The Most Hated Person In Financial Audit History

I got a letter. Someone knocked. >> You want to know an answer to a. question? Maybe shut the [ __ ] up. And. you're giggling about it. You don't. care. You're obnoxious. Frontal lobe. Are you going to do the 25 frontal lobe. thing? >> It actually is 28. >> It's person to person. First of all, >> I nominate myself as a 28. >> I'm going to nominate you as. >> I think you're saying this cuz your. frontal lobe is still developing. >> You're annoying. >> You didn't even look at his little. >> I don't give a You're annoying. You're. obnoxious. You're not funny. You're not. cute. Just taking everything in my power. not to kick you the off. You have no. idea.

Black Friday starts now. Master your. money. My all-in-one personal finance. membership is finally live. It is every. single course I've ever made. Exclusive. content and a membersonly community. Click the link below and become the. member of the best money membership on. the planet. I'll see [music] you inside. >> Hi, my name's Nova. I'm 30 years old. from Sacramento, California. And this is. Financial Audit. >> Thanks for coming over. California, not. cheap. Sacramento I don't know as much. about honestly than many of the other.

places, but I'm going to assume not. cheap. It almost never is. So, I hope. you do well there. Um, you know, I I'm. just going to be candid out of the gate. I didn't even say anything to you about. this until we sat down. And I always. like to call it out, but my. my absolute goodness, what are you. doing? This is insane. It never conveys. over the camera like I you know like it. does here in person. But I hold many. different stacks of paperwork, ladies. and gentlemen. And this is insane.

>> I can afford it though. It's fine. >> Oh yeah, that's I'm sure why you're on. this show. We're the same age. I couldn't imagine whatever the this. whatever is in here cuz I don't know. I. come and apply to the audience. Whatever. the is in here. This blows my mind how. thick this is. So I hope you make money. What do you do for a living in. Sacramento? >> I am a photographer. >> I Please tell me you are known.

>> I I am a very talented photographer. >> Does that talent convert into money? >> It does actually. >> How much do you make? >> Um, it it depends. I don't really look that. much. I just know my card swipes. It could be like I don't know on a on a. good month. How about let's talk a. normal month. >> A normal month I don't know. It could be. like 8,000 10,000 11,000. 12,000. >> Really? >> Yeah.

>> Well, okay. First of all, that's a. range. You started with 8 to 12. We said. normal. >> Yeah. >> ES and flows. I said normal. >> Is normal. If you said 8 to 12, are we. talking normal 10? >> I mean, is. >> 128. >> My normal is a Yeah, I I hit six figures. last year. >> in photography. >> Yeah, >> that's incredible. >> Yeah, >> that's incredible. We've had a lot of. people who want to make a living in the. arts in this show. Yeah. >> How'd you it? Because you wouldn't be on. this show. Fun fact, little spoiler, if. you weren't [laughter]. in that stack of paperwork is insane. In.

fact, I look down and I I I'm probably. not going into it right away if I'm. being honest cuz I want to get to know. you a little more first. But I see the. IRS logo as the first thing right. sitting on top of this stack. So, >> like I said, >> why why do you fumble? Well, why fumble. the bag? Because so many people come on. this show and they want to be the. successful artist and you actually did. it. You did it three and a half years. Only a couple people did it. You did it. >> You it why? >> Like I said, it es and flows and. >> it es and flows. But why' you it.

>> I didn't know as much about being an. artist when I was younger. >> Okay. You're not younger. You're here. where you are right now at 30. What's. younger to you? 29. >> I started at like 19. >> Okay. >> Yeah. >> Yeah. But 19-year-old mistakes shouldn't. really truly be affecting you too much. At 30, a bankruptcy would be cleared. Collections would be gone. Uh. reposs would be off the record. >> That's why we're here. We're going to. work on it together. >> We are working on it together. This is. the This is why you're here is why you.

answer questions. You're here to answer. questions. So, try to answer the. question that I am trying to ask. Sorry. not to come off too combative, but. that's not an answer. That's. >> what. >> Yeah, I did mess up. >> Yes, but I'm trying to understand. You're saying, yeah, you messed up at. 19, but that shouldn't really be. affecting you too much right now. So, I. don't feel like that is a valid reason. for why you're here. >> Yeah. [laughter]. >> So, basically, basically, I just I.

started making more and more money. I. just kept spending it. That's the root. of the issue. Yeah, but clearly not. paying your taxes if I see that. >> I started like living I started living. an upper class lifestyle. >> without like handling my past, >> which maybe you could do in the middle. of Kansas, Sacramento, I'm not 100% sure. on six figures without setting enough. money aside for taxes. Did you set money. aside for taxes? >> No. >> Ever. 19 to 30? >> No. >> Okay. I understand the first couple. years maybe you it up a little, but. you'd learn.

>> I was getting money back. Wait, when did you start doing well? >> Like three years now. >> Okay. When was the last time you got. money back from your filing? Do you file. every year? >> Yeah. >> When was the last time you got money. back from your filing? >> Like 3 years ago. >> What do you do? What's your photography? [laughter]. >> I I I photograph kids. >> Huh? >> Can you say that in a different way? >> You don't want to say you shoot kids. I. photograph.

>> I wouldn't want to say that either. Yeah, I photograph kids. >> But maybe some context would go a long. way. >> I mean, more specifically, >> I'm I want you to um. >> say exactly what you intend to say cuz. I'm not saying anything. I want you to. say these words. >> Yeah. I I photograph kids. Most. specifically, I photograph dancers. >> Okay, that sounds a little better. >> Yeah. My my job is I'm a dance. photographer. >> Can you just say that? My goodness. Come. on.

Come on. I photograph kids versus I'm a. dance photographer. Yes. Come on. >> I'm a dance photographer. >> There you go. Please answer that. whenever anyone asks you in the future. >> No. >> Well, I I try to be like so specific. because Yeah. If you say like nowadays. >> dance photographer is more specific, >> but I only cuz I don't want people to. think I shoot adults. I don't like. That's fine. >> Yeah. I have to say. >> kids dance photographer. Yes,

we're getting there together. >> Are you contract or are you on like a. payroll here? >> I work for myself. >> You work for yourself. And is this per. shoot? >> Yeah, I do. >> Why were you the winner? >> I'm really good at what I do. >> Mhm. >> Good. I love that. I mean, I would. >> I'm like one of the best, but a lot of. people don't like me for that reason. >> Why? >> Cuz I'm one of the best. >> Well, you mean other photographers don't. like you for that reason? >> I don't care. Who cares? Yeah, really. good. >> I don't give a The lionist doesn't. What's the What is the I don't.

>> something like that. >> The lionist doesn't concern herself with. the Okay, I never mind. I just I can't. remember any part of that. Yeah, I don't give a Yeah, you're more. successful than people. Obviously, they're going to be petty and annoying. I don't really care. But then you're. also probably giving them a W right now. by being on this showing that you. completely fumbled the bag. >> Yeah, I think it's going to be. educational. That's the half of your.

title. >> It absolutely will be. But again, >> people can't make my same mistake. >> Well, I agree with that and I would like. you to do better. But either way, the. people that cheered against you again, you got the win, but you fumbled it. You. threw it away. >> I I did. Yeah. So, >> but I mean, as much as I may give myself. like six months, honestly, if I really. set my mind to it and I can fix I can. fix it. >> Uhhuh. Yeah. I've heard that about every. episode in the show's history and that.

>> maybe three I think after. >> How much debt do you have? >> It es and flows, I'm sure. >> How much debt do you have? >> Uh, I don't know, like 8,000. >> Then how could you tell me it could be. done in 6 months if you don't know how. much debt you have? Cuz that would. factor into the math. >> I make a lot. It's just about. >> tell you make a lot. You don't set. enough money aside for tax. You don't. set any money aside for taxes as far as. I'm concerned. Honestly, I don't even. know. >> Uh you spend all your money, self-confessed, and this is an eb and. flow job. Who knows when it might eb.

>> Yeah. Yeah. >> And you say $8,000 of debt. >> Yeah. >> So $8,000 of debt in 6 months we can pay. off. >> But like if you think about it, >> so $8,000 of debt in 6 months to pay. off. >> Yeah, >> you can do that. >> Yeah. >> Okay. Well, obviously $47,128. of debt, so I don't know what you mean. 6 months. >> If it takes 8 months to pay off $6,000. of debt, do the mathematical equation. How long does it take to pay off. $47,000?

>> I don't know, like 3 years, four. But I could work I could work harder. That's the thing. That's the cool thing. about working for yourself. >> It is. But that relies on you being more. disciplined. not living that upper class. lifestyle like you said you immediately. did when you started to make more money. >> This is my reality check. >> Yeah, great. Yeah, you're saying all. [laughter] the correct words like I but. that's not that doesn't mean that you're. this is your reality check, but you. actually have to put in the actions. >> No, I am I'm not I'm not like other. people on your show. I'm going to take.

this so seriously. >> Why Why are you different? >> It's just like my finances are kind of a. mess right now because like Okay, so. when I started this, everything just. goes into one account. Like I don't pay. myself or anything. Nobody taught me how. to like handle it. So like all my. photography money just goes into like. one huge thing and I don't like know how. to pay myself or like actually set money. aside for like taxes and stuff. That's. the root of my issue. >> Right. So you know what's happening. Why. the aren't you fix it? >> I spend my photography. >> Very good. You know what's happening.

Why the don't you fix it? >> How do you fix it? >> You said you know everything that's. going wrong. So you. >> like Okay. When people say they pay them. Okay. I read so much advice online and. they're like, "Oh, you have to pay. yourself as a photographer. You can't. just like spend that money." How do you. pay yourself? Like I can't. >> What do you mean? What's the question? >> How do you pay yourself. >> specifically with the money you're. coming that's coming in? >> Yeah. Like am I supposed to like. >> like only put in like $100 or something? >> You're talking taking from your business.

account to your personal? >> It all just goes into one account. >> Okay. Well, one there you go. There's. There's an issue. Do you have an LLC? >> No. >> You never made an LLC. You've been in. this for. >> um my. >> 11 years. >> My tax person said it would probably be. better to stay as a sole proprietor, but. to be honest, I found them on. Craigslist. I don't know if that's. right. >> Well, not only that, but it would be the. same thing. LLC is just uh a funnel. essentially helping you keep things. separate and a couple legal protections. as well. >> Mhm.

I'm not reading. >> Huh? >> I'm not rating. I'm a sole propri I'm a. sole proprietor. >> I know. >> Yeah, that's good, right? >> You still would be. >> Okay. Okay. I I'm Okay. Either way, yes. Get. an LLC. Uh create a business checking. account that's attached to your LLC. >> I have a business checking account. >> Okay. What the [ __ ] are you talking. about then? You just. >> I just. >> Why Why does Why does everything come. into one instead of going into there? >> My No, everything goes into my business. checking. I just. >> So, you spend personal out of your.

business checking? >> Yes. >> That's moronic. That's so stupid. Create. a separate checking account for. yourself. >> Okay. budget. your business. Figure out what you're. spending on business expenses. Yeah, you. can distribute profits. Maybe leave. $10,000 in there as some wiggle room. Distribute your profits at the end of. the month to you and set 30% aside for. taxes. Is that complicated? >> Oh, like at the end of the month, but. then like if I need money to spend on.

the other days. >> Uh-huh. It's after you've distributed at. the end of the month, that next month. you spend what's in your personal. checking account. that was distributed. at the end of last month. >> That doesn't seem as fun, though. >> Well, it's not it's not about fun cuz. we're not children. You're 30. >> There's always going to be more money in. my photography business account. >> Not necessarily, cuz you'll distribute. your profits, which should be pretty. much 100% other than maybe some gas that. you do, traveling to events, maybe a.

little bit of food that you do. Is now a. good time to tell you I built a travel. photography business. So I have to fly. in order to work. I don't work in. Sacramento. >> Oh well, yeah, that's going to be. [laughter] a lot more expenses. >> Yeah, >> that's going to be a lot more expenses. And obviously you take again your. distributions after that. >> Yeah, that's what I'm really bad at. >> Yeah, but you know how much you spend in. a month, right? In your business. >> No, I've never. >> Well, no, no, you can sit down at the. end of the month and see what you spent. >> I could. I mean, really, it should be.

like towards like the the first or. second week of the next month. Look. previous, see what you spend. >> It's just like one of those things where. like I'm never like I I don't track. I. don't know how much. >> Dude, even if you're not tracking, let's. say $10,000 is our baseline in our. checking account. Next month, call it. the second week of the next month, first. week of the next month. Whatever's above. $10,000, you can take out if you want to. be overly simplistic of it. Then put 30%. of that aside that you take out. There. you go. That was a two that was like a. one-step process.

>> Two-step. >> But I don't know how much my business is. going to cost to run that month because. it's like. >> Okay, then take your highest expense. month. Leave that amount in your. business checking account at all times. Anything above that you can take out. And anything you take out, set 30%. aside, and you can take it out multiple. times a month if you want to. I if we're. just going overly simplistic. >> Do you want to hear a funny story? >> No, not particularly. >> Okay. But apparently your car your card. was declined yesterday cuz you didn't. even know. >> I didn't know it was a bank holiday.

yesterday. I thought like wasn't. Columbus Day canceled or something? Why. are we still celebrating it? >> Your card was declined? That doesn't. make any sense. Why would a card be. declined? >> Because I used that business account for. everything. And so like. >> dude, I was using my business account. yesterday. I wasn't declined. What are. you talking about? >> No, because I Okay, so Sunday night I. got the email saying, "Oh, you're going. to get this much deposited tomorrow. based off what I made this weekend." But. it wasn't deposited. >> Oh, because of the holiday. >> Yeah. >> So, you're relying on deposits to. deposits just for frivolous spending.

>> For fun stuff. Yeah. >> If 10 thou Listen, you're you're doing. okay. You're making $120,000 a year. Okay. Before expenses, I don't know what. your expenses are. We're going to look. through it. But even still, this doesn't. 100 I I I don't understand. You're. You're not living like an incredibly woo. woo super rich lifestyle in Sacramento. You're not going to on 120 at before. expenses. Before expenses and I I'm. guessing what is that 20 30 a year. maybe? I don't know. Flights can be.

expensive. Hotels can be expensive. especially depending on how you're. trying to do it. You're also not living. a poor lifestyle either. So you. shouldn't be distribution to or like pay. to pay to pay in order to just make a. small frivolous spend. >> It's cuz I was in Alaska this past. weekend so I spent. >> but for business. >> Yeah. But then I like to treat myself. when I go on these business trips. No, that doesn't make any sense. Why would. we be treating on business trips? Treat. yourself on your vacations. Treat. yourself in your home. >> I don't want to take vacations. >> What does treat yourself in Alaska look. like?

>> Well, you know, Alaska's expensive. I. spent like $60 on Chowine. >> Okay. Did it make sense to take the job? Did you break even? Did you even make. money? >> Usually I profit. This one, it's Alaska. Like, there's not that many. >> Then we're not taking Alaskan jobs. >> But I wanted to go. So, it was a work. trip and a vacation. Okay. You just said. you didn't take vacations. If it. >> No, no, I don't. I don't. I was. >> But this was a break even. And if you if. you wanted to use the break even to go. somewhere you wanted to go, that's fine. But if it's literally just for business,

obviously it's not. We don't go for just. break even when you could have used that. time making a profit somewhere else. >> I think I lost money, especially after. the Trump man. And I spent $50 to rent. >> But even still, even still, I will say. it's okay to slightly lose money if you. use that as a way to subsidize a. vacation. >> Yeah, >> I'm okay with that. I saw a moose. >> But let's not call it not a vacation. It. was a vacation. >> No, >> if it's a strictly business opportunity, then that it was and dumb and you should. have done something else. >> I consider anytime I bring my camera a.

work trip, >> which okay, yeah, the IRS might have. some fun with that at [laughter] some. point. Um, if we're being honest, people. don't really understand deductions too. much in this country. You think you can. just write things off. >> So, I bought my camera and I did take. >> Well, that would be business. Buying a. camera for your business would be. business. >> I brought my camera to Alaska and I took. photos of dancers. So, it was a work. trip. >> Well, this is a great year to do with. 100% depreciation. Absolutely. [clears throat]. There's a lot of advantages that you. could be taking advantage of right now.

with equipment for this year. specifically. >> Yeah, I'm learning that stuff. >> that your CPA will help you with, but. apparently you don't work with a CPA. You got a Craigslist guy that told you. something once. He did tell me about. depreciation. >> Okay. He told you something about the. Okay. >> I wrote off my printer. >> Yeah. And that would probably make. sense. >> Yeah. >> To a certain extent. >> But he also he also said we got to be. careful not to like cuz now that the IRS. they might like pay more attention to me.

now that I'm like. >> why you. >> cuz like I'm a I'm a business owner. >> Yeah. But a lower income on the business. owning threshold. So usually you. wouldn't be in the you know gaze of. Sauron. Wait, aren't there like high. income? I don't know. What's high in. America? >> Uh, as far as an overall business, no, not necessarily. >> Okay. >> What if they're auditing a person in a. business? Like, I mean, usually with I. mean, they have more limited resources. for what it's worth. So, they go after. like the big bucks.

>> Is now a good time to tell you that I. was audited? >> Oh, okay. So, they did. You must have. triggered something. >> I did. Yes. >> What did you do? That's insane. I. haven't had someone audited on this. show. Really? That's insane. Yes. >> That's so special. Um, they like Okay, it wasn't my fault, actually. >> Uhhuh. Of course. >> So, one, I didn't know photographers had. to pay taxes. Nobody told me that. >> You want to continue? >> I was little. >> Little. >> I was. >> Girl, you've never been little in your. life. >> Okay. Two. Um, I guess like in.

California, if you make more than $600. through PayPal, which of course I am, >> first of all, that's everywhere. That's. the IRS, but also probably their state. taxes as well. California likes their. money. Yes, >> California likes their money. Um, so. yeah. >> Number two. Let's get on to number. three. >> If you make more than $600, you have to. report it. I wasn't reporting that. Yep. Okay. >> I wasn't reporting PayPal. >> Of course not. They of course now on. PayPal, Venmo, Cash App, they have. statements for end of year for taxes.

Literally, if you just looked at it, you. would have been able to submit it and. you're okay. Whatever. Yes. Super easy. >> PayPal told on you. Yes, cuz Yeah, of. course. Again, they create the end of. year reports for you. So, you did. trigger. It's not your fault. What do. you mean it's not your fault? That was. your fault. >> But it just. randomly happens. Like, it was never. issue before. All of a sudden, >> you know, the 600 thing is a relatively. new rule from a couple years ago. >> Yeah. And this was a couple years ago. >> Exactly. >> But like I don't. >> And your CPA didn't tell you.

>> I don't even know how much I make. Like. it es and flows. No, I didn't have a CPA. back then. I was I was doing it myself. >> That doesn't make any sense. But you. didn't know anything. Why would you do. something that you know nothing about? >> What do you mean? I just started a. business and then it started making more. and more money. It just like snowballed. >> Yes, I agree. But that's usually when. you reach out for help when you don't. know something. >> You didn't fear the tax situation. >> I didn't know how I didn't know how. extreme it was. And then Yeah. >> Extreme. You don't think they want their.

money? The people with the guns. >> Okay. So anyway, plus when I did get. audited, it was like over co nobody was. like even going outside. I was. >> well I believe they had increased IRS. funding during that time. I think the. inflation reduction act had more IRS. funding. They had more resources to go. after you if I'm not mistaken. Maybe it. came from. >> that actually would make sense. Yeah. >> So like I was like inside. I wasn't even. shooting. >> Everyone was inside and then Yeah. I got. like a little.

audit. Okay, tell me about the audit, dude. My goodness. >> Okay, I mean, what do you mean IT'S AN. AUDIT? >> WHAT THE HAPPENED? >> It's an audit. >> Congratulations. This is a calculator. I. can tell you things about it, though. I. can describe the buttons and what IT. DOES. TELL ME about the audit, dude. Oh. my goodness. What a miserable. conversation. You're incapable of. answering questions. >> No. Step one, >> got audited. >> So annoying. >> Step two, then I did go on Craigslist. and I looked for someone to help me. And. step three, they basically said, "You.

already got audited. You don't want to. like just pay it.". >> That was it. They just said you owe more. money. Are you sure you even got. audited? >> No, I know I got audited. >> No, I don't think you got Did they Did. they have you send over years of. documentation? >> No, they already had the documentation. from PayPal. >> You [ __ ] You were not audited. You. were just told you owed more money. >> You actual creature. You were never. audited. No, I think I was audited. >> No, you were not audited. They PayPal go.

back and refile. >> Yes, PayPal. Yes, because you did it. incorrectly. You weren't audited. >> I think I was. >> No. >> If they garnish wages, isn't that. auditing? >> Not necessarily. Garnish wages. Who they. garnish from? Look, private student. loans can make you feel like you're one. mispayment away from selling your. grandma's heirlooms. We miss you, grandma. Why? Refi says, "CHILL OUT. NO. MORE SACRIFICING the family jewels. They. don't reduce you to a credit number. They actually want to see if you.

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interrupt you either way. >> Listen, >> they knocked on my door. >> Uh-huh. But, okay. Listen, if you were. able to answer questions and tell me. what happened throughout the auditing. process, maybe I would say yes, you got. audited. I don't know. I it sounds like. to me that the payment services that you. use like PayPal, you know, reported to. the IRS just as they do every single. year and they gave you your end ofear. statements. You filed incorrectly and. then said, "Hey, you owe me more money.". >> No, it wasn't like that. >> Okay, then tell me what literally if you. were able to just tell me what the.

happened, I would just be able to listen. and know. You're incapable of actually. giving details for anything. I'm going. to do better this year at 6 months. It's. $8,000 to dad. Oh, I was audited. Why. were you audited? Hey, it was an audit. Shut the up. HOW ABOUT YOU ACTUALLY TELL. ME SOMETHING? Oh my goodness. I'm sorry. I'm coming in hot, but this is nothing. will annoy me more than someone who. literally just can'ting say something. >> Okay, >> answer. >> I was They had me go back to every year. and redo it. >> Okay. >> It wasn't just the previous year.

>> Okay. So, they [clears throat] were. asking for a lot of detailed. documentation. >> Yes. >> Good. Thank. >> How long does that take? And you did. that yourself without the help of. anyone? >> No, I did. I did pay the Craigslist. person. The. >> Craigslist person. Okay. >> Okay. So, but she said you really once. you already. >> Who's she Craigslist or IRS? >> The Craigslist person. >> She said once you already get audited, you don't want to around too much and. it's better to just pay because even if. like so let's say like oh in 2018 I.

brought my camera. I did this this. She's like you don't want to go and try. to do a bunch of write-offs because. they're going to be really looking at. every single write off. >> Agreed. So she said it's better to just. suck it up and pay it. >> Agreed. >> And then fix it in the future. >> Agreed. >> So that's. >> like amend it in the future. >> No, she said don't even for the last. years. I would agree with that. >> Yeah. She said don't try to the more you. do now is like they're going to be at a. microscope looking at it. >> Absolutely. >> Yeah. So but now for like 2023.

I I broke even because then I learned. about the write-offs. >> Learn. Did you do them correctly though? If they gaze their eyes on you, will. they be like, "Actually, this is not a. write-off." Cuz what most people think. is like write offs and deductions aren't. always 100% true. >> I took her advice and then I. >> her advice or did she do the taxes for. you? Cuz she would do it correctly. Actually, some some CPAs would do it. correctly. >> Yeah, she did the she she redid it. >> No, you're 2023. >> No, then I got a second Craigslist. because once she did it, I still owed so. much money. I still owed so much money.

>> Probably correctly. And then you had. someone come in and do what you wanted. to do to almost illegally eliminate. expenses. >> Work smarter, not harder. >> You might be audited again. >> No, I think I'm smooth still. And now. >> why? >> Well, and then this year I owed money. cuz now I make so much. >> Uh-huh. >> So I have to be doing it right if I'm. still owing money. >> So do you owe from the audit still in. front of me? That means yes. When you. answer that question, that the answer is. yes. Oh my goodness. >> It ups and flows, though.

>> Am I grumpy or are you incapable of. answering? I can't tell. Sometimes I. don't know. >> No, it es and flows. I've been working. on. >> Oh my goodness. Oh my goodness. I don't. like you. Okayoo. It es and flows. You're just like, dude, I swear. Just. put in aing coin and you pop out like. five catchphrases. [laughter]. >> It's so cute. It's so cute. We all love. it. [gasps]. >> Are you still dodges their their calls? Whose calls? IRS. Are you Are they. calling you? >> Okay. Backstory. No backstory. I hope.

there's details in this. >> My wages were garnishing cuz I was. working. >> Yes. Fair. Good. >> And then when I left that job, they had. nothing to garnish, but they still wanted their money. >> Uhhuh. And. >> so, >> welcome to paying taxes. >> Then they knocked on my door with saying. like, "You have to pay this and we're. canceling your payment plan cuz you're. not making the payment." But I didn't. answer the door so that they can't prove. that I ever got the letter. >> Dude, this is the IRS. This isn't some. random law firm, though. >> Work smarter, not. >> no. Who did you consult for that?

>> What do you mean? I just didn't answer. the door. >> You just Exactly. So, you didn't try to. get advice from any kind of expert that. would say. >> I'm going to pay it though. >> I don't need advice. >> I hope so. >> I don't need advice. I'm going to pay. it. >> I hope so. But what they could could. could not Again, you're you're lower. >> No, you're right. My CPA person did say. like especially in California, they are. they will like they will boot your car. >> Yes. They could do a lot of things, but. they could also, if you go back to. employers that are employing you for. these photography things multiple times.

and they see that, they could go to them. and they could garnish your wages from. that before it hits you. There's a lot. of things they can do. They have like. all the power in the world. >> If they just take it. >> Yes, it is. And maybe they should if. they're listening cuz you're an. irresponsible brat. Listen, if I have to. pay millions in taxes that I could be. investing in the business or you know. doing whatever I want to live my life. because apparently I got to pay like 50%. me kill myself. At least pay like you're. 25. Don't be a. >> I told you I'm working on it. >> No.

Okay. She's working on it. Very good. Well, you know how much came in last. month? It was about that 10. That's. great. How much did you spend? >> Wait, what was last month? Like. September. 10. >> Last month was September. What did I do. last month? It could be. It could be up there. I. don't. >> I don't know where there is. >> Oh, I I think I went to a basketball. game last month, so it could be up. there. >> Yeah, basketball games. Notoriously. thousands of dollars. >> Yeah. >> How much do you think you spent, you.

absolute. answer the question? >> Well, probably. >> There is nothing. Basketball means. nothing. Oh, is probably give I probably. spent a lot last month. Like 10, 12, 15,000. >> Wow. Okay. Big range. Yeah, it was. $19,6859. And you're giggling about it. You don't. care. You're obnoxious. What is wrong. with you as just a personality as a. personality? What is wrong with you? >> I went to Seattle last. >> for a job.

>> Well, yes. Yes. >> Then shut the up. What is wrong with. your personality? YOU THINK SHUT UP FOR. A SECOND. YOU think this is cute? You. think you're cute? You think you don't. have to take care of your. responsibilities and pay your IRS. [ __ ] And you just around and every. single thing you say, "I'm working on. it. I can fix it in six months. It's. only $8,000. Oh, the money I spent is up. there. It's, you know, 8 9 10 11 12 13. 14 $15,000 somewhere in that massive. range." What is wrong with you? Your. personality is whack. It's You have a.

personality. >> To be fair, my friends still owe me. money for the basketball game. They're. going to pay me back. So. >> to be fair, I don't know how the you. have friends. >> It's going to be less. of what I spent. >> Lindsy's telling me your friends are not. going to pay back. >> They're working on it. >> Oh, and and that you know it cuz you. told her and now now that you're on. camera, you're catchphrases, I'm working. on it or they're working on it in order. to just move on from a question. Shut. the up. You You told Lindsay they're not. going to pay you back. >> I was.

>> How much do they owe you? >> Well, it was a women's basketball game. It wasn't that crazy. It was the. Valkyries. That sounds like they. probably paid you to come. >> Probably. I I paid for everything. >> I assume they'd like throw a 1000 gas. >> How much did a ticket cost. >> for all four tickets? I probably spent. like 600. >> You got scammed. That's impossible. >> Well, it was upper. >> That's extra impossible. >> Was upper bull, >> dude. Floor seats at a WNBA game is. about $2.50 and they throw in a bag of.

popcorn. >> No, it's cuz the Valkyries. They're in. California. It's their first year. It's. their inaugural season. So, everyone was. very excited about them. >> Who is everyone? >> All [clears throat] the Bay Area. [laughter]. >> Bay Area. >> Yeah. All the tech bros really care. about WNBA. >> They got to the playoffs. I didn't go to. that. >> Nobody did. >> Anyway, so we drove. I thought people. would pay me for gas. Nobody did. We. went to the game. >> Why do you have such friends?

>> I like to offer to pay for things cuz. I'm wealthy. >> It's nice. But uh. >> but I don't have expectations of payback. and nor do I want it. But you clearly. did and yet they just don't. Like these. don't sound like good friends. >> I think someone bought me a drink. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That.

is [music] bad tracking. And it's. exactly why I use Dollar Wise. It shows. you exactly where [music] your money is. going every single month. Spending, subscriptions, and savings all in one. simple dashboard. Everything you need. and nothing you don't. And when you. download Dollarise today, you'll get a. drive for free, plus 3 months for just. $9.99. So you can finally take control. and see what your money's been doing. behind your back. Click below to get. started. >> One of them is my sister. I should. mention that. I'm just wondering the.

fact that you expect for them to pay you. back and they're not. >> It's a loose expectation. >> Okay. >> I can afford it. >> Maybe. Not really. You owe the IRS. money. Can you afford anything? I would. suggest no. >> I can. I mean, we got there. My. >> WBA. Let's bring Let's bring in Aaron. Um. >> Aaron Aaron is not here today, so I. brought you our best lesbian. Oh, >> this is not going to work. I can leave. >> No. Come join us. Do you know basketball? Huh?

>> I love Clark. >> Okay. >> Oh, Caitlyn Clark. That's the only one. >> Everyone does. All right. Ma, come on. >> She wasn't. She wasn't there, though. >> Um, usually Aaron does this, but I have. the next best thing. Her boss. Um, we're. trying to get her lesbian score. 0 to. 10. 0 to 10. Trying to get her lesbian. score. You can ask her questions. >> Besides Caitlyn, name three WNBA. players. >> Paige. >> Don't know who that is. >> Uh, well, I went to see Caitlyn Chin. >> What? That's is such a general first. name. Paige. [laughter]. >> I don't know. Paige Buckers.

>> Oh, okay. >> Caitlyn Chen. That's who I want to see. because she's on the Valkyries. She's. the first Taiwanese basketball player. >> Oh, yeah. Yeah. >> Yeah. And then um. Paige's girlfriend, Aussie Fud, >> who's the one that constantly gets made. fun of. >> Angel Reese. >> Lindsay agrees. >> Yeah. >> Okay. >> Her and Caitlyn Clark have that rivalry. >> It's Oh, that's a rivalry. >> Too much WNBA talk. It's disgusting, [laughter]. >> I think. Yeah. Okay. Do you think it's. fair to say that most women can't drive? Well, >> I can't drive well.

>> Oh, okay. So, a good anecdotal. >> You should see my car. I got let I hit. the construction code. Now the side of. my car is orange. >> Okay. >> And my car guy. He told me never to use. super. >> All right. Let's get a lesbian score. 0. to 10. Zero being the best worst, 10. being the best. Most lesbian. >> I know. I'm dressed normal. I'm going. >> to give a five. Five out of 10. If you. want your lesbian score, see where you. stand in the world of lesbian, go to. calepamper.com/lebsian. Oh, we got to go into this IRS. But what. what do you think your finances are? 0. to 10. Zero being the worst, 10 being.

the best. >> Well, I probably make more money than I. on this show. >> 0 to 10. Zero being the worst, 10 being. the best. >> So, six or seven or eight. >> Oh, you're miserable. >> First of all, that's insane. You. wouldn't be on this show. >> Ladies and gentlemen, if you want your. financial score, see where you stand in. the world of finances, take the. assessment. It is free at caleb.com. See. where you need to improve. See where you. need to do better. Shut the up. I am. doing a call out. I legitimately do not. like her. You are so annoying. Oh my. And if you don't want to be like a guest. who ends up on the show, you're going to.

need a lot more than this to not be like. her. Just don't be an obnoxious. But. download the dollar wise budgeting app. and you won't be like her financially. Uh take the free trial. Sign up for the. annual version if you want to save a lot. of money. And when you do, I will. personally sign my budget friendly. cookbook and mail it directly to your. door. This only lasts for a couple more. months and then it's gone forever. No. purchasing, no nothing. It's gone. It's. dead. [sighs] Okay. IRS. >> It looks bad on paper. >> What does that mean?

>> It just looks bad cuz it's printed out. on paper. >> And the alternative is. >> when I work on paying it off, it's not. going to look as bad. >> when it's always when. It's never I am I. have. It's always in the future. It's. interesting how that works. That's how. it works for anyone. dieting. It's how. it works for anyone budgeting. It's how. it works for anyone going and getting a. better job. It's how it works for anyone. starting a business. It's always when I. do it, never I am or I have started to. >> on the push. >> 2024 taxes $7,39122.

2022 $16,33.88. 2021 $2396.62. Listen now, is it not that bad? 7,000. I. mean, it's not great for your income. situation. Absolutely not even close. Uh, but here's the thing. It is okay to. owe a little bit of taxes as a business. owner to not pay your estimated taxes. perfectly because it's often times based. on last year. And if your business is. doing well, it's growing, you'll. probably owe more money. But as long as. you're saving and setting up money aside. in order to pay your end of uh balance.

from previous year, that is okay. But. deferring not necessarily great. You. might have to pay some fees, you know, and especially if you have to pay on a. payment plan, which you're getting to, that is not good. You didn't defer. You're You owe in general insurance. acrewing interest in your Okay. Huh? Why. can't they don't trust you? Cuz you're. cuz you're moronic. So you just owe this. out of the gate. $26,91.72. >> Yeah. >> You can't. >> Sorry.

Interest is acrewing at probably it's. usually fed rate plus like three. So. we're talking like maybe like seven. >> Honestly, it might even be like 15%. >> What out of penalties and you? >> Oh, penalties. Oh yeah, I think. Okay, I. think it might be a 78 interest rate and. then I might be getting penalties. >> Why? >> Because the payment plan. >> So why can't you get on a payment plan? What happened? >> I didn't pay the payment plan. But now. >> why? That was such an opportunity.

>> And now I have a plan to pay the. payment. I'm going to make a bank. account where I'm going to put money. into it and then every month I'm going. to draw directly and then that way it. won't fault. It won't fault. >> Yeah. Like, isn't that what it's called. when it Oh, it won't decline. That's why. I got cancelled from the payment plan. cuz my card declined. >> Why don't you have enough money in your. checking account? Why can't you manage? >> I don't know. Just. es and flows. It es and flows.

>> I'm going to What are you es and flows? Because. >> can you Hey, new rule. You can't say es. and flows or I'm going to work on it. Okay. You can't. You can't. Can I have. the spray bottle? Where's the spray. bottle? She needs punishment. >> Oh, did we lose it here? >> Well, you don't want to mess up my. makeup anyway. >> I don't give a about your makeup. I'll. be completely honest. Um, I need a. punishment. I need to make sure you. don't do something. >> Is there a way to harm her without. physically harming her? [laughter].

>> You can just like smack the paper super. hard. >> That'd be great. Please. Thank you. [sighs]. >> Uh, green for the sake of brand. matches. my sweater. >> Say it again. Get the whack. >> Okay, >> then the rules. >> I'm a rule follower. So, >> except for paying your taxes or. [laughter]. budgeting or doing anything. >> I was little. What is this? I was. little. Okay, new rule. You can't say I. was little either. That's now off the. table. That is whackable.

>> Anything before your frontal lobe. >> That is whackable. Frontal lobe. Are you. going to do the 25 frontal lobe thing? >> It actually is 28 when it develops. No, it's personto person. First of all, >> okay, I nominate myself as a 28. developer. >> I'm going to nominate you as listen by. the I read a whole psychological report. on it cuz people people on TikTok and. Reddit love to abuse this 26-year-old. 25-year-old frontal lobe [ __ ] from. the vast majority from it's either like. 16 or 18 is world experiences. It's not.

actually just sitting there and it's. like, oh, it's developing, it's. developing, it's developing. That's not. how it works. It's mostly for the. absolute for the vast majority of the. the brain doing through growing with. ages is done by 16 18 then a lot of it. is life experiences and if you're just. locked inside being a little brat baby. then obviously yeah it might not be. developed until 35. and it's going to be person to person. regardless it might be 21 for some it. averages out at about 25 but shut the up.

you think you should be forgiven. everything at 24 you don't feel your. frontal and by the way it is a gradual. thing from 15 to 25 anyway. It's not. like 25, oh, I'm not anymore. That's not. how it works. You are still responsible. for the things that you have done and. the mistakes that you are now dealing. with. I was young 20 uh 2021. You. weren't that young in 2021. >> I don't know. What was I like 26? >> Yes, that would be the math. >> My frontal lobe was. >> So, you completely dismissed everything. I just said. [laughter].

>> No, my I know my frontal lobe. I know. what. >> No, you don't. >> Yes. No, you can't feel it. You can't. sit there and be like analyzing it. >> My decisions got a lot more wiser when I. turned. >> based on life experiences. It wasn't. because you turned 28 and it just. clicked in. I swear you Tik Tok Reddit. people are actual parasites on this. planet and don't understand anything and. you anything you can possibly find one. little anecdote in some psychological. analysis and you base your whole world. view and excuse everything on it and.

andalize yourselves to the ultimate. extreme. >> Some of them are wild. I don't like that. like oh I have trauma so I can't do. anything. >> Come on. You're just like you're on that. same level. You just picked on something. else. You picked on the frontal lobe. argument. [laughter]. No, it's valid. >> No. No. >> Yes. >> But it's it's literally not. It's mostly. life experiences. >> I think you're saying this cuz your. frontal lobe is still developing. >> Oh my. I hate you.

You're obnoxious. >> My interest rate might be on there. actually. Oh no. Never mind. >> Well, listen. I was looking and it. wasn't. So, no. I didn't realize that was a card. You. >> need a frontal lobe. >> This is. >> fully developed to be able to read. numbers. >> It's telling me how to avoid owing a. balance. >> Uh-huh. >> I'm going to do that in the future. >> Is your hippoc campus fully deliver de. developed so that you can actually learn. from this? >> Yeah. >> And not do it again.

>> Next year. Next year I'm going to be so. on it. >> Next year. Full hippocampus. >> We're working on it. >> Gotcha, [ __ ]. >> I didn't say it. [laughter]. >> Yes, you did. We're working on it. Yes, you did. No, you said I can't say the. other word. >> No, I gave you three things. Your. catchphrases, your moronic, obnoxious. catchphrases. Sorry that it just damaged. your frontal lobe and set it back 5. years. >> Probably. >> Southwest Rapid Rewards. What's going on. with this card? >> Okay, so basically I'm very responsible. I've never This is only my second credit.

card. Okay, >> dude. This stack is so big. >> I had I had a good reason for getting. it. I needed I needed a couch. >> and perk. I would be able to fly on. Southwest. >> You want to do Southwest out of all the. airlines? >> I don't want to, but that's. >> Then what the are you talking about? >> That's the like second biggest airline. out of Sacramento. >> Uhhuh. >> So, it's not my favorite. I don't like. it. >> It's nobody's favorite, >> but that's what flies out of Sacramento. So, >> okay. Again, the reason specifically for.

the rewards to uh align with, you know, your airline thing, that's okay. I mean, the couch is kind of moronic. Why aren't. you Facebook marketplacing? We know. you're on Craigslist. >> Well, I don't want like lice or. something. >> Dude, I swear this is the argument every. You could get a professional Dude, with. a professional cleaning of a couch plus. picking it up from a rich area where. they're just trying to get rid of it. will still be 10, 11, 20, 100 times. cheaper. Remember that doctor's. appointment you were supposed to make a. while ago? Like the dental cleaning you. meant to schedule, but you got.

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Let's get back to the show. You asked. for it and I'm delivering a way to. connect the dots to see how the stuff we. talk about applies to you, your money, your [music] debt, and your goals. The wait is over because Master Your. Money, my all-in-one personal finance. platform, is finally [music] live. Inside, you'll get access to all of my. courses, budgeting templates, calculators, a community of like-minded. budgeters, exclusive content, weekly. tips, and free access to the Dollar Wise.

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today and get lifetime pricing at just. $39.99 a month, over $100 in annual. savings, and access to the dollar wise. budgeting app premium version, one month. of Hammer Elite 3.0 for free, plus a. free budget friendly cookbook that you. can download. This insane offer ends. after Black Friday. So, if you want to. master your money, click below and get. started today. >> Then getting a new couch. Then I have to. pay. >> so cheaper. >> to get it. I live in a thirdbedroom.

apartment. I wanted them to deliver it. >> Well, if you have friends like you said. you do, >> they will help you. >> Not that are going to move a couch. >> Okay. So, you have friends in the. elevator. You have bad friends. >> Bad friends. >> Barely fit in the elevator. >> But it did. And you have bad friends. >> I didn't ask. >> Dude, >> look it. Part of making good money. >> How much was the couch? >> Part of part of making good money is for. convenience. So. >> what? >> You have the ability to pay for. convenience cuz you make good money.

>> Sure. You owe the IRS money. >> So I paid to have the couch delivered. >> I swear I swear I say things and you. don't actually listen. >> I'm going to answer your question. I. paid to have it delivered and I paid for. them to haul the other couch and it came. >> the dollar amount. >> It came out to about $7,000. >> Oh my. You are broken. What is wrong. with you? >> 7,000. >> It's a modular couch. So, I can make the. couch and it's going to grow with me. >> It's also my first couch. I've never had. a couch before. >> What is wrong with you? What do you mean.

you've never had a couch? >> I've never had a couch. I've always been. so. >> family's house. Never had a couch. >> Well, yeah. When I I moved out at 18, though. >> Oh, 18. Oh, what a tragedy. >> I haven't had a couch since 18. >> Who cares? Who cares? >> So, this was a grown-up investment. >> You know, all the tech bros thating move. to Silicon Valley where you are probably. just have an air mattress and a Xbox and. a TV. That's it. Yeah. >> Probably don't even have a couch. They're grinding on Battlefield and then. coding all night. >> Yeah. They work all day. >> Uhhuh. >> So that was like I quit my job to do.

photography. >> Oh, so we had to get a couch. >> Yes. So that I. >> What? >> Because like where am I going to sit. while I edit photos? >> A desk. and Well, that would be cheaper. A nice. little IKEA desk and a desk chair. >> I don't have a chair. >> Dude, I'm saying you're actually Dude, I. think you actually might be stupid. I. don't know how you got to where you are. Well, I went to Target and I got those. like folding chairs. >> Well, there you go. You've already. accomplished what you said you didn't. have. >> You've already accomplished what you.

said. >> I can't sit like in that for like 8. hours a day. >> No, of course not. You could get. >> I already have a bad arm. >> I'm not trying to baby myself. >> You get a $300 chair that has adequate. lumbar support and all the good stuff. Good posture sitting and a $300 desk and. that would have been cheaper and grind. on your photography. Cash flow a couch. when you can get it. You put it on a. credit card. You didn't cash flow it. >> I was going to pay it off. >> Was going to Was going to. >> I think I did. >> No. You absolute moronic freak. You owe.

$7,217.89. >> That's perfect. >> How are you seriously somehow becoming. my least favorite guest on this show? This This cannot be I cannot tell if it. is me or you. I really can't. >> I can't. The audience calls me out when. I'm being grumpy. And you know. >> No, I don't think you're grumpy. Am I. being grumpy as to her? >> No, you're not grumpy. >> You're that grumpy today. >> Okay. >> You seem like you're in a good mood. >> That's the nice person's version of. saying you're a horrible obnoxious be.

more mean to other people. >> I am holding it back. I feel rage within. me. >> It's cuz like I'm so cute. >> We're not going to talk about that. Let. me just say use those stairs and not the. elevator a bit more. >> Anyway, >> sorry. I'm just being mean cuz I don't. like you. I don't even want to be mean. except for you. I do. >> I carried my suitcase up the stairs. >> to here. >> Yeah. >> The one flight. >> That's like one and a half. >> I'm certain that was traumatic. >> No, like I said, I live in a third I use.

the stairs. >> Anyway, let's go back to this. >> So, what I will do is I'll get you a. course career certification in. accounting. You got to learn the numbers. around your business cuz the fact that. you can't even do the numbers in your. business is insane. How long does this. take to pay off if you only make your. minimum monthly payments and you do not. purchase on it? Which, by the way, you're incapable of as you purchased. $3,000 last month to substantially. higher than your payment. More than. double. >> Well, I'M GOING TO. >> HOW LONG DOES IT TAKE? Minimum only. And. no, you're not. I'm going to shut the. up. That is one of the wax. Okay.

>> I don't know. Like 15 years. But I pay. it off every month. >> No, you don't. You didn't last month. You absolutely done. >> It's a roll. It's like a It's a rolling. shen. Shh. Quiet. You didn't It acred $148.77. of interest last month cuz you did not. pay IT OFF. YOU BETTER SHUT UP. YOU PAID. A FIFTH OF IT OFF. I I Oh my Oh, I don't. want to finish this episode. You are. >> That's better than some of your other. guests. >> Why does that matter? >> I don't know.

>> Why does that matter? And no, it doesn't. because listen, sure it's a bigger. payment than some people made, but you. spent double on it. you spent double. what you put on it. So, it doesn't you. completely negated it times two. Like, it doesn't make sense. And you you can't. tell me you pay this off every month cuz. it's not even close to true. You've you. listen, you've had uh $1,000 in interest. this year so far. Rounded. Okay. >> Oh, I only got it in April. >> Oh, you are a broken individual. This is. your second credit card, and you only. got it in April this year, and yet we. have this stack to get through. I don't.

need to know why. I already know why. The Y doesn't negate the timeline. You. actual incapable of having a. conversation. Beast. >> Yeah, it's a new card. I just got an. April. Do you need Do you need some joy? Do you need some joy? >> I I I need to wrap this so I don't have. to be in front of you. >> This might make you feel better. >> Okay. Yeah. Everyone likes bringing. their plushy now that they know that it. triggers me. Shut the up. You're not. cute. You're annoying. You didn't even. look at his little I don't give a You're.

annoying. You're obnoxious. You're not. funny. You're not cute. Nobody's. laughing at you. Nobody thinks you're. enjoyable. You're a miserable existence. in front of me right now. And you're. going to Radcliffe. You're going to. Radcliffe, Taco Bell, LSU Towny, The. Snug, Shady Lady Saloon, Raising Canes, Walk the Line, uh, Department of Air, something I don't know. Maybe a hidden.

dumpling house, Midtown's Cantina. >> I like. >> Which one was comedic? >> I like to go out with my friends. >> Oh, do you? >> Those are like all bars. Yeah. >> Oh, wow. Okay. Wow. Yes. Let me shake. your hand and tell you it's okay. Now. then what? I don't. No. >> I live downtown. Right downstairs. >> You like to go out? You did not have to. tell me. I knew that. They knew that. Shut up. >> Sorry. Raw store. Well, Trader Joe's is.

a I don't know why that's highlighted. Southwest. Yeah. American Airlines. But that's. probably that's for the job. The Golden. Bear. Willow Ike Oak Fire Department. I. like to donate money. I might have. donated. That might be donated. >> Why else would I. >> double what you made last month and you. owe the IRS money and you're donating. money? >> Yeah. >> What's the point of making money if. you're not going to like. >> owe you owe still? >> I agree. Pay [clears throat] it forward.

After you pay off what you already owe, >> I think it's pay it forward. >> Oh my. I swear you you just literally. you say something, I then make an. argument against it and then you just. repeat what you said before I made the. argument. It's like I said, I told you. $10. I told you $10. Your argument is. not valid when you owe the IRS and. you're not saving enough money for. taxes. >> Support our fire departments. >> Yes, I agree. And you can support it by. doing much more in the future once you.

pay off your debt and have a fully. funded emergency fund. There you go, dude. Then I'm sure Okay. I'm sure. they're fine. Worby Parker. Orby Parker. That can be okay. >> That's why I just said it can be okay. You beast. Shut up. Snap camera. >> Little camera. >> McDonald's. Old Navy. Nails. Then. donating to PBS. $103. >> The government like defunded them or. something. >> Dude, the government's not able to pay. bills because you're not paying your.

taxes. >> No. No. PBS I think is privately funded. >> mostly. Yes. >> Yeah. They need a little. >> has been for a long time. You have no. money and you already owe the government. money. >> Isn't PBS like being canceled? Like. nobody's giving them money anymore. So. >> I think uh. >> I don't I don't follow politics. I don't. know for sure. But I gave them a lot. >> Yeah, I think PBS and NPR had their. funding removed. But if I'm not. mistaken, NPR, it was like 2% came from. the government anyway. There's still. local and state government. >> Now they have $100 more. >> IRS, please just come take everything.

she owns. Honestly. Honestly, please. destroy her. Destroy her. Please. She. deserves it. >> They might take you seriously. >> I am serious. >> I can get that. >> You're an [ __ ]. >> You're going out donating and spending. money with your friends when you owe the. government money and I'm out here having. to write checks of disgusting amounts of. money. >> You do your part. I'm okay with paying. my taxes. Oh, you. >> We're working. Sorry. >> It's a progress. It's a process.

>> You're doing it. You didn't say pro. >> Come on. That's the same part of it. >> Your stupid catchphrases that mean. nothing cuz you haven't done there's no. indication in here at all that you have. ever tried to be decent. [clears throat]. >> You don't see any any payments to that. >> You spent double what you paid towards. it. >> Shut up. >> Anyway, I had to get the glasses since. my insurance got cut off. >> Yeah, I didn't complain about the.

glasses. >> I'm just letting you know that's why. it's so much out of pocket. Okay, EP. didn't complain about them. Glasses, [clears throat] you need them. Listen, you can use the Fizz card, debit card. that builds credit at least, cuz you. can't spend more than what's in your. checking account. And clearly, you need. that discipline. Obviously, you have the. yearly fee on this card. >> I don't think it's that much. >> What? What? What is it? And what is that. much? I don't even That doesn't make. that didn't make sense for anything I. said. >> It's Southwest. It can't be that much. >> The annual fee.

>> Yeah, it can't be that much. >> $69. Agree. Was I [ __ ] on it? Not. necessarily. I was just calling it out. You absolute impossible to be around. human and I'm being generous calling you. human. Delta Sky Platinum. What's going. on with this? >> Cuz I like to fly Delta. >> Delta is my preferred. Also, it is a. reserve card now, not a platinum. Might. be good to mention. >> Great to mention. >> So when I fly, I can go to the lounge. and get my little drink. >> I'm sure that makes you even more. tolerable.

$31,4.75. >> of what? >> Your minimum monthly payment and then. your. >> That's not bad. I always pay that. >> If I don't pay. >> Shut up. Your balance is $9,4216. >> Yeah. >> 21 years to pay this off. Minimum two. payments only. >> But I pay it off cuz if I don't pay it, then I. >> You did not. Interested. You didn't pay. it off. You're a liar. You're a. manipulator. I got to keep.

>> just you are a miserable existence on. this planet. Shut up. You do not pay it. off. >> Okay, just hear me out. Hear me out. What I do is I have to make sure there's. at least like a little bit of wiggle. room because I have to use this to. purchase my flights. So, I do pay a. little off every month. >> You done? Is that it? >> If it goes. >> such a special little speech. >> Yeah. I I want to make sure I keep my. lounge access and my upgrades. I don't. know what I like to be upgraded to first.

class. So, you know, >> the only seats that fit you. >> Boom. Roasted. >> I mean, depends on the day. >> Sorry, I'm just being mean. I just I I. really You There's something wrong with. you, and that brings out the worst in. me. >> I've seen worse on the show. >> Nah, the fat stuff is very personal, though, cuz usually I like to help. people like actually like tell them. like, "Hey, it's not okay to be that. because going to die early. >> cuz you're going to die early and stuff.

like that. Blah blah blah blah blah blah. blah blah blah. Um, but for you, I'm just doing it to insult. you because I really don't like you. >> I think you do deep down. >> No, I promise you. >> Do you like this sweater though? I got. it for the show. >> It's fine. I don't give a. >> I wanted to make sure I stood out. >> So, you wear the brand color, I guess. Yeah. Okay. >> Yeah. >> Uh, Elsie Bakery, Paramount Plus. Really? Paramount Plus? That's what we. need. Amazon market. Huh? >> There's Spongebob on it. When I flew.

from I get it. >> Anchorage to. >> You're actually Okay. >> It took me seven episodes of Spongebob. to get from Anchorage to. >> Amazon. Chick-fil-A. ABC. The even ABC. You're paying for ABC. Is. that not Disney Plus? What the is ABC? >> That might be. >> Southwest Airlines in Vegas. >> Clear me. Italian. Hera Hotel. Amazon, hotel, born. and bred, swig, moxies, hurts, car.

rental, and again the personal versus. business. Just separate them, [ __ ]. cuz this is impossible. >> See, some of it's business spending. It's not that bad. >> So yeah, Har was a. >> I can't believe I'm only twothirds of. the way through this. >> So it's a work. It's a work trip. >> Oh, >> and that is the ABC. Have you been to. the ABC store? >> No. It's like a really big store and the. water is only like 79. So, it's better. It's actually I'm working smarter than.

going to like anywhere else in Vegas to. get water and I need I need water. [snorts] And they have these gushers. dipped in like lemon juice. It's really. good. >> Onation, McDonald's, more Delta, Amazon. Oh my, it goes on forever. And did you. gamble while you were in Vegas? I'm How much is a gamble? First of all, back. >> can you just answer the question? >> Vegas was one of my best. >> Can you answer the question? >> I made 20,000 and I only gambled like.

maybe a,000 and I won 400. So, even. >> Wait, what? I thought you said you made. 20,000. >> I made 20,000. No, >> I'm gambling. I'm working. Yeah. >> So, you lost a treat to myself. >> You made 400. You You spent a,000. >> Yes. >> So, you lost money gambling. Okay. Very. >> But overall, I still made profit. First. of all, you gambled about 2,000. >> Yes. Yes. But not from gambling. >> That's more money that could have gone. to the IRS. [ __ ] [ __ ] [ __ ]. That's more You don't get treats when.

you owe the IRS 3 years. [ __ ] You. owe money. [ __ ]. >> It goes. [ __ ] [ __ ] Every time you talk. right now, you're just literally getting. chinged on the show. So like, I don't. give a I don't give a Shut up. There is. no excuse for gambling when you owe the. IRS money for 3 years of taxes. >> I only go to Vegas once a year. It was. just a little treat. >> Dude, I swear there's it's it's you're. everything I say is just bounced off of. you to somewhere else. I don't know what.

happens. You don't acknowledge anything. I say. Edgecart who I don't understand. why you're on the show. Doide Diner. Hilton. Oh, well, you're getting some. [ __ ] at the Hilton. [ __ ] to. Hilton. Rose Skin Nugget Market Canopy. Uh, these somewhere Amazon Wax Bar. [gasps]. Salon Passley. Galleria Junior Hungary Root Herz Car F. something Canopy Hotels McDonald's.

Blanco Arco. uh Terrible Resort and Spy Delta Air and. uh got well foods going to be okay. Yeah. I mean, interest this year 1,500. and total fees is, I believe, over what. the annual fee is. I think you may have. had some late fees this year. >> No. Yeah. >> 30% interest rate, pull up your Amazon. and start a screen recording. >> It's not that bad, actually. >> By the way, instead of stopping at the. store and getting some bull like she.

endlessly does, try it here. >> You are you an energy drink person? >> Eh, I'm a coffee. I'm a coffee girl. Oh, well, this is essentially like these. free samples, which you guys can get. free samples. Code Caleb at. gamersubsg.com or uh gamersubs.gg or. link in the description below. But 25. cents a servings for your energy drink. when you make it for yourself. It's like. making your coffee home instead of going. to Starbucks. Stop going inside. 10%. off. No more stopping and getting 10%. off. Link in the description below. Get.

your free samples as well. >> A lot of those things are needs, not. wants. >> Love when you interrupt me endlessly. Okay, paper towels. That's okay. A. necklace. [ __ ] Don't need it. >> Um, yeah. You just purchased a ton and. bananas. A popart [ __ ]. >> It's for my sister for Christmas. >> Don't need water bottles again if we're. buying a book. >> I live on the third floor. I have to get. water delivered. >> Huh? You can't have a brea. >> No. >> What?

>> Those are gross. >> Oh my. I'm going to die. You are just. the worst beast ever. Shoes. I guarantee. you had them lotion. That's not the. worst. Toilet paper. Okay. >> Vanilla Italian coconut body lotion. Fine. You didn't need strips of sticky. right now. Trash bag. Okay. You didn't. need wireless outdoor camera. You didn't. need it right now. You didn't need the. ring camera right now. You didn't need. the palette. You didn't need the wooden. artist palette. >> Was for a photo shoot. >> Exactly. You didn't need it. >> Was artsy.

>> Squeeze bottle. Didn't need it. I assume. you had sheets. You didn't probably need. that paint colors. You definitely don't. need plastic paper plates when you have. plates that you can wash. You cannot. afford this life. >> No, cuz I CAN'T AFFORD THIS LIFE. >> I DON'T want to do dishes all the time. >> Life. Shut the up. >> Portable selfie lighting kit. Probably. makes sense with your thing. You don't. need a cell phone stand and other selfie. kit. So, I don't know why we need twice. Health and fitness mini stepper. Maybe. just don't take the elevator. Vinyl.

gloves. I don't know if we 100% need. that. under eye patches. I mean, come. on. What are we doing? Plastic flavors. for kids. Party flavors for kids. Whole. Foods Market. So, uh, yogurt. I mean, come on. It was like 50/50. >> Yeah. 5050. >> Yeah. But 50/50 when 50% of it should be. going to the IRS or paying off cards so. you don't have debt. Listen, as a. business owner, you want about a 12. month reserve as an emergency fund. because business is about harder. Business is harder and any debt I shut.

up. Will you seriously actually. seriously be quiet? Like you are so. annoying. YOU ARE INCAPABLE. JUST SHUT. UP. GUYS. Just real quick, don't forget to. take your hammer financial score at. calebhammer.com. See where you stand, where you got to do better, WHERE YOU'RE. DOING [ __ ] LISTEN, it just takes a few. minutes and it is free. Figure out where. you stand in the world of money. Caleb.com. Starbucks is [ __ ] and a waste of. money. And you already know that by. making your coffee at home and investing. the rest. So now you need to do that.

with your energy drink as well. Make. gamer stops at home for just 25 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Games. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. You having.

any debt while being a business owner. and not having an emergency fund is so. much risk over your head. Pay off your debt, especially IRS debt. Get rid of the risk and get a 12-month. emergency fund. And and doing all this. while you don't have that is beyond. unacceptable. Beyond unacceptable. >> It's coming together. >> SHUT UP. >> SAY THE WORD. >> Come on. That is the same thing. It is. I'm going to do it. It's coming. together. I'm working on it. Shut the. up. No, you're not. It has not come.

together. There is no indication of. anything that is happening to that. No, I mean I I I know you're being worried. about being evicted in February. >> Well, yeah. >> Oh, yeah. Tell me about it. >> Cuz my apartment's like rent controlled. and I I make too much. >> Good. >> So, >> good. First of all, Sacramento's for. enacting a policy that's performative. and sounds really good, but just makes. housing more expensive for 98% of the. population and discourages building. Not. that Sacramento has good zoning anyway. Failed state completely when it comes to.

zoning. At least they finally passed the. law to build up zone near transit. Not. that they're going to enforce crime near. the transit anyway, so no one's going to. use it regardless. [ __ ] And then. you you're the one in rent control. [ __ ]. you. >> What a piece system we have. I'm glad. rent's more expensive for 98% of the. population in Sacramento so you six. figures can have a rent control. department when you started. But you've. been doing well for 3 years. So shut the. up. >> Yeah, that's why I have a plan. I'm. going to move to San Diego. >> and I'm not going to keep taking.

advantage of the rent control. department. >> They should kick you out 2 years ago. >> No. >> Yes. >> Yes. >> Well, they just asked for. >> you are being subsidized by everyone. having to pay more rent. also. performative people can say, "Oh, rent. control." Because it sounds really good. It feels really good. It never works. There's not a single. >> city in this world that has enacted rent. control policies and rent did not only. go up. >> The contract is I can make up to 100%.

more than I made when I moved in. >> Okay. Well, your rent's going to be. about double from the averages we. pulled. >> When I moved into the apartment, I was. only making like 35. >> Yes. when you moved in. You've been. doing well since then. >> But I could make 100% more. But now I. passed that. So I could make up to. 60,000 a year. >> So it hasn't been that long. [screaming]. >> Oh, this is so stupid. It's such a. flawed moronic system when we should. actually be taking care of people who. need it instead of people like you. It's. disgusting. Then we punish everyone else. for it just so people on TikTok can feel.

good about having a performative. position instead of something that. actually has end results that help. people in the end. needed it when I. moved in. And I. >> when you moved in, you don't need it. now. You need it a year ago. You didn't. need it 2 years ago. >> I'm paying it forward by donating to PBS. and the fire station. >> There's no argument that will ever be. effective to you because then you just. repeat what you've already said. >> I know I'm taking advantage of them, but. I'm paying it forward by like. >> Yeah, but your argument is, well, I. needed at the time. No one No one. discounts that. No one discounts that. But you didn't need it a year ago. You. didn't need it two years ago. You don't.

need it now. You shouldn't. >> saving money to move. >> Yeah. You're saving so much. >> Shut the up. PayPal. It's endless. Uber, Uber, Uber, Apple services. Apple, Uber, Uber, Uber, Uber, Door Dash. Great. Hey. guys, she needs rent control and then. she's door dashing, going out to eat. every single day of her life. This is. great. Thank goodness we all pay more. more expensive housing because of your. failed policy. [ __ ] Uber Eats, endlessly Ubering, Ubering, Ubering. endlessly. Door Dash, Door Dash, Apple. Services, Uber, Uber, Uber, Uber, Uber, Door Dash, Door Dash, Tik Tok Shop. But. hey, we're subsidizing our rent with us.

paying all more expensive rents. You. know, it gets passed on somewhere. certainly doesn't go away magically. Buffy, Door Dash. Oh, good. I'm so glad. we're taking care of you. >> So glad we're taking care of you. And. just uh supporting your travels. Supporting your travels by subsidizing. the airport. You're a joke. You're a. joke on society. Endless Ubers, Spotify, Uber, Door Dash, Uber, Door Dash, >> Door Dash, Ship Station, Ship Station. Those are probably okay. Or uh Uber. Uber. Shut the up. Jellyat. Tik Tok.

Apple. Flood desk ooper. >> jelly was for my sister. >> Okay, that's really good. I'm so glad. I'm I'm so glad I have that knowledge. now. >> You threw my jelly. >> See, I feel so informed. I feel so good. This is wonderful. >> You threw my. >> Shut the up. You've paid fees $216 a. year today for your PayPal, by the way. So, you. >> There's fees on PayPal. >> Oh, there's fees on PayPal. Yeah, >> look at that. It's cuz they probably. don't have enough money in there. You. don't pay on time or you don't have. enough or whatever the endless Ubers.

Endless Ubers. Apple services. You're. the worst person that's ever existed in. the history of my life. PayPal. PayPal. Uber. Uber. Door dash. Door dash. This. is [ __ ] This is endless. >> I stopped door dashing. I'm not. >> You stop door dashing the day before. coming on the show. Shut the up. That's. not how this works. That is another. whack. Okay. Listen. Yeah. Well, we all. stop doing things immediately. Yep. Charge back. There you go. 50 bucks. Why. do you think you get fees? There it is. You don't have enough money. Endless. door dashings. Endless Uberings. Endless. >> Shut the Sheen dumb Apple bill. Pull up. your phone. Pull up your phone. Pull up.

your phone. I don't want to hear you. talk. Pull up your phone. >> The basketball. >> Pull up your phone. I don't want to hear. you talk. I don't even want to hear your. voice. In fact, I wish I could just. Unfortunately, if I mute your mic, I. still hear you. >> and I'm the one dealing with it. So, >> what do you want me to pull up? >> Give me youring phone. Okay. She has Apple Care. Um, oh, it. looks like it's paid annually. That's. good. On her MacBook, that's fine. Calf. cut. You really need Cap Cut. You don't. have anything else. And then Instagram. [clears throat] metaverified twice. You.

have two metaverified. >> Yeah. I don't want to lose my account. >> You have two. >> Yeah, I have two accounts. >> Use one. >> No. >> Don't be verified on the one that. doesn't matter. >> They both matter. >> And then a aesthetic photo shoot thing, guys. That's what That's what you're. paying your photographer so much for. Her $40 subscription to be able to make. her photo shoots aesthetic. It's. >> just on my cell phone post. I have Lightroom. >> [music]. >> So anyway, I had to buy a new computer.

because anyway, shut the up. You have a. Nissan, it looks like. >> Yeah, just a little baby. Sorry, I'm not. supposed to say little. >> Huh? >> Just a little car. >> You know that wasn't what I was talking. about. >> I know. >> It was you calling yourself little. You. You see, she's incapable of processing. information. >> I'm trying to be funny. >> You're not. You're literally the No, I. don't think there is a single person. that will find you funny or cute in this. episode. >> You want to laugh? No. >> I think you want to laugh. >> Anyway, it's just a little car. It's.

not. >> Here's the thing. When a guest is. actually genuinely funny, you hear. laughter in the room. There has not been. one piece of laughter from anything. you've said this entire episode. >> I think they're scared. >> No. No. They laugh so easily. They laugh. so easily when a guest says something. funny. You are not funny. You are not. cute. You are not a good person. You're. horrible. You're disgusting. You're a. beast. >> Cuz they're scared. >> Shut the [ __ ] up. What are they scared. of? What are you going to pull out a. gun? [laughter]. >> So, what are they scared of? >> They don't want you to be more mad. >> But you laugh. I don't care if they. laugh. They laugh all the time. I don't. give a [ __ ] They laugh endlessly. If I.

cared, they would I would They would see. me caring every episode when they laugh. >> Anyway, they don't laugh. >> My car is not a big deal. It's just a. little small car. >> Huh? >> It's not a big deal. It's just a little. small car. >> I think it's like almost paid off. Almost. >> Probably. Congratulations on being one. of the most hated guests on the show. history because I know for a fact right. now they hate you. >> I've I've seen I've seen some that are. questionable. >> You don't think you're going to line up. there? Your personality is horrendous.

>> M. >> You don't think so? No one ever thinks. theirs is. No. $195 a month balance. $2,79629. So yes, you're nearing the end. >> Yeah. Not terrible. It's not the worst. four-year income, but I'm being told you. want to buy a new car anyway. >> Well, yeah. When I move to San Diego, I. want to like go into San Diego like a. fresh slate, so have a new car. >> Why does that matter? >> My car doesn't get parked at my house. now cuz there's not parking. So, I can't. get a new car now. I have to wait till I.

have parking at my house. So, that'll be like my treat to myself. when I move. >> Oh, a treat to yourself. A car. >> How much is a car going to be? Well, you're in IRS debt and credit card debt. >> Well, this is only$1.95. a month, >> you actual idiot. How much will a new. car be for you? >> Like the same, right? This was only like 5,000. So, I don't. know. A new car probably what? 10,000. >> You're not getting a new car for 10,000.

>> I've never had a new car. Like, I've. never had a new couch. And then like once I get a new car, it'll last me like 10 years, right? It's. an investment. >> Die. Just thinking everything in my power not. to kick you the off. You have no idea. You have no idea. You have no idea. >> So, I'm going to get a new car when I. move to San Diego. >> Not right this second in February before.

February. >> So much paperwork left, but I don't see. Is that the end of the debt? That's This. is my main card. That's not a credit. >> It's not a credit. That is correct. You. have endless. uh accounts in here. You have a main. account, a main savings, a manifest. account, which is shows me really how. you are. >> My San Diego fund. >> Yeah. San Diego comes before IRS. IRS. literally take everything away from her, including her apartment. Please. Please.

I'm not even kidding. Like they they. should take everything from you. One of. those is. >> you deserve none of this. Look what. you're choosing to do while you owe them. money. It's disgusting. >> Emergency fund disgusting preach. Take. her money. >> You preach emergency fund. >> When do I preach it? >> I don't know. You tell people. >> Okay. See, you're. >> hear what you want to hear and then. nothing beyond that. I say a one-mon. emergency fund or highest deductible. The money guy rule. >> I have that.

>> And then you pay off all your debt. Yeah. You wouldn't have a San Diego. fund. an actual creature. >> One of those is a IRS account. >> She She can't process information. >> No, one of those is for the IRS. >> Hey. Hey. >> Yes. >> Take the mic. >> Mhm. >> Push it away from my mouth. I'm not. joking. Push it away from your mouth. More. More. All the way until it's on. the other side. >> That's not fun. >> Other side. Go. Go. Keep going. You are.

no longer involved in this episode. I don't want to hear from you. I am not. joking. I will not acknowledge anything. you say. You do not exist anymore. I am. just going through these documents now. You are an obnoxious person who is. incapable of listening to anything and I. am just trying to get through this. If I. have a question, then I will allow you. to pull the mic close to your face. You're done. You're done. And nothing in. my plan or money guy plan or Ramsey plan.

or any other plan that exists out there. say have a San Diego fund will you do. all that. So across everything you have. about 6,000 sitting in there which is. unacceptable when you owe the IRS money. One month emergency fund sure I get. that. And then in this first account uh. it's a black top but I think this is a. main account. You're getting bakery. Dutch Bros parking going in and getting. some [ __ ] concessions. Uh looks like. you oh withdraw from Square but I don't. know. Uh, PayPal, Coffee, The Well,

going in and getting some bull. PayPal, Office Depot, H&M, Lyft, Cafe, Zupus, going in getting some [ __ ] Probably. PayPal, Quilted Bear, American Eagle, Labraa Coffee going in some [ __ ]. Venmo out 400 bucks. In-N-Out, Victoria's Secret, Culver's, Quick. Quack, Cuppies, Swig, Best Buy, CF United, News Shop, Olive Garden, Chipotle, Urban. Outfitters, Marshalls, Lift, Rose Tea. Lounge, Venmoing Out, $300, Chocolate.

Fish, PayPal, Sunhouse Cafe, Lift, Scooter Ride, Concessions, Elsa's B, Estella Bakery, Coffee, I. Going out to eat something association. something association yolo county ros's. conic funnel con chicken rancho camela. coffee PayPal chicklet sips scoops jamba. juice Phil's coffee bigot tires okay.

that one could be fair pets coffee. nugget market withdraw for $300 was. rejected in her checking account and. then she had an immediate uh pull from. her car payment fund you're what an. absolute joke you are. I You don't. exist. Shut the up. You went and got. some [ __ ] Butterscotch, Open AI, Chat GPT. Yeah, I really need that for. photography. Penny Cream Crearyy, American Eagle, Chick-fil-A, Mad Yolks, Coffee Roast, Lids, PayPal, PayPal, PayPal. Withdraw $500 was rejected.

Immediately had to come in from PayPal. Money pulled in. Then went out $50. Uh, Sacramento. airport shop. Van Luen, Ados's Hotel, Beyond the Butcher, Yo Gaba, Gaba, PayPal, PayPal, PayPal, PayPal, Chick-fil-A, Univision, Sacramento, Fair, I don't know. La La Land, Lyft, Lyft, Amazon, Pay Range, Chase. Oh,

looks like he went to a restaurant. All. that while she owes the IRS money. This. is unacceptable. Go take her car. Go. take her new car. Take her apartment. Take everything she owns. This is. unacceptable and unfair that the rest of. us go out there, we pay our taxes and we. do all this and she spends all her money. on bull while she sits there and refuses. to pay on taxes. It is disgusting and. unacceptable this society that we live. in. Off. You're a disgusting animal. [sighs] You're disgusting. And this. account went down from $822 to 680.

because you can't manage. This one. closed at 2,000. It shouldn't. This is. the manifest. You put the manifest. towards that payment off the IRS. You do. not get to move to a more expensive city. until you pay it off. 252 down from 400. on this performance savings. So, you're. a good joke. Savings account. Golden. savings. Uh $57 down from 117. We're. really really doing so well here. See, we have these different accounts. I. would keep things separate. It's quite. easy to do. You just have to set it up.

and it takes a little bit of time. Fidelity $2,399. just uh this is your traditional IRA. Okay. You're just in target date funds. It looks like those are pretty well yeah. mostly. Uh a little bit of S&P 500 like. brokerage investment. Okay. Whatever. Nothing too crazy. Nothing to freak out about. Okay. Pull the mic close again.

I had an a couple minutes where I didn't. have to hear from you, so I feel a. little rebounded, a little better. >> Okay, those checking accounts, why don't. you have multiple? >> Yeah. >> Why don't you separate your business and. personal then? >> Well, that's what I was trying to do. >> Where was the try? Cuz everything was a. mess across all credit cards and. business. So, and checking accounts. So, what do you mean you're trying? Again, this is you're doing that thing where I. give a kind of push back and you're. saying, "Well, I'm trying to." No, you're not. There was no indication of.

tell me what's actually happening and. why you're not doing it. >> I split all the money into different. accounts so that it wouldn't bounce. But. if it's like I just keep swiping is the. issue. >> Well, stop. >> I like things. >> I like things too. If I can't afford it, I don't do it. Crazy how that works. Have a little bit of discipline being. aing adult. Use the dollar wise app. See. where your money is going. I mean, I'll. tell you right now, it's pretty much.

miscellaneous bull alone is $4,000. Going out to eat was $1,500. >> I travel a lot. >> I know, but you can do it better and. more disciplined and more on a budget. You can. >> I like trying like the nicest. >> I know what you like. I don't give a. again what you like does not matter. >> If you want to retire at some point, if. you want to have security at some point, if you want to move to San Diego some. point, if you want to get a new car at. some point, those things need to. supersede your wants of the quick. swipes. Okay? Because what you're doing. is prioritizing your quick swipes over.

any and all of this right now. That is. what you are choosing to do. That is. what you prefer right now other than any. of those goals. You're going to need. more than $2,000 substantially to move. to San Diego. You're going to need like. first month, last month, security. deposit, all this bull. And then you're. going to have to do the moving cost. You're going to want new furniture. You're going to want a new car. This. manifest fund is going to need to be. like $20,000. >> So, should I put the San Diego fund to. the IRS? >> Yes. So, >> wow. You listened to something for the. first time. What is that? An hour and 24.

minutes and 32 seconds in. She listened. to something, actually processed, and. something positive came out the other. side. Huh. Who would have thought you. have a semblance of being able to. actually make that brain work? >> Serious question. So, how do I. >> should be this whole time? >> Cuz I have to move. >> cuz I can't keep taking advantage of the. apartment. >> Yeah, but you can move in Sacramento. We. looked at the median rents. You can you. can you do not have to do a year. No. >> Oh, you don't want to. >> My packages keep getting I don't give a.

about want. >> My packages keep getting stolen. >> Yeah. Welcome to California. You're. going to face that everywhere. >> No. >> California doesn't. prosecute criminals. Low crime. criminals. Like they just don't. >> Listen. And I there there's there's. abundance Democrats out there that want. to they want to start. But it is it is. >> Wait. Valid reason though. Here me out. Hear me out. I make more money in SoCal. That's. valid. So, I would travel less. >> Why? You say everything you do is.

travel. You don't do local. >> Yeah, cuz Sacramento doesn't have money. People don't spend money on photo shoots. in Sacramento. So, theoretically, I. >> What's double, though, from what we've. pulled. This is going to be. >> I make I would make double. >> I don't think so. Double. Double's hard. >> San Diego has money. >> But you're working every constantly. >> One of my cities is San Diego. >> Why does it have to be San Diego? Because if you are a big flyer, it's not. like the one of the biggest airports in. the world. [sighs and gasps]. >> Well, >> you live in Sacramento. But. >> I mean, I looked at other cities, but.

San Diego seems fun cuz it's by the. beach and it's. >> There it is. That's it. Come on. Let's. be honest. That's it. >> It's closer to my sister. >> Good. That's still a wand. I'm sorry. I'm not saying you can't do it. I'm. saying give it a year. >> We'll think about it. >> Okay. But if I just move to Isn't it. just like removing to another place if. I'm going to move? be moving expenses. You need first month, last month still. and rent is more expensive there. So. that gets harder. >> versus just like moving in Sacramento. >> Yes. Because rent is cheaper. So first. month, last month and security deposit. would be less. Please, please tell me.

you understand that. >> I do. >> That is not a difficult thing. >> I do. >> to comprehend. >> I do, but I'm going to make more. >> Listen, the thing is maybe that's true. I don't think you're able to prove that. though cuz you still don't even know. your numbers. You don't know what your. business costs. You don't understand. anything. I can't take that as I You. have no credibility behind anything you. say for how your business will operate. in any area. You have no credibility. There might be more people willing to.

pay there locally than locally in. Sacramento, but that's all you got. You. can't tell me numbers. You can't tell me. frequency. You can't tell me what you'd. be saving. You can't tell me anything. cuz you don't know your numbers. And. we're not going to be able to get your. numbers. >> They're somewhere in here. Okay, travel. is 3,933. So, are we saying it's 4,000. hours of for to make 12, you have to. spend four on travel? That's travel. That's not food. That's literally just. >> I don't have to. >> Okay. >> So,

>> what can we bring it down from from. four? That's just travel. That's not. eating. That's just travel. What can you. bring it down from from four? >> Well, I could answer the question. >> I could get cheaper hotels. >> Okay. What do you think that saves? >> Probably a lot. >> 10% 2550. What are we talking? >> I don't know. Yeah, 20%. >> Okay. >> I don't always need rental cars. >> So, let's pretend of the four you spent. >> I didn't get a rental car here. >> It now becomes 3,200. >> Mhm. >> So, let's try to budget this in. If you.

make a $12,000 month, which is not Okay. What's the What's the What's the ratio. of uh that means times.77? That means uh sorry, seven. times seven7. So, five 57,000. Hold on. Hold on. See, this is how I. feel. Shh. >> Quiet. Okay. If you make 10 and you spend.

traditionally 33% on travel, that would. be 3,300. But we can cut it by 20%. So, times.8. We can get your travel on an. average of a 10% month. And listen, I I. don't even know how to 100% accurate. this is because again, you don't know. your this isn't perfect, but we call. 10,000 as income. Uh let's do uh let's. see other large travel. We put that at. 2,640 cuz you cut back. And listen, okay, I'm going to do 300 for.

let's grocery. It's going to be more. expensive because you're traveling a. lot, but let's cap your food budgets. 700. Let's call that in the food. expense. You're still going. Go there. Shh. Go there. Go to grocery stores. Go. Go. I'm you. You. I'm going 500. Go. there. Go to grocery stores. You're not. going out to eat for a while while. you're traveling. >> The issue is I like grocery stores a. little too much. >> Okay. Well, you're going in with a. budget. You're deciding exactly what. you're doing. You're only spending 500. If you tell me tell me you Yes,

>> it would be 300, but I'm going to give. you a little leniency for the travel. >> I spend like 175 a week. Say, >> okay, >> this is your budget. You can do it. You've proven it. Follow the meal plan. Follow that. Tell me you can't do it and. I will rip this up and kick you the off. because I know you can do it. I know. what you want to do. THIS IS WHAT YOU. WILL DO. >> OKAY, we're on the same page now. >> [ __ ] you about 20 minutes to get on. the same page somehow. I don't know why. you I really don't you your listening. capabilities are so horrible. Minimum.

monthly debt payment $729.75. Okay. Business expenses outside of. travel. Now, what are we talking. equipment? How often do you have to do. this? >> I don't know. I probably spend like 200. a month. >> Okay. >> On all business extras outside of. travel. Is that what you're saying? 200? >> Yeah, sure. >> Including subscriptions. Let's call. subscriptions an extra 100. Okay. >> Yeah. >> Medical. Uh, what's your how are you.

doing health insurance? >> I'm not. >> Okay. Well, do I'm putting that in at. 400 bucks. >> I think I make too much to have health. insurance. >> Oh my goodness. You are actually. >> I'm sorry. Cover. >> Yes. For government subsidized, you. actual beast. You can go purchase health. insurance. They. >> Hey guys, if you make too much money, you die. >> at the hospital. You go just shop any. health insurance what you are looking.

for. Last for a second. I would need you. to listen. What you are looking for, you're not shopping through California. You are shopping through just health. insurance. Okay? You are looking for. catastrophic coverage. So, you don't go. bankrupt if something really bad. happens. So, 400 bucks I'm putting in. there. >> They quoted me 697. >> I'm saying for catastrophic. You were. You're not looking around, hole. >> TP fund $100. Anything else you need? Gas. Broom. Drive. Drive. Not that much, right? >> No, I don't.

Okay. Well, 50 bucks. 100 bucks. >> Yeah. 100 bucks. >> Okay. 100 bucks. What's your car. insurance? >> Oh, 295 maybe. I don't know. >> Okay. >> Something like that. >> What's your rent? It's going to be. ending in February. But for now, >> I don't know what the paper say. What. does the paper say? >> Dude, you [ __ ] You don't know. youring rent. >> I just write a check and hope it works. >> Okay. All right. I'm done. Let's go to the post show, ladies and gentlemen. that this is.

absolutely what a pathetic what a. pathetic experience. >> Shut up. What a pathetic person. We're. moving on to the post show. I I have to. do another 20 minutes just like every. other episode, but we'll continue the. conversation there. I'm done with this. and I need a break and I hope you guys. understand that and respect it cuz this. ising horrible and you are horrible and. I don't know how you exist and how. people deal with you. Click that join. button. Get three premium shows every. single day, Monday through Friday. a lot. of extra financial, a lot of stuff like. an extra 20 minutes of this show. [sighs and gasps]. You were smart enough to start a.

business and then it all up. >> We're working on it. Do you. >> I lost it. >> It's behind you. >> There is something wrong with you. >> I don't get a budget. >> I'm so done. I am so [clears throat]. done, guys. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.