The Dumbest Person I've Ever Met | Financial Audit

I inherited $60,000. and blew it in 3 months. What the. How did we spend that? You got to be careful what women you. surround yourself with. We playing in the world? What? All things considered, I'm so lucky that. I didn't have a kid with some psycho. You'd be the psycho to have a kid with. You have your guitar with you? Yeah. Let's always test your talents. Can you. This is where I push the red button. going. Hello, my name is Beemy. I am 29 from. Austin, Texas and this is financial.

audit. Oh, same age here in Austin. That's kind. of fun. I haven't done someone my same. age in a while. We can compare and. contrast, see where we're at. Yes. What do you do for a living here in. Austin, Texas? Yeah, so I'm a musician and a writer. primarily. Musician and a writer, okay. I worked in education for over 5 years. with the school district. Um. Here? Yeah, in Austin, yeah. Musician, you know, some people. make a living in Austin. So, how are you.

how are you doing? Not well, yeah. Oh, okay. Well. Um. Yeah, it's. a thing and it's not. It's a thing. very fun. It's not very fun. Then why are you. doing it? What. I'm transitioning. I'm I'm kind of like. When are you getting your tats? I would like. to I think that. No one liked that joke. I thought it was. funny. That's awesome. Okay, sorry. Go ahead. Um. The joke we call that humor or. something.

I I'm dabbling in acting, so I'd like to. be an actor to be on be. Well, you seem to be doing all like the. fun like I hope I'm good at this. careers. Right. So, music. What are you making right now? Nothing. I mean. Well, how are you living right now? I'm barely. I'm I'm I mean I've so. money on the show. So, like I don't spend that much money, but I haven't made that much money in in. time. So, it's been really difficult to. uh. you know, like earn save money up, but I.

Wait, so how do you get You say you. don't spend much money. How much did you. spend last month? I don't know. Enough. Give me a number. What do you. think? Oh, what do I think? Uh. You don't spend much. 1,500, 2,000, I don't know. Less? Uh well, kind of in the middle. So, 1,839. Yeah, cool. How did we spend that with without. making any money? Uh. When I saw money come in, what's shipped.

for 1,400? So, so yeah, I've been doing grocery. delivery on the side in between. money. What are you talking about? yeah, yeah, yeah. It's just like it all. goes back to gas. You did not spend 1,400 on gas. No, but like, you know, car insurance is. 300. You spent 547 on gas. Yeah. So, a third. Yeah. Is that insignificant? Yeah. So, then. um. Okay. 300 on car insurance, 81 on phone and. phone bill, and the rest I have two. dogs. So,

most of the things that I. you have two dogs? No offense. I want. everyone to get dogs. I love dogs. That. is not fair to the dogs that you have. them, but you can't even pay bills. It's not their fault. Correct. Well, um they are who have gotten me through. all the things that I've been working. through. And so, like. I don't know. It was a It was a couple. years ago that I inherited $60,000. and blew in 3 months. What the. Uh.

Well, I got excited for a second. I was. going to say let's pay off that home. And you have some matcha. Matcha's your personal Let me smell that. real quick. I want to smell that. Go for it. Let me make sure they drugged you with. something. Hopefully. Okay, it smells like water. They told me I was going to get to meet. MC Hammer. I I they meant MC Hammer. Yeah, that's funny. Okay, so. What do you So, you blew. $30,000 in a few months. When was this?

Is that how we're Where we are? This was in January 2022. Um I found out that I had inheritance. from 7 years prior. So, they basically I. went homeless and like was sleeping on. the street and stuff. And like. We have gotten to 29 in very different. paths. For sure, yeah. I met. got an inheritance. That would have been. nice, though. Right. Um I didn't know I had it for 7. years. Uh I didn't know it was my money, but it turns out it was in my account. the whole time. And uh. Okay. So, while I'm like busking on the.

street, you know, for a dollar a day to. get like a French loaf from the grocery. store to. Why have you never like worked like an. adult then? Well, I have. I mean, I worked in. education for 5 years and I uh did I did. sports broadcasting. It's not like a few years ago. Few years ago, you could anyone could. get almost any job they wanted with that. job market. So, it's just like So long. as you had any kind of qualifications. Right. that, but it wasn't like. like there was a lot of choices going.

into this, obviously. Yeah, a lot of. not great ones. I mean, uh. I think that you got to be careful with. women you surround yourself with, too. Uh I think that I was in. Are we blaming the world? What. I'm not blaming. I'm I'm. acknowledging. that. I gave too much of myself to unhealthy. people that I didn't put myself or my. well-being first. And through it just gave up everything. What?

Yeah, fine. Yeah, give us some context. to the situation. Sure. So, go ahead. I mean, like. What What are you trying to say? Uh Well, like when I inherited that. $60,000. No, the people you surround yourself. with. Well, I mean, I was just. didn't have great family growing up and. my dad died when I was in high school, and. I'm sorry. And uh. he was like the one person that kind of. gave me real life stuff. And so then. from then on, I was just kind of winging. it myself. And then my best friend. through him? It was through his mom, but uh yeah,

basically from him. Yeah. It was went to. him, but then instead of going to him, it went to me because she died after he. did. And uh. Yeah, so like then then, you know, the. rest of the family that was left after. him was just kind of manipulative, like. greedy people who just wanted to. everything for themselves and kind of. kept me in the dark on a lot of things. as I was. becoming a man. And then. by the time I was a man in the real. world, like I.

I didn't have any clue what I was going. on or what I was doing. And then um. Yeah, so like in December of 2019. was the first time I got I had a good. job. I was getting paid good. I had my. own apartment. So like. I more than 20 an hour I I I I know at. the time. And I had like a one bedroom. By the way, before we allow the stories. to go too long, context of the. situation. They're probably like, "Okay, yeah, but where are his finances?" And. that's fair. Yeah. Um. You almost have no debt. You have a little bit of debt.

I'm very lucky. that the rest of us in the world, if we. were responsible, could knock out in a. single second. You, for some reason, are. holding on to it like a child because. you refuse to make any money. Even the. money you have, you just spend. So you. have a little bit of collections and a. small little credit card. That's okay. all right. So go ahead with your story. now that they know. So I mean. Oh, and you're also like taking micro. payday loans. Go ahead. So I believe in like living without. ceilings. Like I I've had I've In the.

past couple years, I've had multiple. jobs. Okay. Yeah. I have had a couple of jobs where. it's like, "Cool, I can like stay here. for 6 months." And in 6 months, I'll. have everything paid off and I'll be in. a good financial spot financially, but. What does this have to do with ceilings? But in six that that is the ceiling of. the six months. I'm like, all right, I'm. doing all right. I'm doing decent. But I. believe that in in that time frame I. could. like basically struggle a little bit.

longer to then have a much higher payoff. where the skies are opened up. Right. We don't have to look at it as a. sacrifice. sacrifice. I guess that's what I'm. saying. That's what they call it. Yeah. They call it a sacrifice. I think that sacrifice is if played. right and with the right um. intent or like navigation. Okay, then why are we in tents? Like. what are you talking about? That sounds. great. I agree with that. Cool. You didn't do it. So what the are. we talking about? it. It's happening.

Like I'm moving to Philadelphia next. month and I got to like figure out. Well, I mean I don't have anything set. up. So it's like I quit I had a. That sounds like a. poor decision if you don't have anything. set up. It's a risk maybe, but it. Oh, but I believe. it's a high risk high reward. Yeah, you sound like you've done high. risk high reward your entire life and so. far the reward has been uh. collections and taking out micro payday.

loans. Right. So. you moving to Philadelphia not a cheap. city? Uh well, initially I was thinking. Pittsburgh, but then I started Yeah, it's cheaper and then I was like, you. know what? Um. I can uh. I can do whatever I want and I can. figure out whatever I want and I'm. afraid of nothing. So I'll just. Yeah, but this goes against what you. were just talking about. You had. almost a responsible mindset for a. second. Mhm. And now you're talking like a child. I do go back and forth. Um I think that.

I'm a I. uh. I think that my childlike. fantastical. beliefs in the future. Beliefs in the future? compared tied with. What the did I just walk into? What. are you talking about? I think that things things can happen. very quickly. Like whether we're talking. 6 months, 3 months, 1 month. And. as I've. made the wrong choice in a lot of the. past like few years, it's taught me.

to move forward with better choices that. And moving without any plan and no money. and taking out micro payday loans is a. good choice? Well, so I. I've realized that I should I am not. taking out micro payday loans anymore. I. think that's a bad idea and it's not. helping. Um I've also realized like every bit of. money that I make, most of it should be. put towards a good cause. So I don't know what you're talking. about not going to do You might You.

might not going to do anymore. You mean. like starting now, which I have no hope. in because you're doing it right now. So. Go ahead, sorry. Um. Continue. And so well, like there's a lot of. things that I was doing 2 years ago that. that. What? I I mean, buying stuff that I didn't. shouldn't really be buying, I guess. I. didn't have money to buy. Like like when. I had that $60,000, I was just. Oh, yeah. So how did you go through that. 60? Um my partner at the time wanted to get. an RV, and so she paid over $25,000 for.

an RV that was actually like she didn't. know anything about like mechanics or. cars or whatever. So it was like it. wasn't running. Did you consent to this purchase? Basically. I consented to everything. that she wanted and just did it. Um. Okay. And uh. then, you know, she ordered a crap. ton of takeout. I'm not blaming. mean, that's what That's reality of what. happened. Yeah, but you just said you were agr-. agreeing consenting to this. You didn't. stand up and say like a word?

I mean, I was there. I I didn't open the. RV, either. Um. Huh? Like. the hood. We should have checked under. the hood. When we did, it was just. covered in trash. What, the RV's. Yeah. Um. You still have the RV? No, we left it in some random parking. lot got out of there at. in like the desert of California. Uh yeah, it was it was a weird time. We. were like sweating in in the desert of. California. left in the desert? Yes. And then, you know, the rest was.

spent on like Airbnbs and takeout food. And then, um. getting her. She may have been an influence. Don't. get me wrong. I'm not saying like it. wasn't it was 100% your fault. I'm not. saying that. But like, you got to have a. little bit of a backbone. You're. consenting to this whole thing. Like if you can't stand up at all for. anything. What? Is that Is that what you You. mentioned at the beginning, Is that what. you mean? Her? Yeah, her.

What do you But you did it. You did it. But you didn't you didn't do anything. myself with her. I. you didn't say a word. Right, which is what I had to learn from. it. It's like now I'm surrounded by. nobody. $30,000 for someone that has negative. dollars is a big learning lesson. Learning lessons are important. Yeah, but also I don't think you learned. cuz you're about to do the dumbest thing. I've ever heard in my life. Well, I moved to Puerto Rico from. January to April of this year. And that was probably also the dumbest. thing I've ever heard in my life because.

you have nothing to show for it. Right. Um I slept on the sidewalk. and how are we right now? With nothing. Um and I slept on the. sidewalk and I. But I I just don't I also like. Rico? I flew. flew I actually received a little I. received a little bit of assistance. Oh, okay. How? Like a program. that like offered to pay for my. relocation. Kind of program? What What kind of. program does that? Um program that programs that help like.

homeless people and stuff. To. get home. Puerto Rico? Well, they go anywhere. It was like if. you have a friend or loved one. anywhere in the country in the United. States, they'll pay. Well, loved one was in Puerto Rico. Well, I had a friend that I used to work. with that moved to San Juan like 6. months earlier. What? So, this. program, you could be like, "I have a. friend here.". Yeah. And they will just fly you there? Yeah. Well, obviously this didn't work because. you're not there. Well, yeah. So, when I got there like,

you know, I had to. know where you were going? They knew I was going to San Juan. I. They They Yeah. And they knew I had a. friend there, but they didn't necess- I. don't guess they didn't know that. Well, I with my two dogs like I wouldn't. be able to Well, I didn't know for sure. either. Like she had roommates and I. couldn't stay with her. So, I had to. still figure it out on my own. So, I was. trying to. I'm listening to you. What creatures in. front of me right. I absolutely hate misinformation. I see.

it all the time in the finance world and. even worse in the news. With all the. bias and misinformation out there, sometimes I even have trouble knowing. what's the truth. And that's why I've. been using Straight Arrow News. SAN. provides a free app and website. dedicated to delivering unbiased and. trustworthy news. They are here to give. you the cold, hard truth without. spinning any narratives. They've been my. go-to for staying on top of business and. finance news and take weight off my. shoulders knowing that they are. committed to delivering nothing but the.

truth. When it comes to reading about. the economy, they're my personal. favorite to stay up-to-date without. interference from any political bias. This app is also super easy to use and. all my news is consolidated into one. place. If you're tired of misinformation. and bias as well, check it out today. Visit san.com/caleb. or click the link in the description. below to not only support me but a group. of journalists that are raising the bar. on news and committed to bringing you. the truth. Stay fully informed and.

download the Straight Arrow News app. today. You you don't you don't I I don't. think you've grown up. Mhm. I don't think you're an adult. It's like you were raised in a. jungle. It's I certainly spent my last 2 weeks. in Puerto Rico in the jungle eating. coconuts and uh bananas and sleeping in. a hammock under the trees. me of. I did connect to Tarzan in the wild. of Tarzan. Yeah. It's Phil Collins soundtrack. It's. incredible.

I watched it as a kid. I think maybe it. infested in my psyche a little too much. Okay. Yeah. Sure. Okay. What would you give yourself on a. financial score? Zero being the absolute worst, 10 being. the absolute best. I think I'd like put it on two scales or. two different. I just asked a simple. question. On. a scale I give. Probably a probably a four. invent your own scale but answer a. question based on my scale. Probably a four. Okay. All things considered that I experienced.

like a nine because. I'm I'm so lucky. I'm I'm. so lucky that I didn't have a kid with. some psycho. I didn't like my debt is. fairly small. be the psycho to have the kid with. Sorry. Sorry. Sorry, you're just interesting. I'm not. You're just. ready to be a father. That is. Yeah, no. But I want to be. hardly take care of two dogs. You just. left them for 3 months. I didn't leave them. They were with me. Oh, they came to Puerto Rico. They had. the time of their lives. They were.

living in the jungle on the beach. this this program paid for the dogs? Mhm. I got assistance for that. I started a. GoFundMe. Assistance how? I'm just trying to. figure out how you paid for this. I got a GoFundMe and people donated to. help me. get my dogs across. And then on the way. back I. Mhm, which is moocher. I'm not. I I didn't know how long I'd be there. It wasn't It wasn't. anything in your life. I mean, to get. inheritances, I mean, it's fine. It's. all good. every penny I have, which may not be. many pennies, I've worked for. Do you have.

any pennies? You're in debt. I'm pretty. sure your net worth is negative. You're. borrowing from dave.com. Yeah, well, that. I don't think you're getting. So, I met this guy at the dog park, and. he was like, "Oh, just get Dave." And I. was like, "All right.". the guy at the dog park. That's who we. listen to. Yeah. That's who it was there. You're going to listen to the dogs next? Like, well, I don't know. What's Is that. where we're going to get our advice. from? idea of what to do than I do. Okay. Okay. Uh, it's Capital One Quicksilver. It looks like you like almost paid it. off, but you didn't because still like.

almost $5 of interest was accruing. Then. you put on there $183. Now, the credit. limit is only $200. You started over the. credit limit, which is insane. So, like, what Give us the Give us the story of. this card. What is this to you? Because. So, when I was in Puerto Rico, uh. I was planning on paying off this thing, and then. This thing? Are you talking about this. card? the credit card, yeah, the credit. And. um. the. job I had never processed my direct. deposit paperwork, so they were giving.

me a cash check, and my bank didn't. exist in Puerto Rico. And so, all of my. bank account that I pay this card from. just ended up going to like negative. $400. And I had like tons of cash in my. pocket. So, I was like. of cash? Mhm, like $400 in cash. Like, enough to get. my account back to zero, but not And but. I couldn't actually get it in my account. because I didn't have a bank there, and. and my bank was only in Texas. And so, that was, you know, I learned something.

from that. It's like, if you travel, make sure you have access to your money. and banks that exist there. Who to who Who would have known that? Um. Why'd you come back? Well, I am as I had a show in Austin and. that ended up being I was like, oh cool. I'm going to. I had to pay over $400 just to fulfill. the contract because I didn't sell. enough tickets. Mhm. to uh play the show. It was at Vulcan Gas Company and it was. but it was by an organizer event that.

travels through the whole country. if tightly packed. There were none. There were like. No, no, no, but that's what you could. fit like if butt to butt. Probably, yeah. Okay. I've been there when it's full, yeah. There was like. 10. total. for everybody. So, like no one. So, you had to pay Vulcan? No, I had to pay the organizer of the. event and they do different pop-ups. around the country. How the did you commit to this? How. How did they get you and then why did. you commit to something that Like do. people know you? Uh.

not. Then how how are you How'd you get in. this situation? judgment, I think, where. Explain. I was like, well. I'm from Austin and this show's in. Austin and it'll be a nice little. homecoming because people will show up. because I don't live there anymore. And. then I went and I was. Who Who would show up? I thought I had friends, but. Oh, okay. I didn't. Well, I mean that would require a lot of. friends. I had more than I thought, yeah. eight? Well, yeah, it was my first experience.

with like marketing my own show and. I didn't. you have 300 close friends? Well, no, I had to sell 35 tickets. minimum and I sold 11. Which isn't bad. But the the the whatever that is, 30 20. whatever, like I had to pay for those. tickets myself. And like. you? How did you get. It was a stupid Facebook ad. Why did you sign Oh. I was like, oh, they play music. I do.

that. Why did you sign this? Why did you sign. this knowing the con with at Well, yes, I'm ask You know that now. I'm trying to. figure out why you. in the moment. Because because with what you're doing. with this Philadelphia. No. I know. One second. Normally, I wouldn't. care as much about this cuz this already. happened. Mhm. But with this thing you're doing to. Philadelphia, your life plan it screams. like you're just going to do something. like this over and over and over and. over again. So, I need to know why. Well, so. I can understand that, and I think that. a lot of people feel that I am doing the.

exact same thing I did when I left for. Puerto Rico, but the difference is when. I left for Puerto Rico, I was just. overwhelmed about being in Austin. So, like I was just desperate, and I was. like I just got to get out of here. Overwhelmed? Why? I mean, I was. I was born and raised here. Um I've had nothing but traumatic and. bad experiences my entire life around. What was traumatic? I mean, like. I didn't wasn't didn't have a healthy. mother growing up. I did grew like. didn't have healthy people.

I have to ask because I mean, so many. people make excuses on this show. So, what was unhealthy? I need to make sure we're not making. excuses. If it's valid, it's valid. If. it's not, it's not. No, I mean, I'm talking like abuse, like. a physical, drug, violence, as in any type of abuse you can imagine. All of. the worst things that a parent can do to. a child. Okay. Um and so, like my dad also recognized. that, and he got custody of me, and I. Good. Um he he was.

a good. figure to look up to. And then, right. around the time that I was. overcoming the psych like the emotional. um. impacts of of what my mom put around me, uh he was getting cancer, and then I. spent the next 2 years like my first 2. years of high school watching him. shrivel up and die. Yeah. And then, uh and then my stepmom. convinced me that I had to keep his. death a secret. Like I couldn't tell. anybody. Then he he died uh when I was. 16. I'll go back to junior year and.

pretend like he's home, like he's back. home, and everything's fine. None of my. friends know, none of my teachers know. And for 2 years I'm just like. Why would she say that though? I'm so confused. Psychos out there, I don't know. Uh it. was like it. uh she she was saying that if if I if it. became known that my dad was gone then. my mom would find out, my mom would try. to get custody of me and all this stuff. And it's like none of that is going to. happen within 2 years while I'm also. like at the. Sure. Yeah, at the age of 17 I can emancipate. Sure, sure. against like it was just kind of.

unnecessary. Okay. But I believed her at the time. And. so I I did. I kept I kept it all within. and that didn't help me. Um. and so then, you know, all the like she. taught me how to shave. Like it it did. none of it felt right. And so all the. like adult conversations I would have. been having with my dad I didn't get to. have. And then. yeah, I. just And then, you know, my best friend, I had one friend in high school who uh.

helped me kind of through that loss. And then. he passed away in a single car accident. like at 22, a few years after high. school. And so then I like had nobody and I just. became kind of like a floating sack of. meat that just floated along and. tried to just exist and didn't do a good. job of it. And things just kind of. went downhill from there. And so I feel. like the last few years were me like the. peak of me like. just s-.

being stupid and and idiotic and. childlike and then realizing it. of that. And you escaped Austin to go to Puerto. Rico. You felt like you had to escape? Right. And also like nobody does well. where they're from. I don't know any. Like I was really I was making. way overgeneralization. That's not even. close to true, but okay. De- Name me one person. Name me somebody. who has done well in their hometown. Um. Mr. Beast. Where's he from? Uh.

uh North Carolina. But his whole thing his whole thing is. online. He is an online platform. I'm. talking like. Well, but he built a massive company. What are you talking about? But like he has fans all over like did. it was it his fan base begin where he. is? That's that doesn't matter to what you. said. Said no one's been successful. where they're from. In in the in there not just where. they're from. are doing well in the town they're from. They built good careers. My dad has a. successful business now. career or like for. didn't say in entertainment.

Yeah. You keep moving the goal posts. socially? Are they socially normal? Are. they like they have friends and stuff? I. I can't relate. I. They just went on a great vacation with. in a town where tourists come every. single day, every single hour and. they're like. tourists come to Austin, but that's not. That's not like living in New York. It is though. Everyone I meet is like, "Oh, I just got here last month and it's. the best place I've ever been in my. life." And. everyone is Everyone No, they live in. there. "I'm never leaving and I got all. these show opportunities and I'm doing.

this and I'm doing this." And I'm like, "Cool, I've been here my entire life and. nobody acknowledges my existence." Um. Have you done anything? I'm having done anything. Have you done anything notable. that would have other people acknowledge. your existence? I'm sorry. I'm sorry. This is going TO SOUND RUDE. THIS IS GOING TO SOUND RUDE, BUT YOU ARE. NOT entitled to that. You actually have. to achieve something. You have to do. something. You have to put in the work. and then you can be acknowledged. I agree, but what is notable? Like. define notable. No, uh define okay.

Have I. Define notable. Notable means. worthy of attention or notice, remarkable. What have you done that's remarkable? I don't know that's Is that something I. can even decide? I can even declare? Well, I guess the audience would decide. And apparently the answer is no. There you go. So why would they then? But everywhere I go, every time I leave. Austin, I'm notable.

Yeah, but how many people? Everybody I meet. Everybody and and I. Oh, come on. Are you telling me if you. go to Puerto Rico, everyone's going to. show up? THE WHOLE. EVERYONE THAT. HE'S BACK! THIS IS MAYBE. MAYBE. HAVEN'T DONE IT. Got to find out. No. want to on your dreams, but you're. just sounding a little delusional with. this and a little entitled. Yeah, I don't know that I agree with the. entitlement. else makes it in their city, that.

doesn't make sense. I mean that is everything's a. generalization. Every statement is. in Austin. live lives by performing. Do they become. famous? Not necessarily, but. musician that I've known that was also. born here. moved to Leander. Like. Also Austin's the city that you can make. it. Even though we're the 11th most. populated city in the country, we're the. 15th most visited by tourists. We're also number five on the list of. cities that people are leaving the most.

in which is a recent study that came out. in the last year. Great, so that completely contradicts. what you were saying there at the. beginning. It's I'm saying that nobody likes it. here cuz it's too like there's so many. reasons. It's not the place to be. anymore. What are you talking about? Generally, if we're generalizing, it's. number five on the list of people are. leaving. People are recognizing that. No, no, no, no. We have an amazing city. is. This doesn't matter to the conversation, but. uh to be clear, just like any COVID boom. city, where we had an insane amount of. people move here, yes, all of those.

cities are having a hard time. Like it I've been here for 20 Yes, every. year it's been like, "Oh, Austin's. number. two or number one on the most moved to. cities in Texas, in America. It's the. fastest growing city." And now it's. suddenly like, "Nope, it's not growing. anymore.". not true your whole life. It's just now. because after the COVID boom. time in 29 years. every city, almost every city that had. the big COVID boomers experienced the. same analytics. But not every city before the COVID boom. This doesn't matter. This doesn't. matter. I care about you. What are you.

talking Okay. Then it's the same. what This doesn't matter. What are you trying to say? What are you. trying to say? I'm just saying I'm just saying that. I think it's very important for me, even. if it's just temporary for a year, for 2. years, whatever, that I get out of. Austin. Maybe not other people. They can sit in. their boxes and work their. career jobs and be happy with that, but. like I can't. okay. So, what are you going to do then? What's your plan? I'm going to pretend. that's not an entitled position because. you think you deserve to make it, but.

okay. anything. I think that I'm capable of. it. Okay, what's the plan then? I'm going to DC and performing at the. Kennedy Center in a play, um, as a lead. role. as well? No, there's It's a whole It's a the. local theater festival that happens. every year and it's a whole industry. Okay, how did you. There's a reception afterwards. Um, I. applied to. uh I got I applied to the role that was. listed and then I uh got asked to. audition with the actual script and then. I sent in a videotape.

reading the script, excuse me, and uh. got the role and. most things. a lot of things that I've applied to, I've gotten the role because of the fact. that I can play any role and fit into. any. dynamic because I feel like I've already. lived it. And I think that from. What's the Okay, how much is this. paying? I'm going to I'm going to choose that. out. If you got a role, that's sick. I. love that. That's great. Trust me, I'm. not against you as an existence. It's.

just what you've been talking about has. not been like reality so far, but that's. like a real thing. So, what are you. getting paid? I'm making 250 for a one-time table read. and then there's the potential they want. to turn it into a movie and go from. there, whatever. But But, for this. specific gig, I'm making 250 and then. I'm setting up other projects um in and. around Philadelphia or New York or. whatever to work outside of that. And I. already am in talks. for this position? 250. Okay. Just wanted to confirm. Also, I.

was fact-checking you because it's. important. Uh number one for 2023 and. 2024 so far in terms of cities that. people are leaving, Los Angeles Los. Angeles number one, Chicago number two, Brooklyn number three, Queens number. four, five Miami-Dade County, six. Brooklyn, seven Anaheim, California, eight Pasadena, California, nine San. Diego, California, 10 San Jose, California. Austin's not on the top 10. list. Well, Okay, so. Just find whichever article says that. Austin's number five and just like.

anything else on the internet, you go. find it. Whatever narrative, whatever statistics, whatever scientific formula you want to. put around it, you'll find the answer. you're looking for. That's the issue. The internet. But, I think that's the issue with how you. use the. out and talk to real people every day, too, instead of just like. Oh, that's how we get That's how we. learn things. you go outside. Yeah, you go outside and. you actually meet real people. You get a. different perspective. You live in the real world. You can live. in that box and get a to- totally. different.

joke. Just stop. Just stop. That's. stupid. This is. That's the stupidest thing I've ever. heard in my life. All that's going to die eventually and. we're going to like be sitting around. Yeah, technology, satellites. Okay. I You're. See, this is actually concerning, huh? Stone Age is coming. We're going to have to know how to like. make fires in the forest. is actually your world view, which is. impacting what you're doing. No, it's It's not impacting what I'm.

doing. I'm living because I'm still. living in the world that is like what it. is today. But, I don't think you actually care as. much to improve it based on the world. because you actually believe those. things in your bone, which is so. indicative of your financial situation. That's fair. I think that the last few. years it it was impacting my. decision-making a little too much, but. now I realize that there's a strong. benefit to what we have available. So what has changed? Well, I need to like.

take advantage of the resources that. exist. though? To make you say that. Failure and humility. Like I've been humbled by being a a. arrogant like. thinking I I know more than I do. in reality. Like I've and I've been. freaking wrong. Well, you got a $250 gig. Yeah. They're. paying for travel and living expenses, right? Partially. Oh, how much? Half. So they're giving you 250 plus.

uh lodging, half of the cost of my. Airbnb. How much is the other half going to. cost? Uh around 250. I heard you guys wanted to get dirty. again. Dirty Money is back and this time. you're going to be a lady in the streets. and a freak in the sheets. And you know. who you usually meet in those sheets? I'm personally into BBWs. Budgeting,

bonds, wealth, and this sexy merch is. only available through the end of this. month and then it's going away. So to. give you a little extra sweet treat, we're bringing back the classic Dirty. Money as well. BDSM, for index. funds, finance daddy. If this isn't for. you, you can eat my assets because I am. myself an assets man. Go to. calebhammer.com/dirty. to check it out before these designs go. away at the end of this month. The first.

50 purchases over $35 get a signed and. framed photo of your favorite asset, the. hammer dump truck. It's a springboard. Sometimes you got to. hop on the springboard and allow it to. Yeah, I've just legitimately talked to. over a dozen of people just like you. Mhm. Unfortunately, just that springboard has. not worked. That's. I mean, it doesn't surprise me. It. doesn't work for most people. Exactly. And I'm not saying I'm not. trying to crush your dreams. It's just. we can go about these things in a smart, educated, strategic way to be safe. If.

you had an. I did not allow myself to quit my adult. job to do YouTube full-time till I had a. year's worth of an emergency fund. And I. said, "You know what? I'm going to give. this my all." Because I was able to. stockpile. I went about it in a mature. way. No bad debt. And then pursued it like a full-on. business. Mhm. You're doing this like a hobby, just. having fun, traveling around. You don't. have any savings to your name, and you. have debt. That's not how we do this. And that's why a lot of people fail.

Because they have to get back to reality. quicker cuz you don't set yourself up. for success. I know you want to rush. into this. It makes sense. So, what? You. want this. Mhm. I want it for you, too. Give yourself. the best shot to get there. Right. I know I'll be in a dick, but I do want. you to succeed. Right. All right, don't get me wrong. I'm not. going to not challenge your world view. cuz your world view's idiotic. But, you know, it's not out of hating. you. Yeah, I'm not trying to like repeat.

patterns. Um. but I just regardless of anything, I. would be leaving Austin. Whether I had I. would be figuring out a way to leave. Austin. table and I'll make you leave Austin in. a body bag. I uh. will be um. focused on. establishing that. consistency and patience and taking the. time and dedication and hard work that. it takes to set myself up.

But you have to work in the arts. according. I leave Austin. But you have to work in the arts. according to you. No, no, no, I I'm open. to. it have to be Philadelphia? It doesn't. It doesn't. Okay, but that's what you already. decided. I mean. things can change. Things can change all. the time. I'm sorry guys. 37 minutes into the. recording I don't know what your. timestamp is, but we haven't done Let me. at least go through the Quicksilver. I. know I can get lost in the sauce. sometimes. So again, $5 of interest. accrued is not crazy, but you have to. put a like.

the balance is $190 or $200 credit. limit. You started the. balance over the credit limit. Especially cuz I bought a guitar. right after I paid it off and I swore I. wasn't going to spend any more money on. music and then I found this $99 guitar. and I was like, well I'm playing it. Uh I see a charge of $159 from Guitar. Center. That was cuz it was partially on a. different card. I think I paid 50 on my debit card and. then the rest on. But you said it was $99 or something. Well, I got a case.

cuz I was like I need to protect it. Went in the store got some. Went in the store got some. Went in the store got some. Went in the store got some. Went in the store got some. And grande H2O. Water. Got to stay hydrated. Oh, that's what H2O is. Oh, interesting. Who would have thought? It is. It's cheaper than buying a. gallon. a chance? Uh you brought your van here, right? You. got here with your the van that you like. do everything out Do you have your. guitar with you? Yeah. Okay, let's at least test your talents.

Can you test your talent for us? yeah. Yeah, just give us something. Give us. something. Go ahead. You can go ahead. and get it. Yeah. Let's see it. And you. the audience. let him know in a genuine honest way not. to I know we can get a little cranky in. the comment sections. In a genuine. honest way, if you think it's good, encourage him to pursue this in a. financially smart way. If you think it's. bad, also let him know. This isn't This. is an honest zone. This is a truth zone.

Well, look, I recognize that my money my. financial success isn't going to come. from music. What I started realizing is like music. is what I do for me. So, what's your financial success going. to come from? Performing and like acting. Like. Okay. And how many acting gigs have you. ever gotten? I've been pursuing acting for less than. 2 months. and I've gotten. over five, over four.

And I've made more money from acting. than I did in 10 years. What did you What did you How much have. you made? Uh almost a thousand. Okay, that means the 10 years was an. absolute failure. Yeah. Okay. Listen, I feel like I'm walking. into a like a youth campground right. now, but just go ahead. What? What do I. You You tell me. Okay. Are you going to sing? You want me to? Yeah, I want you to give it Give us your. all. Give us your all. My all? Okay.

Been told.

been so certain. ain't been learning. Oh, ain't been learning. And I'm certain. Oh, I'm certain. Something's ruined. Something's ruined.

Is there a more interesting song? do I know? What is it? Well, so I taught myself ukulele last. year and I'm teaching myself guitar. right. you're just your your vocal thing. You're just doing the same vocal phrase. over and over again even if with. different words. So, give me a little. bit of vocal range here. Give me. something that does a little different. vocals. Uh. I think one of the strings is out of. tune or your finger is wrong. Okay. is. Yeah. I didn't tune it. Um. Vocal range. Vocal range.

to me. I'm a baritone. Uh. Yeah, within the baritone range. Give me. some just your range. I'm not talking. about go soprano and cut off your balls. This is where I push the red button. going ah. That's fair. Do a song. Uh I don't I. Buddy, you want to do this for a living.

Come on. I'm you know. Uh. Name a song. Um. Espresso by Sabrina Carpenter. I don't even know who or what that is. I never heard of that in my life. Espresso. Espresso. In the morning, I drink espresso.

That's pretty good, right? I don't think you're a singer. No, I mean I'm. I'll be critical. I don't think you're a. singer. I think the guitar probably. maybe. I don't know. You're kind of just. playing a few little riffs over and over. again, but it's kind of what it comes. down to in different ways. Right. I realize it. Okay. Yeah, but vocally I don't think. you have vocals. I don't have vocals. either. Don't get me wrong. I just have vocals. Okay, we'll call that. think about it. No, that doesn't make any sense to me. All right, thanks. Yeah, hit my table. Why don't you do that? Yeah, do it. Do. it some more.

guy. Wonderful. And the card is at 30.74%. interest rate. Okay, buds. Dave Dave, extra cash account statement. Oh, good. You were like overdrafting, so. it brought money in to your other. accounts. And you. Okay. So, yeah, overdraft. That's insane. Express fees, overdraft. Tips. Oh, that's good. That's good. This is insane. Extra cash overdraft,

$75. Fees, $15. Tips, $3.75. That's what a joke. Uh. and you've only put. Uh well, it says zero right now. At least at the time of the statement. Yeah, see? I still have to take in uh. extra cash. Oh, you better stop. But it will see. Well, how are you financially going to. get there? To cuz you also got a Are you driving to. this show? Yeah, so I got to like save up $500 to.

pay for gas to get. Okay, so we're sinking $750 into this. $250. Yeah, yeah, yeah, yeah. So far. Plus food. Plus. I think about learning a trade, you. know, that I can do. What the are you? Yeah, sure. Yeah, go into trades. I don't think you'll. make it through trade school to save. your life. No, not trade school. Huh? Nothing. I'm going to like be a poker dealer or. something. Something I can do at night, you know? Just like make. some things and then do projects. Make some things. Guys, we have life figured out.

Success. I mean, I tend to. like it's a waste. But I will gift you a certification from. Course Careers if you ever want it. It's. great tech certifications, things like. accounting for adults. I don't think you'll ever touch it, but. I will bring that up for you. Yeah. Okay. Oh, good. Hard inquiries. I'm glad you. didn't get approved for that. Oh, I I think you did. Uh credit cards. There's that credit card. You have a Credit Karma.

thing? Yes. That was I got that recently. What is that? really even know. Do you use it? Yeah. What? Uh it's like a debit card and a spending. account and a savings account and some. sort of. Is it like a charge card? I bet it's. like Is it like the Fizz card? I don't know. use it like that? It's like your own bank account. It's. like an online bank account. Really? Yeah. Let me see it cuz I don't have a. statement for that. Um I just. No, no, no, no, no, no, no, no, no, no, no, no, no, I want to see the account. I. want to see the card. I don't give a. about the card.

What am I going to do with the card? It's got zero dollars on it. It's pretty. valuable. But is it credit? Cuz it's being. reported. Uh no, it's. But this is through the Credit Karma. app. Right. You went to school. I see some. university 2019 thing, but it was. closed. was just the name of the the thing for. my card at the time. It's just the name. of the bank, University Federal Credit. Union. I was paying off my the card. Parking.

Is this gas $30 7-Eleven? Would that be. gas $30? Yeah. Cuz flat. Yeah. And then but you also went into HEB and. got some beer. And then you got. declined. Something declined $30 there. More gas. Right. Oh, good. This is fantastic. Wonderful. I'm cranky right now. You've I don't. Okay. You want some matcha? Nope. Okay. This place is pretty nice, you know. Thank you. There's a.

Are we going to move here? Aside from Hey, maybe squad is right, right? Uh, not in Texas. a. I'll go buy a gun from across the. street. Aside from the chains and whips over. there, you feel pretty safe. I wish. This place would be much more fun as a. kink zone, Austin, whatever you are. the lighting. Okay. What is in collections? What is. this? It is. Cuz it's $1,395. Yeah, so before I left Austin the first. time, I broke my lease early, which was. a terrible like me.

Um. and then they charged us for a full. month of rent after we had already kind. of paid and uh that just never got paid, so I'm working on. the second I have an extra 1395, I'm. going to. You know if. get it off. Go work the job, man. I could get you to financial. I think if I had worked a job like a. long time ago. normalness so quick. You have no idea. like a year ago and I just dedicated six. months. But I was too hung up on the fact.

that I had to go like do something and. be something or something. Can I see that wallet again? It looked. really weird. Can I see? If you don't have an insane weird wallet. like this and you have an interesting. story and want help with your finances, feel free to apply to be on the show. calebhammer.com/apply. I think it was $5. Great. Looked free. It was handmade or something. Oh, checking account. Okay. Sure. What.

do we have in here? $206. There's. actually money in here. Maybe, yeah. Something like that. Every business needs a website. It's the. first impression valuable potential. customers see online. But so many. websites are poorly designed, turning. those precious eyes away from your. business. Luckily, the sponsor of. today's episode Durable is here to solve. that problem. Durable is the number one. AI website builder and business platform. for entrepreneurs. Whether you're a. seasoned pro or just starting out,

Durable makes it ridiculously easy to. build a stunning website in just 30. seconds. And guess what? You don't need. any coding or design skills. I mean, if. I can do it, you can, too. With Durable, you can create a website for free, make. sure everything is just right, and pay. when you're ready to launch. Yep, you. heard that right. Just head over to. durable.co/caleb. to start building. Once you're ready to. publish, use my code Caleb30 to save 30%. off your first 3 months on any plan. That's right, 30% off. What I love about.

Durable is how customizable everything. is. AI creates all the images, content, and overall design creation for you, and. you can go in and customize to your. liking. Plus, with tools like the AI CRM. and AI blog builder, managing your. business has never been easier. So, stop. making stupid Takeda excuses and take. control of your financial future. Go to. durable.co/caleb. to try Durable for free and use code. Caleb30 to get 30% off any plan for 3. months. Trust me, use Durable and step.

up your website game today. Why are you here? For sake, why. are you here? Um, because I. don't even know. like. the first thing about financial. guidance. Okay. And. What do you want? A clearer. path forward. Will you listen to me? You seem so. ready for what you already have planned.

I mean, I think that I'm going to do. what I have planned, but I'm also going. to listen to you and. find a way to mesh both worlds together. I need to come up with a way to make. your plan not as dumb as it already is. Possibly, if that's what you're down. for. Well, I think that's because if I make. up a plan that is actually smart, I. don't think you'd follow me, and it's. kind of pointless. So, I might have to. adapt it to you to at least make sure. you get any kind of help or else there's. no point in this. That's fair. I think so.

One inside got some BS. Dave Inc. Dave. Inc. Taco Bell. Oh, this is great for. someone that doesn't make any money. I mean, yeah, it's cheap. Grande H2O. Okay, what is this Grande. H2O? It's like a one of them water stations. outside of the HEB. So, you get two. gallons for like a dollar. And you have water in your apartment? Huh? No, I don't have any Where I'm. living right now is on my cousin's. property with no. plumbing. I live in a broken down trailer. you poop? I drive to HEB. That's why I'm always. there. No way.

Yeah, I have. You have to poop to get in the car? How. far are you away from an HEB? 10 minutes. So, when I wake up some. mornings it's cutting it close. I'm. like, you know, I may not I may have to. dig a hole today, but so far I haven't. I would have to cuz I have about 5. minutes from when I feel it to when I'm. like running. I'm a little more. on top of it. So, that. Yeah. Um. I don't know what's wrong with me. But, if I That's why I brush my teeth. Yeah, well, I. You brush your teeth and you're kind of. homeless, but you're not homeless. It's. weird. Yeah, I know.

It is weird. Also, you need to wear sunscreen. Okay. I don't like sunscreen, but yeah, I hear. you. Well, you're 29, but I'm seeing. signs of like sun aging. I have cancer. You do? No, I don't know. I thought I was. asking. You're a doctor, right? How would I. Dr. Hammer. Okay, yeah, you're trying to be funny. That's fun. That's great. Okay. My dad died of cancer, so. What kind? It's like a really rare form called. goblet cell carcinoid that has only had.

like 600 cases ever in the world. Wow, that's wild. Look, I'm sorry. That. sucks. No, it's fine. Um so, maybe we wear sunscreen to avoid. getting skin cancer or at least avoid. You're a handsome dude. You got You got. things going for you. You're skinny. You're tall, right? How tall are all. 6'2". Okay. Yeah, so you got things going for you. that I am jealous of. Like I I I. wouldn't be able to work on the height. I could just, you know, fit but. whatever. You're but but but but but but but may. as well Okay, shut up. May as well.

not look 40. Right. when you're 32. So, wear some sunscreen, buddy, cuz I see signs of aging on. there. I don't think the cameras pick it. up cuz they don't pick it up as like. close as I do, but you got some sun. aging going on, okay? All right. Just just looking out. Uh Taco Bell, and. that's another reason why I'm surprised. you're able to make it 10 minutes. And. then you're back going in for B.S. Every. time you go to H-E-B, you're just like. getting some like. like $3 like snack and drink. not to, yeah. Well, you do it every day of your life, so I don't. Yeah.

YouTube Mosh Mountain View. Oh, that's where it's from. So, is that. YouTube Premium? It was. Yeah, I start I just I don't. have it. Well, Have you canceled your subscriptions? Yes. Just recently. Taco Bell. Very good buys. $5. Yeah, man, I got these sandals. It's a. thrift store in Fort Worth. Five bucks. Been wearing them almost. every day since. I was just like. Dave Dave going in getting some B.S. Hop.

out of you can't afford Hop out of you. Dave. No, I promised a friend I'd buy her. lunch. Yeah, you can't afford your lunch or her. lunch. I. You don't make money. Made it happen that day, but not. the next day. You spent more than you made, so. Yeah, that's correct. Yeah, that's. correct. Going in getting some B.S. Going in. getting some B.S. You filled up some. water. Taco Bell, I understand filling. up water in situations, fine. So, I'm. actually not going to call that out when. I see that. Taco Bell going in getting. some B.S. Dave going in getting some. B.S. Going in getting some B.S. Going in. getting some B.S. Going in getting some. B.S. Going in getting some B.S. Cash app.

and out 11 bucks. And Dave going in. getting some B.S. Going in getting some. B.S. Going in getting some B.S. And. Tellin' Beats. Yeah, so. $40. Yeah, it was actually. What is that? I released a new song today actually. this this morning and that was an. instrumental that of the song I. recorded. Just an instrumental, no vocals? I added the vocals. The music video. we're going to listen to it in the post. show. Oh my. We're going to listen in the post show. Hey, buddy, if you don't want people to. hear it, don't release it.

No, it's. That's what I say. Yeah. The music video drops at 6:00 p.m. today. I shot it 2 days ago. I didn't spend money on the video. What is this though? You said you What. is the $40? I spent money on the Yeah, the. instrumental. Oh, you didn't even like make the song? There's certain times where I use an. instrumental that I made and there's. other times. musician. Okay, go on and get into some. BS. I can't listen to. No, there's other times where I want to. use somebody else's instrumental because.

it's a form of collaboration and like I. A form of collaboration that you pay. with and they don't even know about cuz. you're just. all the money. He The way that contract. works is like I paid $40 and he doesn't. want anything after. I know cuz you paid for the. Okay, this this car. this van that you're driving to a new. place to stay in and live in, how is it? It's not going to make it much longer if. we're being real about it. And we're relying on it to travel to. this gig and to Oh my gosh, how many. miles are on it?

284,000. Woah, what is it? It's a '01 Ford Explorer. And it doesn't have AC. How are you existing? It's um not easy. No. All these poor dogs. Well, we go to the dog park and hang out. at the creek all day. So, it's like we're in the. Well, that's cuz you don't have a job. Yeah. Yeah, we would do all that too, but I'll. do that too, but we decided that we were. going to be adults. You have not left uh the age of 13 yet.

I mean, they're having fun. No, and I'm glad they are. Like truly. Like I am happy for them in that case. Unfortunately, if a vet emergency. happens, then I feel bad for them cuz. you have no way to pay for it. Oh, I mean 13 years. Yeah, 13-year-olds. are having fun with their life because. they're not worried about stuff. So, this van, what are we doing? What's. the idea with it? Um well, take. paid for. Yeah, take as good a care of it as I.

can. Make it last. not going to last in general. Well, not forever. Nothing. Um it's just old, man. It's like I I. It's in good shape, to be honest, for as. old as it is. I had to get all new. brakes for it last year, and it was over. $1,000. And I don't want to put that. much into it again cuz. The internet, your favorite thing, says. that they last around 200,000 mi and can. last 300,000 mi. Uh. we're at 284. and going to Philadelphia is 1,664 mi. that had 800,000 mi on it, and I don't.

think it'll get there, but. Yeah, probably not. So, before then, I want to be able to. have my credit in a good enough. Okay. to be able to put a down payment on a. car and get a new car and then start. using that to build my credit. going to go great. And if I can build my credit to a decent. With what income? How are you going to. get approved for a car loan? And if you. do, your car loan's going to be like 30%. for. 8 years, and you're probably going to. get something you can't even come close. to a 40. And if you get approved, I. don't know how you're going to get.

approved. What are you talking about? What world are you in? You have a maxed. out credit card and have collections. What credit score are you talking about? are tiny, and my credit limit is tiny. So, You know what that means? That I don't make much money? no, let's let's use this as a learning. Sorry, I almost freaked out. Let's use. Utilization is a massive part of your. credit score. You don't want to go over. 30%. You don't don't really want to go. over like any percent, so you don't want. to hold any interest. But anyway, either. way, it negatively impacts your credit. score when it goes over 30% because your.

credit limit is so low, 30% of your credit limit is 60 bucks. Mhm. You can't have a balance more than that, but you're sitting at 200. Mhm. Your credit What's your credit score? I. We were just in Credit Karma. What was. it? Yeah, it's like 545 or something. Five. something. what? Hits it by what? 30 points? 40 points? Or 20 points? I don't remember cuz I. don't get them. Right. It's um. 565. It went up 12 points this week.

Can we even make a budget for you? You're leaving. When are you leaving? I The latest August 17th. Latest? Okay, so a budget makes no. sense. What are you paying for rent. right now? Not. At least it was that. god. Yeah. What's your plan for income out there? I hope to figure that out soon before I. get there. If any Like I have a couple things. ruminating in my head. Maybe get a job. at a like. of it is. skunk? None. Uh I spend no money on.

I've never drank. Um. I might try. What's ruminating or what's going around. that head? Probably sleep. Uh. I've. thought about maybe like working at a. dog daycare cuz I've done that before. It doesn't pay anything, but like. Why don't you get a second job? Well, like cuz then every job job that I. could get that like pays a decent amount. like wants.

a commitment from me from life for life, and I'm like Every every business person. I meet is like what cares so much about. their place. They think that they own the business. that they own. makes sense cuz that's your thing, but. that's not my baby. Like I have a life. I have a. I have goals. I have things that I do. outside of work. I want to be able to go. to go to work and do like I'm not. against working hard. I love putting I. love I love working. I actually do. I. just don't like getting trapped into. Stop it. You can. leave a job whenever you want to.

But. But yes, when you're in like that shift, you're committed. And if you're not. committed, you don't work there cuz. you're fired. But I feel like things are about to. move. in like. slavery for the rest of your life. That's not how that works. It's not. You're getting paid for something you. agreed to. You have come to the. contractual agreement with the employer. They need this. You want a job and. money. And you guys are able to figure. it out in the marketplace of what that. income is like for you to accept that. position. Which I'm hoping to figuring out once I.

get once I leave Austin because I would. be doing I've been doing that I've been. knowing that I'm leaving Austin for like. over about 2 months now. And initially. wants. And initially I was. like. applying to every single job on Indeed. you could think of. Everything. Yeah, but I bet your resume is like a. joke. Like we would probably want to use. a resume building service. Maybe. I mean, my resume is pretty good. It's like I've I've I've spent long. dedicated time at places. No, I know. But like your resume itself,

the build out of it might not be very. good. Oh, like the look? Not just the look, but like the keywords. and everything you're using. Oh. I've never really thought about it. Okay, so it's. But like I mean, I'm a hireable person. once you look like my resume has gotten. me. it likely I mean, they just. sifted through systems. And then you got. to get. interviewed from there. Like you're not. going to get a job that way. I things go well. Really? Which can be bad because like then I'm. like well, Now I have to.

do it. required to stay at a job. You can leave. a job. I don't think you should. So. But you you're you're acting like once. you accept a job position, you are there. until you're 70. If It feels like that's what they want. from me and they know I can't give them. that. If you're a good employee, they would. want you to stick around. But if you're. a good good and they want you to stick. around over the course of years, that. means you get to make more money because. they want to keep you around. Yeah, but now I'm in this spot where I'm. like I'm in this limbo stage where I. can't really get a job in Austin because.

I'm about to leave, but I can't really. get a job in Philadelphia because I'm. not there yet. But I want a job. I do want a job. You kind No, you don't. You just said. Ideally, I'd be able to just make all my. money from acting and performing. Which Okay, that obviously doesn't. happen magically. You know, we grind. away. Fantastically, like that'd be awesome. But I understand. and Philadelphia not known as an acting. city. But it has hubs that that it connects. you, like New York and stuff. I can't. live in New York. I don't want to live. in New York, but. um. you know, ideally like oh, it all works.

out. I'm a great, terrific, successful. actor. But. Good game plan. Obviously, I have to have a a a an a. side plan. in the meantime cuz I still believe. wholeheartedly that that is what's going. to happen. I don't know I don't I'm not. going to pretend like I know how fast. that's going to happen for me. don't think you know anything. And I need to. So, recap of this conversation. You currently have to drive 10 minutes. to take a poo poo right now and you. don't have water. Okay, you know, that's. your situation. Life handed you $60,000.

on a silver platter and you blew it all. in 3 months and left the $25,000 of it. in a parking lot essentially and drove. away. Took money from a charity to go. uh to go be homeless in Puerto Rico with. no plan. Got back to Austin, agreed to. some shady predatory music contract and. lost hundreds of dollars. Now you're. planning to drive to Philadelphia with a. broken down car to basically go homeless. again. And you refuse to get a real job. because you think it's slavery and. I'll be in the chilliness, so it won't. be as hot in my car. Yeah, that's where you die, though.

You got blankets and heaters. There's three of us. Oh, the dogs? Oh, those poor dogs. Those poor dogs. They love their life. Not me. they did a study in And homeless people. with dogs, they were like. Everything you've cited so far has been. incorrect when I look it up, so. They did They were much Veterinarians. were advocating that, you know, homeless. people take much better care of their. dogs than people in their boxes because. their dogs are much happier being in. like the real world, like nature and.

stuff. Real world? And like it's. Really the ones I see with the homeless. here are on a sidewalk this big next to. raging cars that are flying by. agree. Uh so I don't know what this. article was talking about. I'm just. saying. I see them eating pizzas. I don't think. that's a. Sure, it tastes great. I don't think. it's what dogs are supposed to be. eating. I highly doubt their life expectancy is. as good as Whatever. Why am I wasting my. time. on that? I don't know what to do with you, man. I'm I'm just thinking.

I'm just thinking I mean, you have. nothing invested. I'm try I want to I want to make an. example of like what it's like if you. like. if you open like a. account with a brokerage like Moomoo. I. mean, that's what I use. I I So I buy. some stocks in there, all right? You. know, I just buy into the overall stock. market. and I watch the money grow and compound. over the course of our lifetime because. we are the same age and, you know, I'm. looking for that chance to have a good. retirement.

I want that for you and I don't know how. to bring an example to you cuz I don't. think you. That resonates with your lifestyle or. care at all. Um. but I have to make. whatever suggestion I have based on what. you're already going to do. So how do I. Oh, and also in the recap, your singing. was bad. It was okay. It was mid. Yeah. The guitar I couldn't judge. Mid's enough. How do I like. still pursue.

creative pursuits. Yeah. without s- like completely giving them. up? Well, again, that's the thing. Whatever. I suggest, you're not going to do that. cuz you already have a thing. So, I'm. trying to work my suggestion into your. thing. Well, so here's a here's an alternative. I go up to DC, I perform, and I'm gone a week, and I come back and. implement your plan. Okay, cool. Okay, so the plan I would do. any job you can. Overnight Waterburger,

coffee shop, literally anything you can. go get. The median low wage in Austin, the median entry-level lowest wage in. Austin is 19 bucks an hour. So, let's just say you're making 19. bucks an hour. You're going to work 60 hours a week. across different jobs. All of this is. easier said than done. I'm doing the. fast forward on this, but you're. applying to jobs. You're just working as. much as you can, okay? Mhm. Times that by 52, you're not taking any. time off, doesn't matter. Okay, let's say you're walking home.

That's 60,000 bucks a year, that's not. bad. Of course, that's 60 hours a week, you know, sustainable over the long. term? No, but we're doing temporary. sacrifice. Let's say you make. Let's say you just make $40,000 a year. Let's say you walk away with 30. Walk. away with 30. Just cuz I just I'm trying. to take into account your existence. $2,500 a month. You can continue to live. with your brother, was it? Cousin. Cousin? Yeah. You can? Oh, right now? Yeah, for a while, for a bit? Yeah. I can, yeah. Okay, continue to?

Yeah. Have your weird poo situation. Because you know rent and just paying a. little bit of water. Like that's. incredible. Like the 2,500, what I would. do is take care of both of your debts. immediately. I would chop up your credit. card. You're not a credit card person, you. can't manage that. Yes, we'll focus on. building credit eventually, but that's. not your main focus right now. What I would do. then with that 2,500, with your minimal. living expenses, very minimal, $300 on food, $100 on. everything else to survive, and whatever. else you need. Let's say you have an. extra 1,500 bucks a month.

I think you actually have more cuz you. could live bare, bare, bare bones. If. this This what you really care about, and you want to go all in, Mhm. what I would save up is. 25,000 bucks. over the course of a year and a quarter. 30. by the time you're, you know, a year and. a quarter from now. Then. feel free, give it all you got. Give it. all you got in a very smart and. conservative way. Still living bare.

bones off that 25,000 cuz you can blow. that 25,000 quick. You've already done. with 30. But bare bones, like 6,000. bucks a month, you know, just bare bones. as much as you can. Depends on where you. are. Oh. With that. you. try to make it as much as possible cuz. it is your dream and fine, okay, do. that. Once the $25,000 gets to about. $5,000, that's when we start. reconsidering things and we start. looking for some adult jobs. So you.

extend that 25 as much as you can, spend. 20 of it while you're trying to make. your dreams, and then we start making. enough to at least survive and get. something in investment, like at least. 20% at that point. after that, and then pursue your. passions on the side. Like we don't stop pursuing them, but. I'm going to give you a little bit to go. all in and you got to work your stuff to. get there in a year and a quarter. You. got to and I think you can make more. money than this quicker, but you know, this is the I'm just trying to think of. you. I don't think you're going to feel. like, "Oh, I'm a slave cuz I'm making.

$19 an hour. and I can't get out of it. I'm forced to. stay here until I die.". So. Yeah. It's I don't know. I. have low hope in that, but you can do. that. That would be a way to do it. I. wouldn't want most people to do that, but if that's your thing, I want to try. to relate it to your situation. Right. That is what I would do were I in your. shoes with your brain. Right. And then yeah, once you're about 5,000. bucks left. get a job that allows you to survive and.

set at least 20% aside for retirement so. we can start getting something going. Like at least 200 bucks a month for. retirement or something like that, you. know? Just at least that. So, just get some compounding going. throughout your life. And then pursue. your passions on the side. And if one. takes off, one takes off. That's great. That's what I would do. What do you. think of that? Yeah, I can wrap my head around that. It. makes sense. So. And I'm giving you a chance here, man. Giving you a chance. But, I'm also. giving you a reality at the end of it if. it doesn't work out. Right.

I'm going to I'm I'm excited to listen. to that full song in the post show. and fully judge it. Yes. And you will not copyright strike this. video, right? Do we have permission and consent to. play that video? And the song that you played? I think so, yeah. Okay. So, YouTube, if he tries to pull. some weird. The The song is not allowed to be. content ID, whatever. So. Well, it's in the post show anyway. Yeah.

All right. Hammer financial score, spending to. budget, you overspent, debt you have, collections, 0 0. Emergency fund you. have, nothing. Retirement, nothing. Real. estate, nothing. I mean, this is This is. the obvious from 2 minutes into the. conversation. But, hopefully. I hope people related to There's going. to be a few weirdos out there that. related to it and actually want to kind. of make it kind of like you and the. things you want to do. And that might be. a way to do it. And I think that is. important in the end. And hopefully you. had some world views challenged and. you're able to reflect on this and, you. know, you know, be a little more mature. But,

thanks. Hammer financial score, 0 out of. 10. Make sure to stick around for the. post show and check out all of the links. in the description below as they are. resources that I use or would use in. specific situations, including the best. budgeting program and best investing. program now bundled at a lower price. with an extra $300 in cash rewards. thanks to Moomoo. Check it all out in. the description below. Today on the Financial Audit Post Show. Most of the Austin icons aren't born in. Austin. So, you're saying that everyone can move. to Austin and make it, but people born. in Austin can't make it?

All of them are transplants. I'm willing to debate this stupid stuff. in the post show cuz this I don't have. to bring it back to financial audit. My lack of success here in Austin is. more tied to my individual about people. contributed to you just not How do I say. this in a nice way? To watch the financial audit post show, click the join button below.