can't open any more debt except for. payday loans. And eventually they stop. approving you. Then you can't pay rent. and you get evicted and then good luck. ever getting a place again. You know. what? Yeah. That's all what if, should. have, could have, would have. >> No, no, no. That's what happens to real. people. That is not what should have. happened. No, that is not in the past. That is the future. >> Okay. >> These are possibilities. These aren't. hypotheticals of the past. These aren't. hindsights.

>> Okay? >> This is what happens to people right. now. And you think nothing of it. Again, that. is what a f bad father would do. >> You thought a lot about it. Yeah. You. say it's not possible, so you haven't. thought about it at all. Or you've just. completely found some. >> So, there's hope. There's there's other. dads out there that are doing way worse. You know. >> what does that mean? Just because the. dad is hitting their kid doesn't mean. you're not being able to pay your rent. is good. >> I But I am paying my rent. So,

>> for now, do you not understand what I am. saying? >> Well, that's what I'm trying to renters. yearly. That's why I'm taking, you know, control. of it. >> Come on, dude. You, three weeks ago, you. and your boys were giving each other. [ __ ] on the plane to Italy. >> Oh, wish that thing was you. >> Huh? >> Huh? >> Oh, and you're buying $540 Gucci bucket. hats.

>> You're douche. >> No. Yeah, you're kind of a douche. In my. defense, I've have sold that hat. already. So, what did you sell it for? >> 300. >> Jesus, [ __ ] sake. >> Yeah, there's no way in house. >> Just to survive and that shows us how. close you are, by the way. So, in the. last month on the Apple Card, Apple bill. going in and getting some bull. Okay, tell me when you go to the gas station. and you spend $3 to$5, what the are you.

getting? Energy drinks, >> of course. Oh, there it is. Oh, look at. that. Why don't you bring it in a screen. for everyone? Not sponsored. Show them. what you got. There you go. All that instead of a roof. over his kids' heads permanently in the. future. That makes no sense. Why are you. not buying a bulk? Why are you not going. to the Costco or the Sam's Club or even. just Amazon at that point? Buying. individually is brutal.

brutal. >> I mean, in in my case, two is. >> I buy I buy the little uh caffeine. pouches. So, those are like six six uh. pack of what? Six to eight for two. bucks. >> Well, but then why are you going like. every day? And then Lime Ride Pizza. What? Lime Ride Piaza. Lime Ride. Lime Ride. >> You got to say it right. Piaza. >> Piaza. Missouri. Ford Bunner. Uh, Piaza. So, this is in Italy. Smith,

Heathrow. That's not In and Out. Western. Village. La Mia, Nick the Greek, BaskinRobins. Going into the liquor. store. There's the cope. We found it. It's ridiculous, my guy. Listen, $620. interest charges here alone on this. card, which is substantial for your Z. income. Essentially, 23.24%. interest rate. 23%. That's not bad.

>> It It is, but I'm not going to even go. down that like Okay. Like, how do I even. Okay, what's an example I can even say? Why do you think it's not that bad? Cuz like I said, it's. Why do you think 23 is not that bad? >> Because it's like I said, there's people. out there that are paying way more. interest. Tell me how that makes yours. not bad though. >> I mean it makes me feel not like it's.

not. >> makes you feel. So it's a cope. You're. coping. >> Yes. >> But that does not mean it's not that. bad. >> Correct. >> To me. To me it does. >> To me. What is the to me? Some things. are objective realities. This is. objectively bad. You disagree. >> I disagree. Yes. >> How? Please tell me. It's not. objectively bad because other people. have it worse. >> Yes. And because other people will have. it worse, can you tell me why that. specifically makes it not bad regardless. of your feelings? >> Well, I mean, not that it's not bad, but. it's like, you know,

>> that's what we were just talking about. >> It's I just I just don't see it that. way. >> That's not a response. >> What What good am I going to be out of. stressing over a credit card that, you. know, at the end of the day, I'm still. going to have to pay. So, you wouldn't. be spending on it in that case on. [ __ ] on Piaza. Yeah. Yeah. >> Uhhuh. You wouldn't be spending on it. >> Well, I'm not spending on it no more. So, >> okay. I just saw it. Yes, you are. Since.

we got the statement, which was last. month, it's gone up $900 or a couple. hundred. >> Yeah. Well, it's not going to go no. more. So, >> that's not an answer. That's not an. answer. That is See, and this is what. the worst of the worst do on this show. The moment they are backed into a corner. to try to explain what they've done or. what their mindset is, they said, "Well, I'm not doing it anymore starting. today." That is not an answer. I have no. proof of that. I have no trust to that. based on what you've done. You do not. get out of a point by saying, "Oh, I'm. going to stop it at this exact moment.".

That is [ __ ] That is not. >> okay. Cuz I'm I'm Yeah, I'm I am going. to stop. You know, >> I hope. >> after after a trip to Vegas. >> You're going to Vegas? >> [ __ ] when? >> I don't know yet. Maybe next month. Maybe sooner. >> It's not booked. So, you haven't even. booked it and you're planning on doing. it. And you think And you think you're.

you're willing to do that after this. show? You're willing to do that. So, it's I'm going to diet it after this. week. I'm going to have one more week of. fun. Then no one ever starts. >> But it's a might. It's a might. >> It's a might. A might is nothing to me. You told them it's already booked. Yeah. They're chatting to me. They know you. They know your entire life. They're. telling me it's already booked. >> Is it already booked or was that I'm. just kidding? >> Huh? >> Yeah, it's booked. But not not by me. >> By who? >> By some friends. >> It's a boy trip.

>> No. >> What is it then? >> It could have turned out to be a boy's. trip. So, you're a douchebag. You are a. douchebag. >> Good. And you have to Venmo them. >> No. >> Okay. So, you don't have to pay for your. ticket. >> Yeah. It's. >> You do not have to pay for your ticket. >> No. Why? It's. So, this was actually a bet that, you. know, we had going on and one one of. them one of the friends lost and that. bet was that if he lost he would have to. cover a you know, a trip out to Vegas.

>> What was the bet. >> that? Um, so one of our friends is lesbian. Um, and she does not give off lesbian vibes. So we tricked him into. uh cuz she was she was into. >> like she went up to him and what. >> like that he could have had gotten with. her. He could have her. So the bet was. that he. >> that if he did, which he thought he he. would.

>> someone not attracted to men. >> Yeah. Yes. That so that. >> and then he he pretty much said he's. like it's a done deal. >> And little did he know that that was not. going to happen. >> Lesbian. >> Yes. >> So he owes us a trip to Vegas. >> Okay. And for he is paying for. everything. So you are paying for no. hotel, no food, >> no hotel, no food. N.

>> no gamble. >> Not at all. >> He is paying for your gambling. >> No, I'm not gambling. >> He is paying for your shows, whatever. you're doing there. >> Yeah, pretty much. >> Everything. Not one cent from you is. being spent. >> Well, I mean maybe like a hundred bucks. me, you know. >> Uhhuh. >> But that's. >> And where are you getting that 100? Let's go. >> from. >> Okay. They are calling you out. I don't. know what you are if you're on camera. and nervous to tell the truth, but. they're saying he loves going to a. casino. Don't let this talk fool you.

>> No, take this out. Do you mind, Colton? >> Sorry, I stole the camera or I'm sorry, the microphone. Um, so here's the thing. We were sitting in the green room and uh. Matteo gave me his cell phone, right? And I was trying to log him into he was. having an issue logging into the guest. Wi-Fi. And as I was holding it, he got a. text message from somebody and then the.

name of Chum Mash Casino. And now here's. the thing. I'm going to call myself out. I love Chumash Casino. So we had a long. conversation about Chumash Casino and I. saw uh and the thing is I know he lives. 30 to 40 minutes away from there. I know. that he told Colton when they had their. pre-in phone call that you go all the. time, but then he also told me that he's. now uh maybe going to be doing some work. with them, which here's the problem. When you get paid by a casino, you spend.

it at the casino. Um, so that's what I. know. Colton, did I miss anything? >> I'm also going to Vegas in August. So, we were talking about. >> Okay. Going to Vegas August. >> Yeah. So, Colton's going to Vegas in. August. You told Colton that you the the. trip's already booked. So yeah, I feel. like you're you're skirting around some. things here. >> You're a lying piece of No, >> come on. You just told me. How can I trust the words you say in.

this conversation? You certainly can't. trust that you're going to change. anything after this. >> I'm trying to be as honest as I can. >> No. >> Yes. >> No. Objectively not. That's happened maybe one other time. that we filmed. That is not an indication of someone. that tells the truth. >> Yeah. >> These children, man. Going to have to. get Dean Withers on the case for this. one. >> Dean Withers. >> Okay. The freedom card. Oh, wow. One.

card in. Oh, jeez. Me. Freedom card. What is this? >> Freedom card. >> What's going on? It's that's a overall. credit card. >> That's what you said for the last card. >> Yeah, this one as well. Surprise. >> So, it's not the It's. >> one of many. >> Okay. So, are they all overall credit. cards? >> Yes. >> What are you doing with this card in. your What do you even think you owe on. this? >> On which one is it? >> The Freedom card.

>> Um, >> Chase Freedom. >> I think there's one that's like 1,200. >> There's two Chase Freedoms. >> Yes. Oh sh $3,448. with a minimum monthly payment of $109. 13 years to pay this one off. Both kids. will be out of the house. >> So that one I tend to use a little bit. more if you see uh transactions for. vehicles for so business. >> Okay. Well, I saw that on the other. card, too. >> Yeah, like I said, it's dispersed. dispersed all. >> but it is either there's uh come wash.

sports bar. >> Whoa. And there's no sports bar in. there. Come wash sports bar and mer. catio. caner some I don't know but there yes. there is a lot of auto spending on here. now does that make sense if you can't. pay it off and interest is acrewing. If. you went into O'Reilly and you bought a. part would you pay 30% more for that. part if there was a 30% tax on it? >> No. Well, that's what you're doing cuz. you're putting on a card with a 27.99%.

interest rate. So, you're paying. >> But I mean, essentially, I'm going to. get that money back from the customer. Yes. >> Well, you're killing your margins cuz. let's say you have a 60% margin. Now, you're killing that by half. >> Like, um I'm going to make that back. >> Yes. So, you're going to do a 30% markup. than the market demands for these car. repairs. more like a 20. >> a 20% markup over the market. >> Yeah. >> So, why are they hiring you? Clearly,

they're not cuz you're not making dick. But why would they hire you if you're. 20% higher than the market? Because you have to be in order to make. up for what you put on a credit card. >> Yeah. >> Yeah. Why are they hiring you? >> Because it's they know me. >> No, you made a,000 last month. Why are. they hiring you at a 20% markup? Steven. still still does not cover that 30%. >> Who do you mean by they though? >> Customers cuz they know me. So.

>> you made $1,000 last month. >> Yes. >> So why would anyone pay 20% over market. rate for these? Cuz there's certainly no. other. >> They're not going to they're not going. to pay that 20% less and go to the store. them themselves and do it. >> Listen. No. I'm saying compared to the. market because your costs are higher to. run your business and get your parts. If. they go to an other mechanic, it would. be 20% less. >> Well, yeah. Like I said, that goes back. to them knowing me. They. >> You made $1,000 last month. Clearly,

people knowing you is not working. >> You're asking why they they go to me. versus. >> Okay. So, we're relying on like five. people going to you, >> give or take. Yeah. >> Five people is not living. Is there an other part of this. household? Are you alone? Yeah. What's your rent? >> 22. [Music]. >> It's not bad, is it? For California.

>> Shut the up. >> It's not bad. >> Shut the up. >> Still not bad. >> Shut up, dude. Look, content creation takes a ton of. time. I shoot everything myself and even. with a team now, there's always. re-shoots, retakes, editing. It adds up. fast. And honestly, sometimes I wonder. if I should have just started a faceless. channel and saved myself the headache. But here's the thing. People connect. with you. The face, the voice, the. delivery. That's what builds trust. So,

if you're an aspiring creator and don't. have a crew or tens of hours a day to. make one video, Invido is going to save. you. Invido just launched its AI twin. and it's wild. You upload a short clip. of yourself talking and it builds a. digital avatar. Same face, same voice, sounds just like you. Then type in your. prompt. That's it. And video turns that. into a fulllength studio quality video. with your AI avatar delivering it in. your voice, even other languages. Your. employer is literally offering you free. money and most people are saying no. Or.

don't use your face at all. They've got. a full library of AI actors that can. host your content and even interact with. your product on screen. Just upload a. photo or a link and Inv video will. integrate it right into the video with. the actor. I replaced myself with AI and. my video quality actually improved. Okay, hear me out. I was skeptical, too. But this AI actor never has bad hair. days, never stumbles over words, and is. available 24/7. You're not scripting, not filming, not editing, or just. directing. And if you want to tweak. something, just say, "Have the avatar. appear more and change the scene at 5.

seconds, and it'll adjust it for you.". More tools out there either over. complicate things or only handle one. part of the process. Invido AI actually. does it all and does it well. So if. you're trying to create more content. with less friction and higher quality, go to the link in my description. Check. out Invido AI. Create your own free. avatar. This is how creators scale. without burning out. Let's get back to. the episode. That makes no sense. How. could you? How how how how you're. suggesting you're never going to be one. of the one in 13 people in California.

that are going to get an eviction filed. against them this year when your rent is. double what you brought in last month. without selling a vehicle and you only. have one vehicle to sell left and then. you're done. Cuz even flipping a car, let's say you flip more cars, right? >> Mhm. >> You have to have money to be able to buy. the thing that you're flipping. Even if. you're buying it on the cheap selling a. little more expensive, you have no. capital. You have no capital. You make. no money. I'm going to start making. money. >> No, it's impos What? What do you mean? How? What? What? Okay. What's your. strategy besides besides charging 20%.

more than anyone else does? Uh. >> which is a winning strategy and very. bold. >> Think I'm just going to get another job. and then. >> Well, there you go. Now that's an actual. solution. >> Why'd you quit your job to begin? >> To kind of go on my own, but. >> with no plan? >> With no plan. Well, I mean, it was an idea, but you. know, nothing set. >> No. No. It wasn't just an idea. You quit. your job. This was not just an idea. >> I thought it was going to be a lot. easier. And you know. >> why? Why would you suggest that? How.

many successful business owners are. there? Business businesses fail in the. first 3 years endlessly. So what the you. talking about? You thought it was going. to be easy. You know nothing. >> I mean one's naive. >> Why did you think it was going to be. easy? >> Cuz I had the right I I thought I had. the right people around me. >> Right people around you for what? >> Kind of advice, you know. >> Advice. Okay. What would the advice be. that you took that has not worked? >> Um,

>> I don't know. That's a That's a That's a. tough one. >> Now I know why you actually left cuz. again, you either don't remember the. real answer or you're too nervous to say. it on camera or you're a lying piece of. But your coworker influenced you to. leave. >> Mhm. >> And I am not surprised cuz they showed. up every day to work and you were there. Hey, that was good. >> I'd influence you, too. In fact, I'm about 30 minutes away from. influencing you leaving the studio.

>> You've had a late fee this year so far. >> So, not only the interest alone, >> just one doesn't matter. It's a late. fee. >> Yeah, >> you are paying money to hold a balance. that is acrewing interest that is. preventing you from ever having a. successful business and of any kind. ever. Why does someone like you think. you can even go to Italy? That doesn't You can't even come close. to a foreign. >> That was before. >> before it was into into anything, you. know. So, >> it was 3 weeks ago. You were still.

an entrepreneur at that time. >> Boy, ladies and gentlemen, yikes. Hundreds of dollars in interest acred. that year this year so far on that card. >> PayPal credit. >> Oh, that's going to. >> What's going on other than this is just. a card I use. >> So, that one is more um online.

purchases. >> Online per Okay. >> Online cuz I have it set up to where. it's like checkout is. that's so easy. >> Yes. Well, you online purchased. obviously endlessly cuz you owe. $3,835.95. 14 years to pay off. >> That's with the minimum though, right? >> With the minimum without any purchases, but again, you purchase $244. So, you. and you only put on it towards the. minimum. So, uh Oh, [ __ ] you.

>> Right back at you. >> $125. is your minimum. Oh, it's for Airbnb. What? Italy. >> The Miami actually took. >> what? >> But that's that was for what? >> That was a while ago. >> No. >> Yes. >> It was less than a month ago. >> Yeah, that one was uh.

Sorry, I got a little mixed up. Yeah, that one. There was there was one in. there for Italy. >> Got mixed up. >> Yeah. >> How do you get mixed up? Cuz I. >> Do you travel that much? You dick. You. have kids. You're a father. >> What? Fathers can't travel or what? >> No. Not when they can barely keep a roof. over the side. >> They have You don't pay child support. >> No. >> Cuz you got 50/50 custody. Do you get. any money? I know you get maybe a part. of a tax child credit. >> Mhm. >> Just at the end of the year when I do. Texas. Yeah. >> Yeah. Wish. Good luck this year. Air B.

Air mother. Yeah, it's those are a lot cheaper. Use. this card. No, it was for this. No, it. was for this. I have the notes. Use this. card to pay for the music festival trip. to Miami. And you admitted you travel to. impress women you're dating. You wanted to impress a woman that you. were flirting with. So, you took her on. a trip to Miami. Oh my.

These are the people making children. The trip was $2,000 in total. The trip. was in $2,000 in total. >> Yeah, >> that's. that was a couple years ago. So, >> you can't travel just to impress women, dude. >> That was that one time that. >> Why the are you telling producers that? See, I don't believe you because you. tell them stuff when it's like, "Oh, the. camera's not on." Everyone's a lot more. willing to share and all of a sudden.

you're on camera and it's like, "Oh, backtrack, backtrack, backtrack." Shut. the up. That was just. >> Shut up. Don't believe you're worth. anything. You've lost all credibility to. this conversation. >> Oh, wow. >> Wait, you don't think you have? You've. lied just kidding multiple times. >> No. >> Great rebuttal. >> Okay. >> Really convinced me. How many lay fees. have you had this year so far on this. card? >> The PayPal. I want to say one. >> Okay. Three.

about just half this year so far. >> Yeah. >> Father of the year. >> Thank you. >> That's not cute. That is not cute. That. is not funny. You are a father. It's. disgusting. >> Disgusting. >> Hey, a father. I mean, >> it's disgusting. >> You got to You got to think about mental. health, too. You know, I need to go out, too, to kind of, you know, you you don't. know what flying to Miami for. >> sucking dick in Italy. >> Whoa, whoa, whoa, whoa. >> That's something you probably would do. Yes, I like I would go to Miami and.

Sure. >> No, Italy. And. >> oh, sucking dick in Italy. >> Yeah, something you would do. >> I'm okay. >> Like I said, it's it's something Yes. It's not, you know, >> you know, you endlessly just do the I'm. rubber your glue. Anything you say to me. sticks to you. That's your entire. existence. >> Sure, if you want to call it that. >> There it is. Kind of again in a. different format. >> Yeah. So, like I said, it's. it's something that that, you know,

takes me off, you know, kind of. >> Yeah. But it's endlessly. And it's your. entire household financial situation, which impacts your kids more than you. Come on. Been in a slightly upset mood. for one day. Unless you're a horrible. person that takes it out of them. Then I. don't have that fear. >> You don't know me. >> Are you someone that beats your kids? >> No. What the hell? >> Then why are you saying that? >> Well, yeah. You're making it seem like. Well, you're saying I'm a horrible guy. I'm not. >> I just said unless you are and you said. well you don't know me. >> Well yeah that's what I'm saying like. I'm not.

>> Dean Withers. Thanks for keeping us on our pacing I. guess. >> Thank you. >> You like a producer role? >> Yeah you have some deferred interest. happening but that is for a very small. balance compared to the rest of this. which is at basically 30%. >> Is that the other the freedom? >> We're talking about PayPal. Oh, >> buddy. The freedom was. >> there's two. >> 15 minutes ago. >> Well, it's cuz there's two. >> PayPal credit's not even similar.

>> All right. All right. >> Oh, no. Oh, why? Why? Why are you. breeding? >> Bread. Not breeding. >> You're getting bread. >> Said bread. >> I told you guys. he's he's the one who gets bread. >> Yeah. >> With the boys in Italy. something you. will do. Good one. Bonvoy card.

What's going on with us? I dare ask. So, that one started off uh just uh going to. be actually pay for the tickets to Italy. and then it turned. >> Wait, I saw Hold on. I saw flights on. >> I saw flights on the Apple Card. >> Yeah. from from from two different. flight places. >> So what how many trips are we going on. right now? >> None. That so the Italy was a little. dispersed if that makes sense. So I used. >> No, it doesn't.

>> I used multiple cards out there. >> on one purchase. How many flights did you buy? Were you. flying around Italy? >> No. Um those are. >> We already had two flights on your Apple. card. What is What do you mean flights. on? >> So So not not flights. Um uh I could. have sworn I bought the tickets with uh. with that with that card. >> Okay. So you owe 5,149. >> and 91. with a minimum monthly payment of $157. >> And. what.

>> the balance is a little little higher. What what uh what do you have right. there? >> Bonvoy card. The one. >> the balance. What do you have right there? So, what. am I asking? How would I have known. that? $5,149.91. 6,000. flat. >> 100. >> Okay. >> 86. >> Oh, for [ __ ] sake. Okay.

>> Which is not bad, actually. >> Minimum. What's the new minimum? >> 200. And let me pull it out before you. scream at me. >> I'll get you on the Fizz card. Debit. card that builds credit. That way it. actually controls your spending. I'll. also gift you a course career. certification so that you can go get a. real job. What is a real job? Uhhuh. What's the. minimum monthly? Oh my with this guy.

Oh my. It doesn't say it's because I. just paid. It doesn't give me the. I'll say $175. Good luck to us. >> I was going to say 180 something. >> I was going to say shut the up. $95 in. fees. Is this an annual fee? Then $105. in interest. It is an annual membership, man. Paying.

a membership to pay interest. What a. blessed position to be in. $26 in. interest this year so far. Yeah, cuz. it's relatively new balance. That's so ridiculous. So ridiculous. How long are you in Italy? Cuz that's. also opportunity cost. So you're not. making income. Um just after a week. Okay. Destroying your life and your kids'. lives for one week of pleasure with the.

boys getting bread. Nope. You're the one who said it, man. Okay. What about the second freedom card? >> Second freedom card. Um, so again, that one's all over. A little bit of uh car parts. You should. become a commentary creator, >> right? >> Instead of a car creator. You're so good. at talking, >> right? Yeah. >> $4,813.13. with a minimum monthly payment of $161.

16 years to pay this one off. $113 of. interest acrewing. Basically maxed out. No one's surprised. All these You won't. pay off any of these minimum payments. only without any purchases, which we. know you're incapable of until the kids. are out of the house, which oh my. goodness, I can't wait for them. >> Oh, you've had a late fee this year so. far? >> Yes, I did. >> Why? Why are we having so many late.

fees? a ton on PayPal credit. One on. both freedoms each bonvoy probably. I. didn't even take a chance to look. And. same with the Apple card. Why? Why so. many late fees? >> Pretty much payment. Customers kind of. lagging on payment. Kind of set me back. on income. So, hence the late fee. >> Well, walk me through that process, the customer payment process for you. >> Yeah. So, pretty much um they tell me I.

was I'm going to get payment a certain. date. I don't get it. And I mean, >> do they have a legal contract? >> No. But ask me if I do that. I do know. Yes. >> Huh? >> I said from here on I'm going to do. that. >> Of course. From this exact moment. >> How many times do you lose payments. >> because they don't pay? I thought these. were people you know. You said they're. all people you know. >> Yeah. So show up at their door.

>> It's not that easy, you know. >> No, you can't walk. Can't drive. >> Yeah, I could, but. >> So what's the complication? >> I mean, I do I do give them, but it's. just them. They're just they're they're. in a hardship, you know? They're like, "Hey, >> why are you doing business with someone. in a hardship? Why are you doing debt to. someone who can't pay that back?" It's. almost. >> because they in the beginning, they. don't say that. >> You know, I I go. >> because you knew them. >> Yes. But they don't tell me. So, you're. like, "Okay, here's a $500 deal. Cool. I'll pay you later." You come to them, "Oh, I'm going to find no I work on.

their car. It's going to be this much.". Okay. Boom. And then when I finish it, they're like, "Oh, they weren't expect. >> prepay.". >> Okay. >> I mean, that's what mechanics usually do. is they get a diagnosis, say what needs. to be done, and then you have to pay for. it, and then they do it. >> Not everybody works that way. >> That's what the mechanic shops do, though. >> I'm not a shop. >> I know. >> I'm like, >> you're right. You're a failed business. So maybe let's take a look at those who. haven't failed. >> Okay.

So. at least you're the one getting scammed. instead of scamming everyone like most. mechanics. Okay. So well done. >> At least I'm an honest mechanic. Tell. you that much. >> No. No. You're a [ __ ]. >> When it comes to fixing cars, yes. >> Well, that's not giving me reassurance. for the cars driving around Santa Maria. That just be careful on the horrors, ladies and gentlemen. >> Yeah. Oh, that's the people that's not.

that's just people have, you know, driving. They got to be careful. >> with people on the cars. Yes, they are. driving when they're on the roads. >> That's what I'm saying. They they got to. be careful. >> Yes. Be careful while you're. >> I'm glad we both can agree that when. people are on the road, they are. driving. Hey, you're the one that. brought it out. >> No, I'm not. But you just don't know. You You don't hear yourself. I hope when. you watch this back, you find it. >> I hope you hear what you're saying.

So 27% interest, right? 1,000 hours this. year so far. No, no, $616 this year so. far in interest. >> Pretty bad, huh? >> What was that? Pretty bad. Yeah, that is bad. I almost want to give you a high five. for that one. Discover it. What's going. on with this card? That one I opened up. to consolidate all my chase cards. >> All the chase cards that have thousands. on them. >> Mhm.

>> Every time. Ladies and gentlemen, can we. I can I just I need to just like sound. that plays anytime this happens. When. someone consolidates, they don't change. their behavior. They rack up their debt. Now they have double the debt. So. moronic. And honestly, it doesn't even. make sense cuz you're still purchasing. on this card. That was a consolidation. card to begin with. Oh, you're. purchasing on it cuz it's the 0% card. Is that why 22 years to pay off? By the. way, good the luck. You're laughing about that. You're going. to be reaching the age when you can pull. from your tax advantage retirement.

accounts penalty-free. >> when this card is paid off. Okay, dude. $143 minimum payment with a balance of. $7,000. The highest so far, $142.38. That's insane. How is your credit score. 693? I have no idea. >> Cuz prior prior to those I, you know, I. was, you know, had my So this all this. debt just recently just went up, you. know. >> Well, when you decided to randomly quit.

a job and go to Italy. Yeah. Who would. have thought? Yeah. No income and. spending all our money leads to. Whoopsie. Bye-bye money. >> Yeah. >> A weird mathematical equation there that. no one would have ever expected. What. are you What are you purchasing on this? It was gas. >> Yeah, >> I think or cars. >> I mean, the new purchase. Yeah. Strictly. just like um. >> Yeah, but it's insane. You're just. boosting and boosting and boosting it, man. And it ends in less than a year. It's interest free. >> Mhm.

>> Interest free ends in about 9 months. with this. 8 to n months. 8 to nine. months. So, you without making any. purchases, by the way. Without any. making any purchases, by the way, you. need to pay this off and you need to. give about $893 to it on a monthly. basis. 8.93 a monthly basis just to pay. it off before interest acrews. Now, because it's not deferred interest, we. don't need to freak out about it and. actually do that. But that is what we'd. require to pay it off before interest. hits.

>> It's actually that's probably the the. worst one there. Yeah. >> In terms of the highest balance. >> Yes, >> I would agree. Okay. Slate card. What's. going on with this? >> So, that one was an old or it's been an. old one that just kind of lingers. I. don't get. >> Well, you literally had $13348. of purchases on it, even though $3042 of. interest was acrewing. Even though you. are not paying it off. >> So, is this lingering? No, you're. actively spending on it. What are you. talking about? You owe $1,33042,

>> but I haven't used it in a while. >> Okay, you literally just spent on it. You actual dumb. You actual creature. You actual mother. You actual father. What? Hey, what? It was this last month. It was this last. month. There you go. June. And it was car parts, which again, it's. like, yeah, you got to do that for your. business. But. you're doing it on a car that is. acrewing interest that isn't lingering.

You're boosting it. >> Yeah. >> Bounce one up, you tit. But I mean, how. how I mean, when you have. when you need to get um a car fixed, like I mean, do you would you rather not. fix it, not get the job done? >> Have you ever had a dream that. you um you had you. >> your own car or someone else? >> Somebody else's like I mean I would. rather you go get a job that pays you. instead of you trying this on your own. because you're a complete failure. >> No, not yet. >> Yeah. No. No. Literally yes.

>> Literally yes. I beg to differ. >> How? >> Cuz. I think when you're a failure, you're. out on the streets. You know, >> you're almost there, man. You have no. idea how close you are, which is very. scary and very upsetting as a father. $43 is your minimum payment on this. 5 years to pay off. But the see the. thing is that um what you don't see is I. don't I don't always give the minimum.

payment of those cards. You know, I. always get try to get more. >> Buddy, you had late fees on almost every. car we looked at. >> That was just last month. >> No, you had you had half the month so. far on the PayPal credit alone and the. rest were just minimums. You put a. little more than the minimum on this, but it didn't matter anyway cuz you. still spent on it and the balance went. up. So, that makes no difference. So, do. the thing where you shut the up and I'll. be happy. >> No. >> Hey, creature. Apparently, open a new.

card, right? Hey, isn't that what we. talked about? >> Yes. >> At the beginning. So, pull it up. Let me. see. Pull up your new card. Not the card. itself. The app on your phone. >> For which one? >> Your new card. Are you saying there's. multiple new cards? >> No. >> Then which one do you think I'm talking. about? Oh, for sake. Okay. Saver. It's a. saver card. Well done. Halfway to maxed. out. You owe $227.40.

Uh, expected trans not expected. transactions, recent transactions. >> Yeah. So, that one's been. >> Okay, guys. I have an announcement. I have an announcement. He went to the restaurant downstairs. right before coming on the show. Yeah. Right downstairs. He just blew. almost 20 bucks before coming on the. show where I'm about his spending. Maybe. he didn't think I'd see the statement, but that's not a chain restaurant. That. is a local one-off restaurant. the. sandwich place. Yeah, he went to it.

It's pending right now before coming on. the finance show where his purchasers. are. Dude, you're a dude. Went and got. some bull. Went and got some [ __ ]. Little Caesar's pizza. Went and got some. [ __ ] Oh, went and got some. [ __ ] Got some [ __ ] Got some. [ __ ] Got some [ __ ] Okay, here's all the monster purchases now. Monster Pooyo Zukina interest pass. Doofy, you just opened this card. you. Okay. Yeah, just take that. Okay.

Apparently, I have a car loan. Uh, it. says that order pull from the last. statement. Colton saying you probably. haven't attached it. >> I can pull it up. >> again. Not sending us your statements. It is a 2016 Tahoe. Okay. What do you all want it? 22. >> 22,000. Sorry. Uh, 19,000. >> 19,000. You own a car making $1,000 a.

What's your minimum monthly payment? >> 9. Sorry, $5.99. >> What's it worth? >> Uh, right around 18. >> That is true. Still underwater, but at least it's only. $1,000. We might actually sell it and do. something different. Except you're going. to say you probably need it for work, but your work's a [ __ ] and you're. going to go get a real job, so I don't. really give a [ __ ] about that excuse. What is the interest rate? >> Um, you're going to be surprised for. that one. >> How high or how low?

>> Cuz with you, I don't really know. >> So, this one was is low. It's uh. 3%. Or three, sorry, 3%. >> 3%. >> 3%. Yeah. >> Okay. 3%. And what is your minimum. payment on the saver? I didn't put that. in on a saver. 25 bucks, I believe. >> This car loan is so substantial. Huh? What is it? Saver. >> He can't do two things. Okay. >> 20. >> Do I need to let you focus? >> Yes.

>> Saver. >> No. No. Focus, guy. >> Almost there. Okay. Um, it doesn't it doesn't give me $10.17. Just tell me the minimum payment. >> Okay. Sure. Whatever. I'll say 11 bucks. >> Yeah, this car is way too expensive for. someone on your lack of income scale. If. it was your previous job, it actually. probably would have fit, but no, it's. not. So, you got to Can you get your. previous job back? >> No. >> Why? >> Cuz um uh there might be a conflict of.

interest. >> We'll deal with that in the post show. You know what we're actually going to. have you do? I'm going to have you call. your old boss and ask for your job back. So, we'll do that in the post show. Okay. Checking account. That's it, right? No more debt. Doesn't look like. $146. Uh, that's not a lot. A Snap-On payment. So, you have debt to. Snap-On. >> Not anymore. No, >> that was your last payment. >> Yes. >> Well, you'll fall for it again. You. people like you always do. Zelling out. money. ATM withdraw. Who knows where the.

[ __ ] that $100 went? ATM withdraw. Who. knows where the that $600 went? Panda. stick. Who knows? That's a food. And. zelling money out. $45. Far West Liquor. Cope drink. Sure. Sure. Sure. I'd need if I was around you too. Cariana, Snap-on, Goians, and BS ATM, which are $180. Where does all this cash. go? >> Bills like um uh utilities, trash. Yeah, >> cash. >> Those I pull it out. Yeah, >> in cash. >> Sorry. Um no, no, no, no, no, no. Um.

>> look, curiosity that Lindsay is giving. you right now is like, what the. uh yeah, it's to pay some bills. Um, not. not necessarily. It's more like people. owe money or whatever, but I don't I don't I mean I don't know. like high amounts of money to anybody. So, it's just. >> Huh. I'm sorry. I'm I'm sorry. Listen,

you're beyond me. You're beyond this conversation. And. it's not a give up situation. I am going. to pay for him to sit down. I'm going to. pay for him to sit down with a budgeting. expert. Sometimes we do that when people. are too lost. This guy's too lost. He. can't handle this conversation. I need. someone who's willing to baby him from. about 5 hours. Buddy, you're done. You're done. Honestly, and your your. budget's obviously cuz you don't make. any money. That's why we're going to. call your old boss in the post show, but. you're done. Your financial score is. zero out of 10. I mean, you're so beyond.

done. So, make sure you come watch us in. the post show. Maybe maybe we'll learn. more about that debt to friends, but. we'll certainly call his old boss and. ask for his job back. That is for sure. See you in the post show. You are. calling him right now. I don't give a. You are calling him right now and you. are asking for your job back. >> This is crazy. >> Hello. >> Hello. So, um I'm trying to see if. there's still opening if I can get a uh. my job back. >> for for you.

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