Togi Is Worth -$10,000,000 | Financial Audit

I thought you lived in Miami. That's. what I was told. >> No, we lost that house. Foreclosure? Gambling. >> [music]. >> It's not about the numbers, it's about. the vibes. I'm trying to explain to you. how important the vibes are. >> I want to make sure you can take care of. yourself for the rest of your life. >> I can take care of myself because I'm. Togi. You've been wired your whole life. to I have to save excessively so that. >> foreclosure notices on your house? I don't even know what that is.

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description below. What up? It's Togi here, Shane Stover. I'm 23 years old and I live in Austin, Texas and we're on the financial audit. I go into every episode blind with. guests, but you're actually known, but. I'm going to be honest, this is still. blind for me. I literally have never. seen a single Togi video. I I I don't know what the we're. talking about. I haven't looked at your. documents. I don't know what the is. going on, but I heard you're kind.

It's No, no, no. It's. um. I would say like you Would you go to. college? I dropped out. But I did go to college. >> are you now? 30. 31. So, that was like. 10 years ago. Uh-huh. >> It's you had like the frat bros, whatever you go out to the party and. they're just like. It's very normal. Like my life is. exactly like every dude's in a frat, but. you know, and now I do like YouTube and. make a little more money, but it's. pretty standard. Like you can imagine. kind of what everything is like. So, is. YouTube all you do right now? Uh no.

Well, yes. It depends on like I do. YouTube streaming, Snapchat. Oh, you. stream, too? Snapchat's good money. We learned that. It kind of fell off. It's not great anymore. >> Dude, we still get pretty chunky checks. from from Snapchat. Um okay. What do you. make? Do you know how much you make? No. idea how much I make, but I sent you. sent Okay, this is funny. The first time. I ever looked at like how much I make. was when you guys asked how much does he. make and I said the same thing. >> Really? It was um over the last year we. did.

What was it? 1.9 million a quarter for. the last five quarters. Me, okay. That's. obviously really good. Who's we? Oh, me. Oh. >> [laughter]. >> Okay. Well, how many people do you have. working for you? Um so, we have. 30 clippers. 30 clippers? that get paid very well. Some of them like 20,000 a month on good. months. But like intimate employees, I. got the manager, the manager's assistant, the manager's.

partner's assistant, maybe seven. >> assistant. Okay. Eight. I don't know. Eight people work. for me. >> do these people cost on a monthly basis? Um. That Well, that's the manager's thing. I. don't know. I would. I would guess I would guess he maybe. takes me. um Who was the Who was the little twink. that you sent to get. >> [laughter]. >> You got to be nice to Edward, bro. He's. the man. Okay. Is that your manager? He's No, he's the assistant's assistant. So, but be nice, bro. He just started. Check it out. He just started. He was. working for his mom whatever like.

cleaning floors now and now he's got. like a Rolex and he like does all the. Yeah, I gave it to him. >> Why is an assistant's assistant getting. a Rolex? What Why would he not? He's. awesome. He's a nice kid, bro. >> in the budget? I mean, he might be a. nice kid. >> Um. I value like my relationships and. connections and like if you are loyal. and a nice person, I don't really care. about the budget. Like I'll go over. budget just to like, you know, go to But. the Rolex is in budget. >> Yes, but it's not a horrible thing. But. either way, the Rolex is very cheap. Like it was like $10,000. Huh?

Um I forget what we're talking about. before that, but I think the employees I. would guess maybe 250,000 a month for. all of them. Oh, for sake. Okay, $250,000 a month and you make 1.9 a. quarter. So, you're immediately. You're almost at like 50% margin, but. that's just before any video production. costs. That's just teammates. Is that. including clippers? Yeah, that's. including clippers. 700. I would say. um 120,000. is to clippers. 120,000 to clippers? Well, what does.

that return you? Do you know? No, dude. Okay. This is what How much. >> pay for the clip and you don't know. where it goes? >> Yeah, yeah, but how much does anything. How much does that camera return you? Who knows? How much does that light. return you? >> But okay, how did you quantify that that. makes you millions of dollars that you. got a better angle of what That's what. is filmed right here. It's like, dude, you can't quantify It's kind of like my. whole life it's kind of been like. if the vibes seem right, go for it. And. then it's like, dude, what the do. you need such a big office for? Because. of vibes, bro. You like the vibes.

>> I got this office for the viewers your. office. It's certainly large. You don't need it. other than We need it. >> for vibes. No, it's I've been here two. times. It's empty. Oh, >> It's empty under renovations. But wait, wait, wait, wait. You can't. You can't lie to me and. say like there's not a part of where you. get to walk in and you're like, that's. my and it makes you perform better. cuz it's like But you can't quantify how. much it returns. It's just like I'm the. man. This is my This is my office. That's about the money and but.

recruiting. We did it for recruiting. What What What do you mean? We got a. good office so good people come here. They see the job interviews when they. job interview here. They like the space. They want to be here. It's culture. That's I would work here. >> This is a beautiful. office. If I ever. >> people in here. It's not empty. If I. ever. go broke, would you give me a job? Mm. I don't know yet. Again. >> end, you can tell me no. >> Yeah, I'll I'll tell you at the end. Again, the only thing I know about you. is you're kind of then What? This is.

like a crazy stray off the bat. No, that's just what I've heard. I don't. know. Yeah, yeah, yeah. Okay. Okay. Continue. I I don't know and uh. and you give your assistant's assistant. Rolexes. Here Here he is. He's the Zen. collector. He's the man, Edward. So, if. he didn't get those Zens from the car in. a certain amount of time, would he lose. his Rolex? No, he'd lose his job. But. >> What do you make? $1,000 a month. That's not true. Is that true? We just. gave him a pay cut. What do you make?

$1,000 a month. No, you don't. You can't. pay your bills on $1,000 a month. >> Oh, oh, I pay they every All my. employees live for free, eat for free. >> contractor? I don't know what that. means. Is he W-2? Is he a full-time. employee? Cuz there's like federal law. full-time you you probably have to pay. him $42,000 a year minimum or else. you're going to be in breach of some. kind of federal regulation. >> [laughter]. >> All right, Edward, you got to go to. them, bro, cuz I'm not paying you a 42. No, the point is. >> Well, I was trying to get you a raise, not fired. I'm sorry. Um. I don't know. That's a good point. So,

maybe he's under minimum wage. But so, what happened was. >> Under minimum wage, okay. What What he. was getting paid 3,500 and then. we did employee evaluations and it got. cut, but that's not like a Who. evaluated? Me. But you don't know what's. happening. You told me the manager does. everything. >> Yeah, yeah, but I I the manager is like. sitting on the thing and I oversee like. every talk about it before and I oversee. all the stuff that's going on. But this one is an easy Not all. employees need an evaluation. It's You. only get an evaluation if you're getting. a raise, fired, or a pay cut.

>> So, how'd you evaluate him for a cut? Why did he deserve a cut? Because the. the grand thing scheme of it was the. work was half-assed, not enough urgency. >> an assistant's assistant. What is he. supposed to be assisting? >> Look at bro, but everything Would you. want Like you work at the highest level. ever. Like I saw your YouTube jacket. You're. all the way up here. If your coffee. Sure, it's not as important, but that. needs to be on your level because. everything you do is extreme. So, that's. the same with all my operations is it. has to be the best. >> No, I did just spend 20,000 hours on a.

coffee thing that gets you tomorrow. That is true. That is true. Oh, word. Okay. No, I mean, fair No, no, no. I. mean, I would evaluate, too, and I would. probably fire him if he was being bad, but I wouldn't pay someone an illegal. wage. There's. I [laughter] didn't know it was illegal. I'm learning this now. So, thank you. >> Probably. I mean, I don't know how it's. structured. >> end of the year, I'll make sure he makes. 42,000 and the point is you have to if. he performs. Yeah, yeah, but I. appreciate. um. like good company and loyalty and. somebody that's passionate about it. So, he has all those things,

just bad at the actual task. >> How do you quantify the loyalty? Just. the vibes. Dude, I feel like you spend. too much time quantifying like. everything. Sometimes the vibes is all. you got, bro. >> about. Hopefully his future. Yeah, yeah, but my own future is based. off of like the vibes of like the. overall So, you guys all live together. in Austin? Yeah, it's Austin. >> I thought you lived in Miami. That's. what I was told. No, we lost that house. Foreclosure? Gambling.

How do you gamble a house? Not actually. gamble a house. >> gambled it away. Like legally? You did not. >> Everyone That's what I said. Everyone's. like, oh, like I gambled away the house. I'm the one of the first people, if not. the first person, to quite literally. gamble my house away. And we did. This is not a joke at all. This happened. about a month ago. There's crew. >> There's no. everything. I did a coin flip with Steve. Will Do It and he put up $2 million and. I. >> and I put up the house. So, if I won, I. would have gotten free $2 million. >> Wait, wait, wait. $2 First of all, how.

would you even pay that? Cuz I I did at. least There's not $2 million here. Like. Oh, that I bought the house like a long, long time ago. >> Okay. What was the house worth? Well, I. have um. 600 or 700 down. and then it's a $1.9 million appraisal. and then the rest is uh Why do you speak. normal and then when it comes to the. word hundred, you like gain autism or. gain Down syndrome? Like how does that happen? It's only. [laughter] the word hundred. Whoa, wait. Wait, how do I say hundred?

>> Hunded. Hunded. Yeah, but every other. word you say right. >> here's the thing. It's like um who the. is Shakespeare. and why does he get to say whatever the. he wants? And now everyone. understands. You understood me. So, it's. like I could say ballsack, but if you. got the idea that he's saying hundred, we're probably on the same page. It. doesn't matter, right? >> no. I got you. I'm just wondering why. it's the only word you don't say right. No, no, no. But the more we talk, you'll. probably cuz people make fun of me um. for a lot of things and how I talk. Which is interesting. I Okay. My.

vocabulary is below average. So, I think. that's why sometimes like there's a. phrase that's very common like Dirk um. or Schmerk. Like that will be like. brought in vocabulary and there's a. meaning. What does a Dirk or Schmerk. What are we talking about? Okay, but the problem is. >> [laughter]. >> it you'll always understand what I'm. saying. I don't I don't know what the. Dirk or Schmerk [laughter] means. Okay, moving on. Moving on. I don't know. if I said a slur. I came here to learn. about my finances not be uh what's the. word? Ridiculed about my language. Well, I'm trying to get to know you. I'm.

trying to cuz you couldn't tell me how. much you. Well, I mean you kind of told me how. much you make. You were told it was 1.9. a quarter last year. Are we on the. upswing? No, no, no. In the last five. quarters on average 1.9 a quarter. We. are on the upswing a lot. I have an idea. of how much I get paid, but a lot of it. So, one of my deals is I get money to. gamble and that's through. cryptocurrency. >> Oh. So, they give me crypto to gamble. and sometimes I lose that. Sometimes I. win that. And a lot of the times like. this chain I bought. >> What's a stake?

I don't know that one. Okay. Okay. Yeah, and so like this chain I bought in. crypto. So, it's like that. never even went. >> 50,000. >> And then the these two were like a. hundred something. So, maybe like a. hundred seventy. >> The chain was a hundred something? We. should wedding ring on each rock, bro. Why? Cuz then it's like I got a wedding. ring on each. >> listen. We're We're We're We're. obviously bleeping this, but what's the. address of the house you lost so I can. look it up? Uh. let me check. >> You don't know where you lived? Yeah, I.

never went there. We bought the house. I. stayed there for like five days. Where. did you live? Um where were we at that. time? We were in LA. Were you in Austin? Um why? Uh-huh. Oh, here's the address. Okay. Yeah, why were you in Austin? Um it was. the cheapest thing. Like for the I. wanted a big house that I could work in. like have a big office and a lot of. space. I couldn't afford Miami. I. couldn't afford LA. So, we're just like,

"We'll go to Austin." Me. If you lost. the house, if you lost the house, how. did you get a place here? Well, so I had two houses. That I owned. two houses. This one and that one. >> price? Price for that? For the one you. lost. >> it got appraised for a hundred thousand. less. But what was the total? I believe. 1.95, I think. So, maybe it got appraised 1.85. um and then we coin flipped at 1.9. I. don't know. >> like. I don't know if you get caught up in a.

drama or if you just like stop being. creative somehow and you don't have. anything, you just lost two million. dollars. How are you surviving the rest. of your life? You just lost two million. dollars. Well, bro, what do you mean if I stop being. creative somehow? Like You don't know. what happens. Maybe the audience moves. on. What's your demographics? Well, I don't even know what Well, my my. high school brother knows you, so. they're probably kids. Oh, yeah, yeah. Whatever. Like I would imagine young. men. But either way, the point is that. I've invested so much um into me as a.

person, I can always I will always be. able to do. >> What have you invested into you as a. person? Look at me, bro. It's like a. bigger muscles, uh you know, receding hairline, things. that nature. But I'm always able. >> I'm very confident. Yeah, it's horrible. >> Dude, finasteride. What's going on? Uh. I'm scared of it. I don't my hormones. But either way, so this is the point. I'm so confident that even if I were to. not be doing social media, I would cook. up another scheme and make money another. way. There's no point in my life scheme.

Scheme. You never heard of scheme? Yeah, is it going to be scammy though? I You. know what's funny? >> Scammy is coming? Before I I I It's easy. to like talk down on people, right? Like, "Oh, that guy's just is a a. scammer or whatever." Before I got. famous, I wanted to be rich so bad that I was in. the college in the frat. And one of the. schemes was a literal scam. We were. trying to This was before pump fun. I. was like actually going in and coding my. own meme coins trying to rug pull people. and it cost about a thousand dollars. >> What the. >> in making it and liquidity and.

everything. Either way, I had like. twenty thousand dollars to my name at. the time. I was so bad I couldn't get anybody to. buy my scam. So, I ended up losing like. twenty thousand dollars trying to scam. people. So, I'm not even good at it, but. you know. >> to scam people though? At the time when. I was eighteen, I needed to be. successful so bad that like ethics Now, of course, we've learned that there's. like I've grown as a person. So, but. back then I can admit, bro. When you're eighteen, you're effectively. you know. So, now it's like I would. never scam somebody cuz I know I can do. it the right way. Okay, what about the.

gambling? You gamble on camera. You. think that's moral? Mhm. Sorry to say. I. mean morals are subjective. Okay, let. put it this way. What's the downside to. gambling in your mind? Losing your money? But. lose your money? No, it it it but you're. paying for an experience. Who get a. massage or something, dude? What if I. want to gamble, bro? It's like the. gambling has given me the most wonderful. experiences and I've met the my best. friends, the best memories in my whole. life are through gambling not because.

One of your best friends just took a two. million dollar house from you. Yeah, and. you know what's nice? He gave me a seven. hundred thousand dollar car. Oh, what a. king. Bro, that's such a nice gesture. that he won two million dollars. He. didn't have to give me He risked. his own two million for that. He won a. bet fair and square and he said, "You. know what? I feel bad. Here's a seven. hundred thousand dollar Lamborghini." I. didn't need the Lamborghini at the time. and but it's still a nice like gesture. But the point being is that the best. experiences It's like an expensive. membership to a country club. And also.

in some cases the country club pays you. You land in Vegas, Vegas will get you a. private jet, the nicest room. You get a. massage at the table, a bunch of. whatever you want, anything and. everything. So, it's an incredible. experience. >> without gambling. You have the money to. do it, it sounds like. I mean I I don't. know. um how to explain this, but the viewers will understand. It's. fun. Like it's an activity that is just. fun. There's no immoral. >> not fun, but just saying what's immoral. about it. There are issues. So, do you. think like.

uh drinking alcohol on camera would be. immoral? Potentially. Yeah, so this is. the exact same with gambling. Potentially. If it was endlessly binge. drinking on camera and trying to get. your audience to endlessly drink, especially if you have a young audience. like you do with crypto. >> Is there anything When you see Doggy. blacked out gamble for eighteen hours. and at the end of it? Cuz I've done. everything, right? I've done the good. and the bad of every drug, everything, you know, the. >> I done a lot of What Why? What the. Why?

Because you I don't know. I just wanted. to try it. It's not like you did a lot. Yeah. Okay. That's a good point. But. either way, now it's like to to. understand an experience, you got to. like go all the way into it. >> No, he he he's a. straight as an arrow. Good. Either. [laughter] way a thousand dollars a. month. You should give you your. employees You don't You could You could. save costs, bro. You fire twenty of. them, ten of them are men. They're all. Yeah, it's the same thing, right? Listen, if if you're so. moral now, why did you just start a.

supplement company and immediately. gamble two hundred fifty thousand. dollars of it without telling your. business partners that you lost it? Is. that moral? So, like that's their money. and that's their business. >> bro. But you got to understand if you're. a dialysis. What's the word? Uh. analyzing everything um through your. lens, each relationship is unique, right? So, me and my friend, it's like. what's mine is his and what's his is. mine. Doesn't really matter. It It was. for. >> to that. No, but the point is that he.

could do something like that. If he did. it, I'd be like, "You know what? He was. trying to do something for us and he. believed in it.". >> something. But you can't What did you. gamble on? We had the Patriots to win. the Super Bowl and we lost. Bro, but. that's not the point. The point is if he. took one of my cars, sold it because he. had a crazy luck, I would be like, "That's okay because he was trying to do. something better for us." And that's. what friendship is about. There's no. amount There's no amount of. money. >> Friendship? Selling your own car? cut my. friendship. I could go dead broke, but. at least I have my friends. And this is.

the problem with all the mother that are. like giga rich. It's like people say, "Oh, you should be an average of or. you're an average of the five people you. hang out with. Get rid of your loser. friends." I think that's I. think like loyalty, memory, real love is. way more valuable than money. So, if I. If one of my best friends somehow lost. all of my money, all my friends got all. access to my money because I trust them. and we're all like like this. And that. is more special to me than being in a. penthouse in Miami or whatever it might.

be. >> need to be living like a crazy bougie. life. I would just want to make sure. you're taken care of. Listen, you're. right. There is no more important things. than love, friendship, all that stuff. But real friendship, real love isn't. using the other people's assets to try. to benefit themselves. No, it's to. benefit us. Us? Us? Is that I just feel. like that's what you're telling. yourself. Well, he would have gotten. half the money if we won. And either. way, the point is that right. >> using your assets to do it. >> but you can't tell me that. Say Say Listen. Say I'm wrong 20% of the time.

or whatever percentage it was be or. might be. Every decision in my life. leading up to now has made me very. successful. >> Hold on. What How do you quantitate. success? Cuz your net worth as far as I. see on paper isn't anything substantial. I'll be completely honest. >> That I get to do whatever I want. I'm on. you time. I get to do. >> For now. I want whenever I want for now, but it is now. Now I. >> Until your audience ages out. >> And I've always been on my own time, do. whatever I want. Me and my friends do.

whatever we want. We're going to Cabo. next week. We rented out 20 rooms for. just for fun because we do whatever we. want and that is my idea of success is. that no one tells me what to do at any. point because I'm just We're all bro. We're all just floating on this water, bro. >> either. No one tells me what to do. either, but I'm at least set up for. success. And if I get married, if I have kids, I'm taking care of them. I'm making sure. the people around me, my employees, are. taken care of. If I have a down month, down year, I know we can sustain.

ourselves. >> Yeah, okay. So it's sure your. >> If you lose it all. >> My employees are happier than your. employees because I just bought him a. Rolex because I was in a good mood or. whatever. >> a month. >> Because I changed his life just being. Listen. Listen. You got to understand. this. How much you you care about your. employees just a dollar amount. You say, "Here's what you get is dollars." I care. about my employees as. >> health insurance? >> as people, bro. >> health insurance? >> See So he now that's more dollars you're. giving them. I sit down with them. I sit. with them.

No, no, I If If you went to the. hospital, I'd sell my car to make sure. that his If his mom went to the. hospital, >> BEFORE. >> HOUSE, BUT THAT'S THE BET. You have to. bet on me. You. They're betting on you, but the problem. with betting on you is they will never. have the love that I give them because. you're sitting there, "Oh, sorry, it. doesn't work with the accounting team.". I'm like a person running off emotions. If his mother was in the hospital, I'd. sell my house in a heartbeat even though. he ONLY MAKES $1,000. >> LOST [screaming] IT, DUMB ASS. >> ANOTHER [laughter] HOUSE RIGHT THERE, DUDE. >> YOU LOSE IT. I TELL YOU. TAKE CARE of them.

>> You got to understand. Twink? You got to. understand. The way I've set it up is that sure I. spend crazy. If it ever hit the fan, I bring in a million a month. easy. >> For now. It's not easy. >> bringing in a million a month. >> a quarter is not a million a month. Well, okay. Now we're at a million a. month, right? You can look at the Oh, I. guess I didn't send you the bank. statements, but you can see. I mean, I got statements. >> I can't I can't. >> them, but. I can't leak contracts. Mhm. Let me see. your YouTube studio. We're not going to.

show it on screen, but I need to see it. I want to see your demographics. I want. to see what earnings are going there. There's no. No monetization. You can show it on camera. >> Why is Why are you not monetized? Because it's not It's not very much. money. 20,000 a month. Well, 20,000 a. month gets him $10,000 a month and. another other employee $10,000 a month. And health care is caring about your. employees. >> No, it's putting a dollar value on how. much their health is worth. Okay, say. >> My his health is worth my entire net. worth. No, your net worth isn't that.

much. If he got cancer, YOU. >> I'M NOT WORTH WHAT HE COVER. IF I needed. If I needed to, I could work harder, spend less, and make a 1.5 a month, two. a month, and then pay it off whatever. Just cuz I spend 300 racks on private. jets doesn't mean I can't stop because. something else comes up. >> That's the thing. I don't know if you. could. You might gamble it. You might. lose it. I don't think you could say I. could spend less. >> know, but I know because I know above. any addiction that I have, I care about. people above all else, right? So Says. every addict. Says every addict, but I.

can stand on that business cuz I have. spent millions of dollars. I've. sacrificed millions and millions tens of. millions of dollars. For example, the. Evar thing. My best friend owns half of. it. No, no, listen. Listen. My best. friend owns half of it, right? >> what? The business, Evar, right? So he. >> your business? Yeah, yeah, 50 50. Evar. is your business? >> Yeah, yeah, I own 100 50% of it. I own. 50%. You own 100% of 50%? >> No, no, no. You get what I'm saying. See, we're back to the semantics. You. You keep going back to the semantics.

trying to distract me from my point. The. point is. he is. um. He He I gave him a big opportunity and. gave up on big investors. I had other. people that could build me better. infrastructure, but I wanted to build a. business with my friends, you know what. I mean? So that's why I sacrificed. building my business exponentially. scaling it to give it to him. Exponentially scaling it. Okay, fine. What's it worth? What's it valued at if. you were to sell it today? I don't know. >> Can you answer that? Listen, you don't have what people would.

say is necessarily a sustainable. audience. New viewers is 24%. Your. demographics are young. They move on. easier. You want that established like. that That That 25 to 44 crowd, they. stick around. You have a decent chunk of. the 25 to 34, but your second biggest. chunk by far is 18 to 24. It's not about. YouTube. It's about me. Everything I do, Okay. >> to win at it. So it doesn't matter if. it's YouTube. I could go over and become. Mr. Olympia. I could be the best. bodybuilder in the world. I could go to. the moon if I wanted to, and then I'm. going to get rich, you know what I mean? >> Objectively, no. How are you going to.

the moon? Factually, I could. And you You can't. >> Define that. >> how because I could. >> Yes, it is. If you say you can't, >> on Mars. I can do anything and I will do. everything, and you'll never understand. that. I couldn't explain to you that I. could be the president. I could be in. the NBA if I wanted to in. 5 years. And that's just how I operate. with everything. And it's like, "Dude, all right.". >> You suck with money, so you download a. budgeting app. You start with the. classic one, YNAB, but everyone just. deletes it because it's way too.

complicated to use. So you go to. EveryDollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money, but you got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. And there's the new guy. on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far, but private equity. doesn't have the best track record when. it comes to private data. That's why I. like Dollarwise. They'll play these.

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3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Chime. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. DUDE, BECAUSE YOU. struck success once does not mean you're. going to be an Olympian. This is not how. this works, man. Okay, listen. Listen. It's not about how Okay, if we want to. talk about striking success multiple. times, I was a millionaire when I was 19. Then.

I went broke. And then I made like a few. hundred thousand dollars on my pursuit. It was like maybe half a million dollars. on my pursuit to like YouTube. Failed. again. So it's like how do you quantify. success if it's just money at different. times? I don't even think you're a. millionaire now. The savings I have here. is $391,000 total. >> Oh, yeah, dude. But I have $800,000 in. Bay Holdings. Uh-huh. 300,000 in Pepe. But now Okay, I don't know. how you quantify what a millionaire is. You have a million dollars net worth.

>> liability. Your liability, as far as I see here, is. $100,000, but you say there's another. house. Do you have loans on that? Yeah, yeah. Did we not tell you send you the. other house? No. 800,000 in equity and. >> Who's we? Who pulled your statements? Gerd. Okay, that's that's the guy. The guy that runs. >> Yeah. Gerd. Yeah. Either way, the point is. um. Okay, am I a millionaire? Maybe. Probably. Maybe with the house. I don't. know what the Well, I mean, I have like. what? My car collection is like two and.

a half million. Any leverage on those? I mean, I have a. $100,000 car loan, I think, right? >> 56,000 on the Huracan. Okay. You You. showed up with like a. What was it? A Rolls-Royce the other day. when you filmed Ice Coffee Hour? Yeah. You own that? I own every car. Right out or is there cash? >> What's right out? Cash? >> No, no loan. No loan on it. Okay, well, they are Cars in general are. depreciating assets. In that league, Wait, wait, wait, wait. We're just. talking You were just like, "Oh, is he a. millionaire?" Well, I don't know. He has. $700,000.

$500,000 $300,000 Rolls. That's a million dollars right there. That's pretty close, but your. liabilities We have to take into account. that. I don't know what your liabilities. are cuz you couldn't send everything. >> I don't know what they are. It's. a house loan. And then I owe my home. with 30 racks. What? You own two homes? Still now? No, no, no. Just this home. 800,000 equity. And then something 30. racks? What is 30 racks? I just owe a. friend that. It was like a gambling. >> You owe a friend 30 Okay. For like degenerates, what is a What is. a What is a rack? Oh, thousand.

>> [laughter]. >> Okay. Why do you owe him 30? Oh, I don't know. I was about. It moved Are you not afraid of. retirement? Cuz that's what I'm afraid. of. I'm going into this conversation. thinking about how do we get you to the. point of any kind of stability. If. anything were to happen, you'd be fine. That's my big conversation I'm trying to. have with you. >> Okay. Well, the the thing is um. I don't want to retire. at any point. Cuz what do you do? No, no, no. It's a sense of security if. something goes to It gives you a. chance to build back up. >> that.

If anything like st Okay, what In your. head, like what is like going to. mean? Lose all your income. Income zero. How would that happen? >> It happens to people all the time. Businesses go under every single day. Billionaires go to zero. This happens. And you're not special in that regard. >> Are you kidding me? I. >> In that regard, compared to people who. built billion dollar businesses, no. >> Those were And you're telling me they. just lost their billion dollar business, income zero, and then they die? >> Yes, you never know what like. >> That does not happen. And A and B, it. would never happen to me. You cannot.

speak that into existence because that. would never happen to me. >> it doesn't happen to you. out of your. mouth is like you putting this into the. world, an idea that would never happen. That's like me sitting here like saying. like, "I hope It's happened to people, but it would never in a million years. happen to me because, dude, you have to. understand who you're talking to, the. man that can go to the moon. I live on. Mars. Nothing I could lose it all and. make it back. And dude, it's also like. bro, I have such This is the difference, right, between like you and I. I care so much for people that I'll go.

broke for a person. >> I don't. >> I Well, no, but you you put a monetary. value. >> So they can live their lives. independently. health insurance and. you're gone, whatever. I'm sorry. You're. mom's cancer doesn't fit our statements. No. First of all, first of all, listen, if you do have assets, I say $2 million. If someone gets an aggressive form of. cancer and they need extensive treatment. that costs might may cost millions, something you can't cover by liquidating. everything. Number two, >> million dollars a month, I'll cover it. in 3 months, no problem. You have to. understand this. You don't understand.

You don't understand that karma is a. very real thing. I think because I have. so charitable that I always have the. universe working for me. It's not about. the numbers, it's about the vibes. I'm. trying to explain to you how important. the vibes are. Uh-huh. >> And it's like you got everything got to. be on a spreadsheet for you. No, it's. And number two, >> The vibes are very important. >> if he leaves for whatever reason, either. forcefully or he leaves on his own, you.

don't take care of any and him anymore. But if he was making enough, he could. set aside money. >> friend employee aside, he's my friend. for life now. >> now. Not everyone's friends forever. It. happens. No, under that circumstance. >> lost a friend in your life? I I've never lost a friend. >> Not once? I have about seven friends. >> out. Ever? Never. I have seven friends. and I would die for every single one of. them. 23. Well, that's why. I mean, dude, you just don't have life yet. >> you can't say You can't say something's.

going to happen to me because I've not. lived enough. >> just happens. >> having this Okay, sure it happens to. other people, but it's going to happen. to you just cuz you don't understand. You You're talking to me like I don't. understand my own friendship and you're. trying to again put this numerical. value, this statistic on my friendship, on my love lives. That's never going to. happen to me. Toge, you're not. listening. I'm listening and you're. telling me because it happens to. everybody else, it's going to happen to. you. >> I'm not saying it's going to happen to. you. I'm saying because it is so common, there is a decent chance. That's what I.

just said. >> And if it does, they're. cuz No, no, but here's the thing. Here's. the Here's the thing. Here's the thing. If a friendship somehow were to fizzle. out. >> Uh-huh. because of the many many many. years of me getting to know that person, building connection, love doesn't just. evaporate. If I love somebody and we had. a falling out and something happened, I. would still send them a million dollars. and I can say that with 100% confidence. >> Okay, what if you died at 35 cuz you. stepped in the street, got hit by a. truck, and they're 60 trying to survive? >> give every one of my friends the best.

opportunity. Right now we're teaching. Edward how to work hard. We're teaching. We're giving half of my business to. I work I Every single people person in. my circle, I don't just give them, you. know, money so that they can save up and. make their little 100,000. I give them. the opportunity to become something. incredible. in their mind. Like they. >> Edward learned being around you who lost. his house gambling? >> Dude, just me sitting here on this podcast.

talking to you is something that like he. was never exposed to before. This world, it's like now he's in the room with you. What did you. learn from this, Edward? >> to learn something at the end of it. because he's in a room with a goated. finance goated YouTuber. Look at this. He's sitting in the room with one of the. goats. You're telling me that's not. valuable? If you were sitting in a room. with Jay-Z, you're going to say, you. know, what did I learn really from that? Yeah, but you're like the only. influencer to even come on the show. He. would come here as a normal person. We. film with three normal people. regardless. Like. >> That's not stripping of the value. Yeah, but he could have come here.

regardless. Like I'm saying he's here. with you now. Yesterday he was hanging. out with SteveWillDoIt, one of the. biggest YouTubers in the world. And the. day before that he's with the Trend. Twins, two of the best powerlifters in. the world. And the day before that. he's with Year 8 Production. He gets to. be learning in these circles and then we. do like whatever. reflection of everything, understanding. what's going on. >> led to a pay cut. Yes, that's how it. works, bro. If I kept blowing smoke up. his ass, "Oh, good job, good job." Then. he's going to keep thinking he's doing. incredible. But by saying, "Okay, this.

is the reality. I'm not going to fire. you. Your pay cut has Your pay has been. cut to effectively zero.". Now, it's a wake-up call. >> We'll bring him in in the post show and. we'll let him speak his truth. Yeah, yeah. Okay, listen, man. So I am about to go. over these finances cuz we do need to. get in this, but I I think I at least. understand where you're coming from a. little more now cuz I again, That was. the getting to know segment? >> Yes. >> All right, let's dive into the. >> I don't know your perspectives. I don't. even know how you view things, but now I. kind of do. I didn't really understand. it in general. But how frequently are.

you gambling? How frequently? Like how. frequently are you gambling large sums. of money from your million that comes in. a month? Oh. Which is not a million in. profit, by the way. We do not know what. your overhead is. You know your labor. costs potentially. Yeah, we the overhead. is uh. uh fluctuating. But so the. the net income per month. to the bank account is 700,000, right? As we've seen. I was just told it was a. million. No, no, and then I make uh. 300 plus through other schemes that.

might never like the gambling and stuff. >> oh, so that's if it happens? No, no, no. There's like deals in place that. guarantee. But that's So that's my um gambling. budget. Okay, what did you What did you. pay for this. uh underperforming video that you. uploaded 6 hours ago? >> [laughter]. >> Um I thought it performed very well. Can I see? >> Yeah, yeah. And I'm I'm just assuming not.

I mean, I'm I'm. It's performing Well, you can look at. it. >> Yeah, what's its rank? >> Four out of 10. Oh, okay. It seemed like. it was on the lower. So what did that. cost for 53 minutes, 18 cents of. non-monetized content? 900,000. Okay. >> Actually, a million. A million probably, too. >> Okay. And you make a video a month? Yeah. And if a million's coming in, I. mean, that's a million out plus more. But it was So you have to understand. this. You I feel like you are lacking in. life um. epic experiences and you have a lot of.

money. That video is going to make. whatever However many people laugh, but. I get to cherish those memories forever. And that video, it's like having a cool. car. So it's like you spent a million on. a cool car. That's the same for the. video. I got to spend whatever and it's. going to do. a few million views. Will it ROI? Probably not. But that's the pursuit. Listen, listen, the pursuit of better is. shooting shots and it might not work. I. took the risk. 900,000, I took the risk. Will it ROI? I will find out. And if it.

doesn't, that's okay because now I know. I tried. I never have to ask, "What if I. tried to do a high production video? What if I tried to do something that was. way out of my league, but I'm trying to. get there?" Maybe it doesn't ROI, but I. tried and now I know. So you're judging. me on my failures Yeah. aggressively. Uh-huh. You should be I applaud people. for their failures. So that's why if I. was working for you, I'd be freaking the. out cuz it's like, "Oh, dude, he's. going to I mess this one thing up." If. somebody on my team tries to do.

something like that's a little outside. of the box, >> Yeah. great. If it doesn't work, that's great. We're outside of the box. That's where I. live. It's ours. You're sitting here. with this cookie-cutter everything's got. to ROI. That makes everything less fun. >> payroll to hit, man. People deserve to. actually be paid adequate amount of. money. So I have to make choices and. yes, be cookie-cutter so that people. actually are able to pay for their rent. cuz they don't live with me cuz we're. not in some kind of cult.

Not None of that is relatable to me at. all. Like you're It's to be It's to be. like, "All my friends were buying it. Also, the next thing we're saving up for. is a property.". We're not renting it out to anybody. It's just for friends to live in. >> Till you lose it. So this living life. experiences versus saving. The fact is I. double down Because of what I've done. and put actually money aside, I can live. any life experience I want to now for. the rest of my life. Yeah, but it's not. It's Listen, it's about how your brain. has been hardwired. You won't. It's the. same with the coffee hour guys. >> I'm going to keep working. No, they're. more extreme.

>> the same as the coffee hour guys cuz. they're like, "Oh, I only have to I only. can spend 4% of my money a year. whatever.". >> You. If they're more extreme, if you If. you're within a 20x range of them, you've been wired your whole life to I. have to save excessively. >> up with foreclosure notices on your. house? I don't even know what that is. Okay. Well, I did. That's why I was. hired that way. The threat of losing a. house growing up. >> I have lived in a closet before and it's. not that bad, dude. It's like chill.

It's not a big deal. I used to live in a. closet in a frat for free cuz I couldn't. afford it. Whatever. >> Dude, you lived in a frat. I mean, that's That's all it was. I mean, that's. come on. Everyone lives in weird. situations in a frat. >> That's what I'm saying is it's not that. bad to be effectively homeless. >> Okay, that [snorts] is not homeless. That is very different than losing a. family home and seeing your parents. struggle to pay a bill. >> So okay. >> You living in a frat? What the are. we talking about? >> okay. Okay. That's different. I mean, I wanted to rebuttal to. something that you said, but about how.

you're hardwired. >> No, it's not about that. to save. money and not enjoy life. >> With with your with your. 900 million or a million dollars that. you you spent. >> [sighs]. >> I don't know the return on investment. Like I don't know, man. I don't know. What are your goals? What do you want to. do? Enjoy this life. Okay, financial. goals. Oh. >> That goes into your enjoyment, but what. is it? >> I don't think about financial goals too. much because. there's other things that are more.

important to me. There are, but what. financial goals do you have even if. they're not top priority? >> Oh, got you. Um. None. I've never really been like I need. a goal, but that's why I'm here is. because it well mostly cuz my mom would. be happy if I had a goal. So maybe you. can help me make a goal, but the point. is that um. it's always been so low on my priority. that it's never even a goal doesn't get. established. Do you have a girlfriend? Mhm. Okay, how far are you guys in this. relationship? >> Mhm, dating her like 13 months. So, okay. You know, you taking it more.

serious? No, no, no. That they she knows. that we. are not getting married. >> You're not getting married. >> Yeah. >> Do you ever want to get married? Yeah, but. >> Potential kids? You have to understand I. don't know. It's very hard. >> know, but I want you to be able to take. care of them if you die. I mean, that's a big thing. What would your girlfriend do today if. you died? >> do you your kids need? Isn't it what if. you could spend a hundred thousand a. year on your kids? Is that's a pretty. good life? That would be a great life. Are you saying per kid? That would be.

incredible. >> Okay, okay, so let's establish a goal. right now. If I maxed out four kids For. a hundred thousand dollars each for the. rest of their. >> do fifty thousand each because when. there's multiple kids it's like cheaper. per kid, right? >> Uh-huh, and the wife probably as well, right? >> say I would like. >> [snorts]. >> to raise four kids to 18 years old. How much money do we need? >> Plus. the mother of the children I'm assuming, right? >> Plus the mother, sure. >> Call her fifty two hundred fifty. thousand dollars. Okay, if you know. you're you're trying to get to two. hundred fifty. two hundred fifty thousand dollars.

Yeah, I mean I'd be comfortable with. about fifteen million dollars sitting in. a. decently balanced. >> so much there's no way you need fifteen. million dollars for. >> to have to run out of money, you have to. do about a three percent withdrawal on a. yearly basis, absolutely. >> Oh, so so you're saying. fifteen million you take out three. percent every year and eventually it's. at zero when they're 18? >> No, it should never be at zero. That's. what we're trying to get it to. Oh, no, no, but that's what I'm saying is we. >> You want it to go down to zero? Well, that's what I'm saying is that's okay. I. don't need that's okay if I die broke.

and my kids don't have any money, but. they had a great upbringing, they. learned a lot. I would rather my kids. not have fifteen million dollars. >> Uh-huh. I would rather them have a good. upbringing the money's gone at the end. so that way But why were you telling. Edward on the way over here that you. wanted to have kids? Did do you I didn't. that was somebody was saying that I. don't want to have kids. He. he wants me to have a kid. >> He wants you to have a kid. >> The point is it's a whole thing. >> even take care of him. I can take care. of his kids. >> thing. He wants a kid so he wants me to. have a kid so he feels better about his. kid.

>> raise a kid on a thousand dollars a. month, Edward. How old is Edward? 22. Either way, so the point is I I don't. want kids, but surely that mentality. changes as I mature. But the point is. just tell me how much money so it's. zero. We're not talking about three. percent withdrawal rate. To get my four. kids to 18. how many dollars? Well, two hundred. fifty thousand dollars a year times. eighteen and then and then the mother of. them just has to survive off of nothing. for the rest of her life? >> No, no, sure give her a hundred fifty. million. Sure give the mother a hundred.

thousand dollars a year. For the rest of. her life forever? No, no, no, the. everybody is only surviving until the. kids are 18 and then as far as that goes. once you have kids that are 18 your life. is over. You might as well be. you know dead. Cuz that's like the ultimate. >> Lucky woman who gets to have your. children. >> [laughter]. >> Five point four million. >> Okay, five point four million. So how. much is that a year? Well, I don't know. How many how many. years to get to it? 18 years, dude. Divide five point four million dollars. by 18 years. Yes. Well, how much is that. a year? Enough to take care of them.

It's a hundred for her and fifty each. for per child. So how I don't I don't. know what we're talking about. How much. money is that a year? Three hundred thousand a year? That's. what you asked for, yeah. I don't see how I could ever not make. three hundred thousand dollars in a. year. No, I said if you're dead, dude. Oh, if I'm dead. If But then there's no. kids if I die, dude. Oh my goodness, it's after it's after the children. Oh, the children get born and then I die. >> It's after Yes, that happens in his. life. >> That No, no, no, no, no. Then the the. dynamic of the family changes. Yeah,

they'll be sad and poor. They'll be hard. working mother Have you ever heard of. David Goggins? Holy. one of the coolest badass. alive. No father life, no parents, they. all he got thrown on top and now he's. the goat. So it's like bro, the dynamic. changes. God has a plan for the kids, right? >> Yeah, I love making a three year old. work hard. David Goggins is really well. off. Glad you picked one guy. Dude, but. if he can't why can't they? And that's. what you don't get is that anyone can do.

everything. You think everyone needs to. save because it's like manifesting your. own and everyone else's failure. It's. like their own demise is coming so you. got to be ready for the demise. How. about this? I'm on cloud nine and it's. never going to happen. That's why David. Goggins is so successful because it was. never a question when I'm going into. something there's never a plan B. There's never like oh, what if this goes. wrong? It's called plan A squared. >> Why did Why did Goggins get healthy? What? Why did he get healthy? Cuz he was. a fat. He wanted to join the the Marines. Wasn't out of any fear for health.

complications at all and having more. energy. I don't know. Did you ask him? I. have no idea how In his book You know. him, I don't. In his book he did not. speak on health complications. >> He wrote a book? No, no, I listened to it. Okay, um I'm. assuming if if it was just to join the. Marines then the point doesn't stand, but if it was for doing more health if. he can do anything then why can't he be. a fat and join the Marines? Because to join the Marines you got to. be. >> you want. Exactly. And if you want to. take care of your kids you need a bit of. money to make sure they're taken care.

of. >> of joining the Marines made him skinny. as a result. That's not like a. >> And the process of making sure your kids. are taken care of by the time you die is. I save you money. >> saying is if I do die. they will figure it out. Not. necessarily, many kids don't. >> Yes, bro, cuz listen. this is setting them up just life isn't. supposed to be so easy. If I die my kids. are going to be stronger than I am today. because I have. Listen, every day I've had a very good. upbringing. and that to a degree those who go.

through more trials and more difficult. battles have a higher purpose and have a. higher ceiling. Because I almost because. I was so blessed and I had such an easy. life. I am effectively not as hard. I'm not as. hardwired as somebody like David Goggins. would be. So Tell us why you're not. afraid of anything bad happening. If. something bad were to happen, I would. pray to God that he has a plan for me. and it's going to make me a better. person at the end. >> have a plan. Might be homelessness cuz. it happens to tens of thousands a year.

>> that nothing is bad has happened to me. in my life. I almost died last year. I. overdosed and almost died. That's. fundamentally bad. >> choice to do drugs, >> Yeah, just cuz it was my that doesn't. mean it wasn't bad. The point is that's. why I don't bring it up cuz it's my own. fault, right? >> an emergency. fund. >> just because something is bad doesn't it. might be a blessing. God has a plan. and just because something whatever. you're that that. Again, countless people become stronger. cuz their trials. Now their ceiling is. unlimited and I. >> Countless people become homeless every.

single day in this country and they. believe in God and that's their plan and. that's the plan that was made for their. lives. >> putting too much value. on security? on money. >> Security. Who's to say that anybody. doing much less than you isn't You've. never asked like okay, what I'm saying. is I know a lot of billionaires that are. depressed and I know a lot of homeless. people that are depressed. It's not. about. >> make you happy. I'm not trying to make. you happy. I already know you're happy. I'm arguing for a little sense of.

security. If your life turns on its head. you might be a paraplegic tomorrow. You. don't know what's going to happen, dude. And that's all I'm saying. It happens to. people every single day. >> That's what I'm saying is okay, if I. become a paraplegic and your happiness. Okay, if I become a paraplegic. Okay, what are you saying? I should have. if I So your picture that you're. painting right now is ten years I get. both my legs cut off or something of. that nature. Yeah, you dive into water. wrong, dude. That happens all the time. It's happened to people I know actually. It's kind of crazy. And so what's the. point? Then you're not going to be able. to produce the same kind of content.

Your audi- your views are going to fall. off. It's not about the YouTube views, dude. >> about security. I want to make sure you. can take care of yourself for the rest. of your life. I can take care of myself. because I'm Togi. Not because I got a. YouTube channel. So, your ego. Yes. Uh-huh. But I feel like you're not understanding. um. Well, every successful person has this. to a degree. You used to be. very unsuccessful and whatever and you. became something magnificent. You had a.

degree of delusional ego in your own. head. So you're you're not necessarily. showing it but. >> bad, but if it's putting you in a. position where you're going to you might. up your entire life if something. goes bad. That could be damaging. Life. is risky. Okay, and that's why you. overdosed and that's not good. Yeah, and. that's not great. And you say life is. risky. Dude, life is risky and I me. overdosing. may have potentially inspired millions. of people to get off of drugs. Oh, good. Do it again. You'll save more. No, but then I might die. So you.

understand? >> are we saying? >> Because what I'm saying is that you're. sitting here walking on like this line. of like oh, everything is and I got to. be so careful. I don't want to live like. that. I just want to be able to do. you know, whatever and come It's more. exciting to have all the risk come at. me. >> Why? Unfortunately, your drug use. incentivized and inspired Brandon to do. drugs instead of quitting, so. >> [laughter]. >> This is true? You did drugs cuz of Togi? Yes, I did. All right. So that is. actually a good point. >> on?

I thought you said you barely tried it, but you did a lot or something. So the. first time you ever did it? No, that was. many times in. For sake. Listen, bro, my experiences I could bro. And you're done? You haven't? Yeah, yeah, I've been sober for about four. months. In that four months I had one. night where I did cocaine until maybe. sixteen months ago. >> when did you overdose? >> relapse often. No, no, in the last four. months I relapsed once. I got really. wrecked about till 10:00 a.m. So we're. making good progress.

In the last four months, yes you've. relapsed, but. and also before the most recent four. months and the sixteen months that you. went to After I overdosed it was not any. second of like we should stop. I there. was a that's the life of a drug addict. >> Now why have you stopped now? Um that's. a good question. Life is just too busy. to be. uh giga. racked on all the time. But either way. I don't plan on being sober forever. I'm. just like mad busy and then I just like. haven't done drugs in 4 months, you.

know. Isn't that what helps with? Not to. sell you on it, but Not really. It kind. of helps you like make really bad. decisions and gamble like for 20 to 80. hours straight and like being. on it. >> Oh, all the content that everyone was. watching until a few months ago was that. content? No, there's there's like. specific videos that I can tell you and. then a lot the drugs like rotate. We say. as like because whatever that's what I. overdosed on, but there's like the video. Why Not You? I was on Adderall for the. whole thing like really racked like 100. mg Adderall the whole thing and you can.

pretty clearly tell like when Togi gets. on the camera is that guy on Adderall? Adderall was my favorite. >> What was your most video? No, no, I didn't usually do it on camera. That. was [laughter] just like for the love of. the game. THAT'S WHY HE'S THE GOAT. THE. GOAT. AND DON'T FORGET I WANT YOU TO BE ON THE. NEXT EPISODE of Financial Audit. So go. to calebhammer.com/apply. or click that link in the description. below. You'll have a great time and I'm. going to roast the out of you. Starbucks is bull and a waste of money. and you already know that by making your.

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gamersupps.gg. or click that link in the description. below. Type in code Caleb. Hey. >> But dude, okay, what is the big deal? Why are you so judgemental, dude? It's. chill, bro. It's. chill. >> No, no, but you're like say there's like. okay like he did for the love of game. it's like okay it's like dude yeah I did. and it was like kind of. to a degree awesome. But the point being. is that it's like dude okay whoa. Whoa. Whoa. You're going to have to accept the fact. that some people like a slightly riskier.

life necessary. >> a riskier life. I'm okay with That. you've been busting my balls about it. But okay, I agree. I'm just advocating. for one thing. You said you would set. aside A COUPLE MILLION. >> OKAY, OKAY, OKAY. Give me the game plan. Okay, the game plan and I'm going to go. through these finances right now and. then we're going to go through it. I. literally just want you to set aside a. couple million dollars, $5 million. And. then just pretend like it never existed. and you can blow the rest. I don't give. a. That's it. Can we just agree on that? Okay, so I should set aside $5 million. Just that. All right, I'll set aside $5. million. >> you can live a good life with that. >> How do I do that? What is I want to know.

from your perspective, how would you. rate your finances 0 to 10 as a big. picture? Zero being the absolute worst, 10 being the absolute best. Nine. If you want your Hammer Financial Score, get it at calebhammer.com. Just takes a. few minutes to sign up. You take the. score and. >> There's a thing that does it? >> Yeah, there's a thing that does that and. thousands of people do it daily. You can. do it and it is free. calebhammer.com. And if you don't want to be like Togi, don't do and also make sure to download. the DollarWise budgeting app. It is the. best budgeting app out there for a. reason. Take the free trial to see if. you like it. Most people take the annual.

version cuz it saves them 50% of their. money and of course when you do I will. send you my signed budget-friendly. cookbook mailed directly to you and that. is going away at the end of March. So. check that out. dollarwise.com. calebhammer.com Let's see Togi's money. of the statements he did send. You use. thing in the ad. You I you like that. it's cool. It's fun, right? >> what? The thing you're like oh don't be. like Togi the cuz it's like you know. engaging, exciting, whatever. I think. you secretly. love like I I think we're going to be. friends after this because you love how.

crazy it is and like part of you is like. living vicariously it's like I. shouldn't, but that's awesome. Like you. secretly you're an advocate for the. degeneracy. Oh, I'm a degenerate. I'm a. degenerate. We have different. degenerates. I'm a sex degenerate. It's well. established on the show. I'm a. degenerate in a lot of ways. I'm just. not a drug guy. I'm just not a drug guy. Never been my. thing. You ever bang. So platinum card. >> It's like a common thing. Togi loves. whatever, but I I I thought we were like. I was trying to create like a bridge.

some common ground here that we could. like shoot the about like how about. that? Like what if we banged the same. one point in our lives. But it's it's. cool. We can talk about it after, but. onto the finances. Your platinum card, what goes on with this card? I don't know because I have my mom, my. dad, my sister, my grandma, my roommate. and me on it. Your roommate? What? Is Is. he your roommate? Oh, he also has the. AMEX. Everyone in the world has that. Why. don't I? >> [laughter]. >> Because you're rich as.

Why the you need it for, bro? You don't need more money, bro. Don't be. greedy. Well, my grandma is poor and she. needs the AMEX. If you make millions a. year, why she still poor, >> the thing, right? Uh if I were to like give my grandmother. any amount of anything, I secretly have. I didn't tell you about this and I don't. want to even want to tell the camera, but it's in a secret place. There's. about 400,000 saved for my grandmother. But. >> place. >> That's like giga top secret, but either.

way Is it? Am I leaving it in or is it. not? >> [laughter]. >> You can leave it in. You can leave it. in. Whatever. But the point is, bro, um. they would kill me if I like bought them. a Tesla or something or whatever. So if. my grandma takes the card and she likes. to show her friends, they like go to. their like. uh little Asian meet up and she goes. this is my grandson's card and then if. she pays for the lunch once a month, she. loves it. That's all she does with the. the credit card. You I think part of you. is an Asian. Yeah, you know what's so funny? Oh my. god, my grandpa so four grandkids, everyone goes to college very strict all.

get a PhD super strict. I dropped out of. college and they're like you have to go. to college every day. You have to go to. college. You have to go to college and. then I showed my grandpa that I was. making whatever 700,000. um. What is the number? 6 700,000 a month. and he's like he tried to get all the. other grandkids to drop out and work for. me cuz he he's like what the are we. doing getting PhDs when he makes what a. doctor makes every month. I am confused. cuz 200's or 628,000 is what came in. Okay, yeah. >> a low month? You said a million comes. in. 628. This was last month. Yeah, last.

month, man. That's it. Um well that. yeah, I guess it varies a good bit. That. seems really bizarrely low. This are you. sure that was February? February did you. get. >> have all your accounts, man. February we came back at like 1.6. I. don't know. Maybe the business did, but. maybe I don't have that. May- maybe your. net is just that and then you spent more. than double it. Yeah, I don't know. Is. this paid off every single month? Yeah. Okay. I think so as well and it's. because of.

Moke? What's his name? What are we. talking about? what's his name? Gerd? Gerd. Oh, Gerd. It's cuz of Gerd. Gerd pays this off every single month. I. don't know how it happens. I pay it. somewhere. But via Gerd. No, no, I I actually no. >> with Gerd? Yeah, yeah. Gerd's one of my. best friends. And he we trust him. Financially. Uh it's. doesn't really matter. I could get somebody that I trust more. financially, but I would rather Gerd.

grow into a person that I can trust. financially because I trust him as a. friend. So if I if he learns the skills. and he me out of a few million dollars. in the process of learning the skills, then we're the giga team. Then I. invested a few million is in his. education and then it's like Togi really. can't be stopped, bro. In 6 years when. everybody on my team we know what we're. doing, it's going to be awesome. >> What if Gerd is siphoning money and you. don't know about it to himself? He would. never do that. How do you know? What if. he thinks it's moral? What if he doesn't. even consider it siphoning? He's smart enough to know there's what.

is siphoning and what is not. I would. never check it because I know he would. never do that. And also given the. many people that look through the. finances like whatever we got uh the. coffee hour CPA financial planner. She. has access to everything. So she would. there would be red flags, but either way. the point is. um that I don't know like if this is. something that's like. I don't understand why there would be. any paranoia.

Like I I would die for this person and. this person would die for me. So um. why would I ever be like I wonder if. he's siphoning siphoning money. Like do. you think your friends are siphoning. money from you? They don't have access. to my accounts. Because you think they. might siphon it from you? >> No, I just Bro, there's You're just not. supposed to let people have access to. your accounts. Oh, okay, okay, fair. Fair. I I trust them enough and um. they would never do that. I mean there. are parents that love their kids that. have siphoned money from the child. actors' kids. I mean this has happened. Yeah, but you keep like um using the. world to analyze my relationships.

because which is fair uh because you. don't know me, but I know me and I know. that would never happen. >> You know you, but there's also people. that are surrounding you. And people. when they become successful I I I only. Okay, sure. How many people do you trust. that have entered your life since you've. become successful that you consider one. of your seven that you would die for? Uh. probably one. Okay. Well, him plus the. ones coming up, there's an extra level. of questioning that has to be done. there. You never know who tries to. surround themselves with. >> yeah. I don't There's I'm surprised. there's even one. I'm not like in the. running for new friends. Like it I don't.

really accept it. with open arms. So I'm very paranoid. >> inviting me over. I don't get to see the. Austin house. party after this with the. Keep it on that. It's awesome. But the. point is I wouldn't give you access not. cuz I dislike you just because. I don't you know like I'd say I can. money. After. after the fame or whatever I'm a lot. more paranoid about it. But these are. people that. I've known forever. Okay. Okay. Okay, listen, $200,000 was spent on this card.

in one month. Yeah. One card, one statement. I think it was. actually What statement is this? Let me. see this. It was actually more. It was. $300,000. That was a four pay over. times. Which I don't think you'll be shocked is. a record on this show. I think you spent. more than Amaranth did. She was the. other highest earner. Who's that? Cost? Bro, oh my god. I one time gave. one $50,000 cuz I was so up. Was. last got in Austin? I never got one in.

Austin. Okay. Just like Vegas usually. $50,000. Have you ever with with your. girlfriend? No, you've been with her. Decided it. Decided that's gross. Because there's. like a. Sorry, not with her while you've been. with her. Oh, no, no, no. You haven't. had sex with one other person while. you've been with her. No, no, no. I have. like I did. the first. let's say maybe four months when it was. like kind of dating whatever. I was. banging a ton of people and since it got. like serious we have straightened out.

Do you believe this? He's with me 24/7. You're getting paid. He's not getting. paid. He gets paid $1,000 a month. Okay. Okay, first of all, all throughout here. All throughout here you own all these. cars, but there are Uber. troops every second of your life. And. it's always like the top end Ubers. And. also how often do you go to Uchiko? >> [laughter]. >> Uchiko bro is awesome. It is. No, I go. there twice a week. I Yeah, yeah. I. don't know. How much do I go to Uchiko? We never bro. Often. I'm just surprised. we haven't seen each other at Uchiko.

Like I'm literally always at Uchiko. 9 p.m. 9? Sometimes Yeah. Okay. That's me and my girlfriend's favorite. spot. And you take flights all the time. I'm assuming that's for your videos. Please tell me if that's for videos or. we're just flying to around. Are we just. having fun? Videos. Okay. So where did we have to travel for. this four out of 10 video? Um we went to Atlanta. Where the Where we at? I don't even. know. Where was the. Where did we go for this?

Yeah, I don't know. Why does it cost so. much? This is $2,800 for flights. $2,800. for flights. Everybody on my team flies. first class. What the. Why are we doing this? And how many. people come? I don't know. I got one to. five. How many. How many people come? Edward. I'm not lying to you bro. Why would I. lie about one to five people coming? I'm. not saying you're lying. I just don't. THINK YOU KNOW. >> [laughter]. >> OH. YEAH, LIKE ONE TO FIVE PROBABLY.

OKAY. Lowe's popped up all the time. Lowe's? Yeah. I don't know. That wasn't We're going to. Lowe's all the time. Okay, who's Okay. So this is in the portion of let's see. cuz this is separated between different. people. Who is this? Who is this first. portion? Okay, so this. We blacked out names, didn't we? This first person, who's the first. person? I can tell you if it's Lowe's. Well, who's donating on Kick every. second of their life? Bro.

I'm logged in on With your I was doing a. thing. I was logged in on Steve will do. his computer. He gifted himself like 500. subs. >> [laughter]. >> Listen, Edward, I'm going to get you a. Course Careers certification and a fist. card so you can start your life. It's okay. You wouldn't know what they. are, but. it's if you fail him or die. Oh, yeah, yeah, yeah. But Edward's never going to. fail himself. Sorry, mine Carter. Why. are you acting like I'm his dad bro?

He's like a totally I capable. He's going to be a. millionaire one way or another if he. dies. I don't know. He's accepting. $1,000. Why are we judging off of looks. and you're overweight? I'm not sitting. here talking about it. Like bro. But also. also it's obese, not overweight. I don't. know the difference. But what I'm saying. is he's a totally capable dude. Whether. or not. you picked the Mexican of your group to. go to Lowe's. Yeah, bro. He No, he. doesn't go to Lowe's. I think it's the. Germa alert. Either way, it's not the. point. If he would be better at going to. Lowe's probably. I don't know. I don't.

know who does any of this. Edward, do. you go to Lowe's? Who I don't know. I. don't run these things. You don't run. the things, but you choose how much they. make if they're doing well or not. Oh, yeah. But you don't run it. You don't know. what's happening. Kick streaming. In and out. $82 of. In-N-Out. Airbnb $800. Uber trips to Uber trips everywhere. everywhere. Airbnb. Airbnb 2200. So do you guys Airbnb every. time you go somewhere? So you can afford. I wouldn't be surprised if on this. statement there's like 20,000 Airbnb.

No, I There's probably more than that. Yeah, Uber Eats $91. Uber Eats $88. Is. that all the meals you guys have unless. you go somewhere nice? It's just No, it's funny cuz we actually have a. private chef. >> [laughter]. >> But we're Uber Eating every meal. Why? Look at We we we fired him like three. days ago. But for this whole month Why. is he fired? I probably just wasn't I wasn't using. him enough. I was like traveling. I bro. I'd leave for like months, you know. And. did you take care of him in your firing?

I gave him $10,000 severance. What was his monthly pay? Six and a. half. That's not good. It's not very good. Well, when he Talking about caring. people, when I fire people even that I. hate I give them better severance. Well, when he joined me said this is not a. real job. He was like. unemployed and was like I really need to. work. I was like sure you can be my. chef. Um and there was like this is not going. to last more than six months. Okay. Dash. Pass Uber Eats $20. Uber Eats $230. Uber.

Eats $91. Uber Eats $82. Uber Eats. Oddly cheap. I don't I don't know if. that was like a down payment. Yeah, surely that was a Whoever this is. is going into the gas station and. getting snacks and drinks all the time. by the way. So you're opening your card. for little snack drinks. I don't care. dude. I encourage it. You encourage. that. Bro, they can they can spend my. money. They're my friends. Okay. Well, I. encourage you spending your money on. Gamer Supps 40 cents a serving. >> [laughter]. >> Link in the description below.

That was good. Well played. Yeah. >> [laughter]. >> Uber Eats $34. Uber Eats $28. Uber Eats $72. Airbnb 4,000. Okay. The place must have been nice. Well, no, they're all around that same. price man. So wherever you I mean you. always stay nice, right? You have an. Austin? I mean you're first class and. everywhere. We try and stay in nice. places. No, these ones are your charges. directly. Apparently this is your. section. Oh. Word. [laughter]. Okay.

Uber Eats. $63. News link to MIA. That's Miami Airport. Okay, 34. What? Hotel. About water. How was your the hotel $22? Chick-fil-A. 15 bucks. At least you went there. instead of ordering. Yeah. Listen, you don't need a nickel and. dime. You can live a very high elevated. life with a lot of fun. That's not even. I'm not advocating against that. Cuz you. talk about Ice Coffee Hour. What those.

guys What Graham would do is like. you know, don't. spend 5% of your income. No. Yeah, spend. 70% of your income. I don't give a. But save the other 30% at least. We'll get to your investment account. >> [laughter]. >> We'll get to your investment account. And yeah, until you lose it in a gamble. Yeah. Do you own your house in Austin? No, I only have $80,000 down on it. There's only one house. I don't Okay. I. don't know why you're so confused. There's one house in Austin. The house. of the one you didn't lose. You said you. own another house. Until I lost it. You lost both houses?

I said you owned twice. This is Okay. There was two houses. One eliminated. House owned. Mortgage. Where is that house? Here. So you own a. house in Austin. And that's what Okay. Very good. Very good. And let me guess. Yeah. Believe that, but that's where like all. the charges are. Oh, really? Uber Eats 30. $4. Also how the you live there? That's the first place I lived when I. moved to Austin. I wanted to kill. myself. It's 40 minutes to anyway.

Didn't We didn't had never been to. Austin when we bought the house. You can. live anywhere. That's the most miserable. place to live. It's also a fun little. paradise. But it is agonizing how far it. is. But Yeah, you can live in a lot of. paradises. Keeps you grateful, you know? How lucky am I to drive here in a. Rolls-Royce? 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.

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money that you transfer over. And. finally, sign up for automated investing. with Acorns. Typically the sign up bonus. is only five bucks, but with my link you. get $20. Ladies and gents, you get. money. I get money. Enjoy. Links are in. the description below. Ungrateful if. it's like a 90 minute car ride. No, but. it's like also at least I'm not walking. Okay. Yeah, I don't think I would. suggest you walking. Do you have. security? Security guards? Yeah. Did my. guy frisk you? Did he touch you and all. that stuff? No. Give you the little touches. He.

didn't touch you. What am I going to do. in here? Come like rob you guys? Blast. me. I don't know. You're. I don't know what's happening. That's. true bro. You should not trust people. that do this. Super super. That's like a sketchy. sketchy group. $200 to that hotel. $3,000 to that hotel. Uber Eats $101. Uber Eats $33. Uber Eats $41. Uber Eats $36. What do. you Uber Eating? Cuz this is multiple. times a day. What do you Uber Eating? Oh, like if you need like say toenail. clippers Uber Eats it. Yeah, but not for. this 41 bucks. And then we like.

say we're traveling and like we need a. monitor. Uber Eats it. >> Dude, this. bro, I don't know you you have to. understand I have no idea. This Elser. Hotel, you were obsessed with. You spent. another 1,500 there. We can. >> Hotel Bel Air 5,000, basically. Hotel. Bel Air, almost 5,000 bucks. >> Woah, that was five racks? Almost. WOAH, WHAT? At least look into things before. you do it. But it is a kind of baller. feeling cuz like if we show up, swipe, don't even look at it. That was a scam. Five racks for Hotel Bel Air? Okay, and.

you freaked out about the water bottle. you purchased. Hot yeah. That's $30. Airbnb, Uber Eats $93, Uber Eats $41, Uber Eats $41 again, Uber Eats $78, Uber. Eats $92, Hotel Bel Air $70, Uber Eats $36, Uber. Eats $99, Uber Eats $18, Uber Eats $106, Uber Eats $109, Airbnb $682, Uber Eats. $76, Uber Eats $58, Uber Eats $102, Uber.

Eats $35. Door Dashing Best Buy $1,105. That's for a new monitor, bro. It's. crazy. The OLED, you ever had that? Yes. >> Bro, it's awesome. Bro, I live in She's like 30 minutes to. go get it. >> Exactly. Don't live in Bought a house in. We didn't know what we were doing. Bro, you know how it's so easy to It's so. easy to not easy, it's so hard to buy a. house. Like I can't just be like, "Oh, okay, let me go buy a new house." We're. locked in now. >> Kind of. If you actually followed any of. the that we talk about, if you set.

money aside, yeah, you would have bought. a house a nice house nice life with a. view of downtown in cash. Oh, yeah, it's. not about having the money. It's about. Well, that's part of it, but it's about. like doing it. Adulting is not easy, bro. It's relatively easy. What's what's. hard? Specifically about I don't know what is. easy about it. What What parts do you. find to be what were like. >> Most people are in a cycle. You go to. you you go to work, you make your money, you come home, make your food, go to. bed. >> Bro, but then it's like now I got a. you know, sign like figure out how to.

get a mortgage and also figure You know. what I did not know? >> a. realtor. >> The first crib I bought in Miami, didn't. know you had to. pay utilities. I thought it was just. like on and So, we didn't go there. for a couple months. Mold everywhere in. the house in my brand new crib. It cost. 30,000 to get the mold out. The pool had. to be redone. That was leaking. >> Why don't you talk to your parents about. anything? My parents would have told me, but. I didn't ask them because it's like fun. to figure out life with your friends.

And none of my friends knew you had to. get utilities. So, now it's like, all. right, now we know. >> You surround yourself with. Well, but that's the life, bro. I. surround myself with people that I love. and I don't I don't care about how smart. they are, you know? Cuz who am I to say? I'm not that smart. Uh-huh. Paradise? Is that what this is? Paradise. Am I saying that right? Paradise. Is it? All right, you spent 28 bucks there, five bucks there, Uber Vending machine, it's nothing crazy, but Uber Eats again. Apple Pay Apple Pay Apple Pay Apple Pay,

Farmlands Kitchen GeoGuessr, you're. paying for GeoGuessr, I guess. Are you. doing it on the stream? I don't know. >> No, I've not played that game in like. four years. It's $5 a month, bro. It's what. >> Yeah, and you haven't played it in four. years. Uber Eats Uber Eats Uber Eats, $5. to change that kid's life. He's poor. Gifted subs Gifted subs. >> not going to change his life. His. brain's going to change his life. I'm. not in charge of giving him Well, I am. literally in charge of that, but if I. gave him like too much money before the. brain, then the brain never going to get. to here and once he's on Mars, he don't.

need no money. That makes sense. I don't. want to hear no rebuttal. You understood. what I was talking about and you can't. deny it. >> Are you trying to say if he doesn't. learn the right behavior before he gets. a lot of money he's going to throw it. all away? No, I said that he's not going. to be hungry to be goaded. I didn't say. make him rich. I said make sure he can. take care of himself. Uber Eats Uber Eats Farmlands Kitchen. How are you going to take care of. yourself if you don't know how to. do anything? Like if you don't like. >> So, the only way for Edward to know how. to do anything is be around Togi. No one.

else outside of Togi. >> and going out and experiencing things. >> Which he can do and still make a living. Yeah, yeah, but if you're Dude, if. you're underperforming at your job, that's a thing that you should have been. making. No, because I like Edward Edward. as a friend. So, I wouldn't want to fire. him. Why do you suck at your job? We'll. talk in the post show. No, I'll do that. Edward, you're going to have to get. >> [laughter]. >> Chick-fil-A, Supreme Massage. >> is going to be lit. >> An expensive massage, 114. Bro, I. thought they were going to jack me off. They didn't. It's the worst. It's that. place next to the.

purple fitness place. >> jerk you off for 114. No, I tip whether. they jerk me off or not because they. still worked hard. Uh okay, Brandon said. he has a spot that's off I-35. He'll. tell you afterwards. >> [laughter]. >> Uber Eats Uber Eats Uber Eats, Chipotle, at least you went there, proud of you. Big moves. Uber Eats Uber Eats Car wash, that's fine. I don't know why you're. going to a standard car wash with your. expensive ass car. >> we took two of the Lamborghinis there. It was. them all. Yes, what?

We were in a rush. We had to do a photo. shoot. >> want to tell you to spend money, but get. a detailer on on call. >> No, we do have a detailer, but it was I. needed it 30 minutes and. >> Okay, you paid you paid Chad GPT, Uber. Eats, Herzuchiko, you spent 1,300 at. Herzuchiko. I tip usually 100%. Gavin. still, that's a decent amount. Herzuchiko. Herzuchiko's expensive, but it's not. like. How many people are you bringing for. 750? I remember that one I was with one. person and we said, "Can I have. everything on the menu except for a few.

things?" You just got really Asian there. for a second. Oh, the what in my. mannerisms? No, everything on the menu. >> [laughter]. >> All right. All right. Strike that from the record. Everything. on the menu. Okay, and then Nobu right after that. Mhm. For 1,700. Okay, you're a sushi. guy. I appreciate that. Sushi I don't. It's like my favorite, too. I get it. Uh Popeyes. What is this? Parodies again? I don't. know No, no, no, no what that is. Uber. Eats, GoPuff, Uber Eats, Nordstrom,

Christian Dior 2,000 bucks. >> That's this hoodie. And check it out. That is $2,000. >> like it at first, so I decided to give. it to a viewer, but then I decided I. loved it, so I had to send the viewer. $2,000 cuz I said I was going to give. him it. But either way, bro, you don't. understand how. >> I don't understand. I really don't. $2,000 for I can't get there. >> people No, no, it was good. Really what happened is I didn't love. it, but I went to Dior and I made the. guy that was working there I made him. like let me try on like 10 things cuz I. was really trying to like something. Hated it all, but I felt bad for him.

Some comes in your store and. he's like, "Oh, let me try on all this. shit." And then they leave. So, I had to. buy it. Okay, I'll Olai Colonial 630. Nobu Atlanta another 718, 1,400 Zynga. Corporation. It's games. Zynga's gaming. I DON'T KNOW. OH, YEAH, WE SPENT 7,000 on a new suit. All right, good for something. Uber Eats. Uber Eats Uber Eats, Airbnb $15,000.

Come on. Do do do do. Are you hearing. that? Airbnb $15,000. I've never seen. anything like that in my life. What is. $15,000 Airbnb? You're going to like. this one, dude. I spent $10,000 on a. haircut on that one. Oh, for sake. Yeah, we didn't. even highlight that. Okay, how? How? How the. How the. Dude, this is just awesome. Bro, it's. just like I the guy. The guy was a drug dealer and he's got. my hair and I'm talking about the game. show I'm putting on and.

um. he was like I was like, "I'm bailing out. convicts that are going to compete in. the game show trying to win 100,000.". He's like, "Oh, dude, like next time you. do that, you should like invite me. Like. I'm about to go to jail." I was like, "For what?" And he's like, "Fucking. weed." And I was like, "Dude, how do you go to jail for weed?" And. he's like, "I don't know. My lawyer says. I have to." And I was like, "You should. get a new lawyer." And he's like, "I. can't afford one." I was like, "All. right, I'll give you 10,000. Try and get. a new lawyer. If not, at the very least. you have 10,000 dollars." Okay. Okay, that's nice. It's the first thing you. did that's like actually like.

It feels like genuine. Everything else. is like Uber Eats? That's all. dude. >> That's all It's all. And your Airbnbs. >> or are these like my friends? >> Yes, no, they're yours still. Yours ends the next page. >> either way, they they have 15,000. Airbnb, dude. That was not even worth. it, too. That place reeked. But either. way, bro, you know, what? I like to go on nice trips with my. friends. Cafe, Sushi Ramen, Cafe, Cafe. >> bro. What else is money good for? >> Okay, well, then you've never lived a. normal life. People can't do this. No,

no, what I'm saying is if you had this. money, what else would you spend it on? Uh well, I would make sure again you're. prepared for something, but yeah, you. can spend it on don't get me. wrong, but 15,000 on an Airbnb is crazy. When you don't have an emergency fund. Just at least get something basic set up. and then blow your money. >> fund, too. I'll show it to you, bro. >> It's in crypto, dude. That's an. emergency fund. It can go to zero. overnight. >> Yeah, but or it could 10x and then I. have so much emergency fund. >> can. Bro, or if Dan or butts about it, bro, who that I'm not living to think. about how much could go wrong when it.

all could go right and it could go wrong. or it could. >> It's just about getting an emergency. fund. That's it. >> I have one. That's what I'm establishing. right now. >> emergency fund. Emergency funds aren't crypto. How big. emergency we talking about? >> Woah, I have 800 down on a $2.5 million. house. >> No, no, your monthly payment. Oh, I. don't know. You know what? I didn't even tell you this. I still. have to pay the mortgage on my house. that I lost. So, that's like 13,000 a. month next 30 years, whatever, and the. mortgage that I live in. Should we coin.

flip over your current house? No, that. seems like a bad idea. So, you're a. You've lost it. Dude, you were just. making fun of me for it, dude. I think. that's a bad idea. Sure. You're not going to do bad ideas. anymore? No, no, no, but all right, I. was on this podcast and the guy was. like, "You got to save more money a. year." Yeah, and I was like, "Okay, maybe I'll save a little bit more." So, I'm trying to save more now and I'm not. giving away my house. Also, I would. never live. So. I like bro. No, you don't. Airbnb.

$34,000. This is from the next guy. That's from. someone else. Yes. Who is this? Uh I'm going to leave this. Oh, that was my dad. That was in uh Your. dad? $34,000? >> Yeah, yeah, he asked if he could do that. beforehand. I remember now. Well, you'll. say yes to anything. Well, my parents do. whatever they want. >> So, you won't ever say no to anything. Absolutely. parents. $34,000? What did. they possibly need? They were on. vacation. And so, what happened is they. were like trying to go on vacation at my. crib in Miami, and they were like, "Can. we stay there?" I said, "Yeah, of. course." And then I gambled it away, and.

they're like, "We still want to go on. vacation." I was like, "Okay, how about. this? You I actually picked out the. Airbnb for them. They would have picked. a shitty one." I said, "You should go. here. Let me know if you want me to book. it." And they were like, "Are you sure?". I was like, "Yeah." For how long did. they stay there for $34,000? 3 weeks. It. was a good stay. Uber Eats. >> Dude, they're retired. They got to like. enjoy life. >> So, your dad, the retired dad, is Uber. Eating, Uber Eating, Uber Eating, Uber. Eating, Uber Eating. Yo-yo. For $419, a yo-yo. Uh this surely this. isn't my dad's account. This must be Um.

I'll leave it. This is a. Yeah, yeah. >> Who's that? The girlfriend. The. girlfriend. She's Uber Eating did. Okay. Yeah. >> Okay. She Uber Eating, Uber Eating, Uber. Eating, Uber Eating. [laughter] Amazon. She Airbnb for $1,300. Airlines. Does she live with you? Yeah. Okay. It's going well? It's going as well as a. 23-year-old relationship would go. It's. like I'm not getting that. People. used to get married at 18. What the. is that? That doesn't mean anything. >> Yeah, you're right. That wasn't a good. way to put it. We're not getting.

married. So, it's like. uh it's going well, but I'm not like. >> with that? Yeah, yeah. She's not uh. stoked on it, but it's like, "Dude. You know.". Amazon. Uber Eats, Uber Eats, Uber Eats, Uber Eats. Amazon. Chick-fil-A. Uber. Eats, Uber Eats. She's Uber Eating two. times a day, while you're Uber Eating. two times a day, while your dad is Uber. Eating two times a day, while someone. else is Uber Eating two times a day. bro. You're doing about a dozen Uber. Eats a day across all accounts. >> Dude, I cannot If we did a net Uber Eats. it says I spent $50,000 on Uber Eats a. month. It's like that is money well. spent. Money well spent. $50,000 on Uber.

Eats. You don't want to give to a. charity. You did one genuine thing to. the barber. It was beautiful. Oh, yeah, yeah. We're. we have to but you know, we give a lot. of money to charity, so we get to enjoy. our life. It was $20,000 on Uber Eats. Oh, that's a lot. But yeah, yeah, whatever. We. >> That's a lot. >> We give away. much more than 20,000 a month to fans. and charity. Well, okay. Where is that? I don't see it. I see travel $147,000. >> we. did we gave away three Rolexes to fans,

which is way more than. jeweler. Then we gave away $10,000. So, that I don't know how that wire has. been. And then we had to save the. charity money cuz we gave away 90,000 in. the game show. But next month we have. $295,000. budget to spend on either You guys will. see this video because I make. But not this month. With that video. you're going to not even break even. Yeah, yeah, but dude, I'll find a way. I. I will find a way. >> make sense. I don't get it. to give away.

Okay, either way, the point is we have. $295,000 getting going to We would like. to build a school, but we don't know. how. >> It might be me, it might be you. I don't. know. Huh? >> [laughter]. >> It's not me. Okay, just making sure. Either way, the. point is that um. I don't need to like super have it. mapped out. Like if I need to sell the. car to get it done, we will, but I don't. think I like I feel like I might win. gambling at some point soon or. something. You could. I offered. >> to.

uh not I don't need to I only need to. win 300,000 for charity. Okay, good. Give me your house or I'll do 300,000. What? That's a horrible Okay, no. Next. next topic. Fine. 500. No. How much you. need? Dude, I'm not coin flipping the. house for It's a $2.5 million house. >> Okay. Uh 2.5. I don't know if you're serious about. this. >> [laughter]. >> I feel like you're just saying that, but. I don't I don't know if you would. actually flip me 2.5 million. >> couldn't. Why not? I feel like you have. a lot of money. Yeah, I do. Okay. Uh but 2.5 would.

actually be devastating. Okay, well then onto the next. >> probably not as much as you think. But. Chick-fil-A Uber cuz I haven't been. doing this that long. Chick-fil-A. Uber. Eats, Uber Eats. Amazon. Uber Eats, Amazon, Amazon. This is the girlfriend, by the way. Uber Eats. Is she not a fat. No, she's actually famous for being uh. jacked and a model. Okay, I guess she's. just getting protein bowls every second. of her life. >> I don't know how she what the she's. doing with the Amazon. Uber Eats, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

Yeah, she likes to do that. >> Towel Read Popo. $1,200. Towel Read. Popo? That sounds like a restaurant. Uber Eats. JD Sports. Uber Eats, Uber. Eats, Uber Eats, Uber Eats, Uber Eats. Nobu Hotel. 500 bucks there. Nobu Hotel. Uber Eats, Uber Eats, Uber Eats, Uber. Eats. Who's this next person? Who's that? >> Oh, yeah. This is Gurmeler, the manager. This is Gurmeler. Okay, your money. manager. >> [laughter]. >> Is.

>> to get reamed. Yeah, $3,150 on flights, plus another $544 on flights. Uber Eats. That that's like booking for me cuz. he takes care of all that. Uber Eats, Uber Eats. Is that for you? I don't. think so. Delta 742. Also, you got your. you you got flights you got flights on. your own section. Why does he need to. get additional flights? Um it might be. me. for. when I did the game show I flew everyone. out first class that participated. Flights 464. Soku. $576.

Soku. $5,100. Money manager. >> I don't even know what that is. Okay, I. feel like you are looking through this. like you give it like Soku. Are you. sure? >> Soku. $2,000. This is your money manager. spending $7,000 on Soku. That was Well, that was a dinner we did in LA. It was. 14,000 total. for the chef to come to the crib and. make us food. But either way, I told him. to do that. Either way, if he did it on. his own, I don't give a He can do. whatever he wants. Um but you're looking at me like Soku. Right? >> Yes. It's chill, dude. What's the big. deal? It was an awesome dinner. It was.

fun. Do you like hate crazy new. experiences? Would I spend $100,000. again dinner again? Like of course. Yes, you will. Yeah, and it's like, "Sure, why not?" It's chill. Like I am not. financially devastated by that, and it. was a lot of fun. And I like. it was like a lot of I had my lawyer. there, and I wanted to treat him well. cuz he's the best and whatever. So, it's. like. >> to get you out of jail all the time? No, but if I went to jail, then he would be. the one. Meth. Yeah, but I don't think that you go to. jail for that in this day and age. I.

mean, yeah. Meth. Yeah. >> [laughter]. >> This prescription. Meth. Prescription. >> that. Yes. Yeah, yeah, yeah. >> Crystal amphetamine. It's it's very hard. to get the prescription. Uber Eats. Airlines, airlines, airlines, airlines, airlines, airlines, airlines. Amazon, Amazon. Tempest. $2,800 on Tempest, whatever that is. Airlines, Amazon. Exotic Finish Detail. $480. Uber, Amazon. Uber, Uber, Uber. Uchiko.

Can flights. Morningstar Pools. You have. a pool? Pool cleaning? Maybe that's what that is. Lowe's. And Vantel. Conje. Love Sac. You got some couches. $1,200. bucks. Damn, those were not worth it. Well, airlines, airlines, airlines. >> Uh-uh. It's like a bean bag. >> Airline. [clears throat]. Nobu Atlanta. $21,000. >> [laughter]. >> Bro, why are you. It's chill, bro. >> Because it's adding up. Because it's. like every four days. We know that. It.

was fun. Like 300 racks or something. Bro, I like to treat people cuz listen, the for example, the Trend Twins came. out to do my game show video. You know, the gigaviral one. Island Boys? Gigaviral Trend Twins. Awesome. They flew all the way to. Atlanta just to be on my game show. >> that. No, no. The the muscular ones. Okay. >> Not Island Boys. Trend Twins. Either. way, the point is they went out of their. way to go help me with something. Of. course you're staying in the Nobu. I. like They said they told me that a bunch.

of people when they go out for collab. they make them share a bed cuz they. assume they're twins. You got to share a. bed. And it's like, "Bro, grown ass. Treat them with that. This you could. have treated them for like 5,000. No, no, no. It was for everybody. Steiny, Bob. Menery, everyone that came out stays in. Nobu because bro, they're doing me a. favor. The least I can do is put them in. Nobu if I have the money. I don't need. to What? I needed to save 5 million? Yeah. Delta, Delta, Delta. >> I have kids, so I got 10 years to save 5. million. >> Or I mean, do you guys do you raw? Me? Yeah, with her. Uh.

the whatchamacallit? >> [snorts]. >> IUD. Okay. IUD. Guess what? We just had. someone on the show. IUD. Baby popped. out. It can happen. But what's the point. with that? Oh, then I have a child. >> No. Not in 10 [laughter] years. Yeah, but then it's like what? What do we say? 50,000 a year? How would How would this. How would I just Don't you want Airbnb. this month? I won't do one Airbnb if I. get a girl pregnant, and then we'll set. that aside. It'll go somewhere else. But. Uber Eats, Summer Moon. Bail Bonds, Bail Bonds, Bail Bonds, Bail.

Bonds, Bail Bonds. What the is. this? Cuz the game show The game show. The game show we just filmed. Bail. Bonds? We had to bail out people from. prison. Dangerous people? Petty crimes. I'll think. No, I mean, they were pretty people. Like aggravated assault, armed robbery, battery. Meth. I'm glad they're back on the street. That's what this country needs. Well, bro, they weren't convicted yet. They. were just in the one of the worst jails. in the world because they were black. I. don't I won't stand for that. Okay. >> Me me and the black community are like.

this, bro. >> about being black. Every place that just. lets people on the streets with no cash. bail are the most dangerous places right. now. Oh, really? You just incentivized. that. Yes. Or dude, you know what? It's. like may I thought they were good. people, you know. Sure, I wish the jury could have decided. instead. Um. I think everyone deserves uh at least, you know, when it Why is it guilty until. the innocent? It's not, but they're. often sued for wrist. For wrist. They're. often sued for wrist. every single day.

in that jail somebody was getting. stabbed. So, bro, you got to understand. that it's bro, they're not bad people. and they're not been proven to be bad. people, so I'm going to give them the. benefit of the doubt. And if you did. armed rob somebody, bro, I think you. deserve a second chance. You just. weren't very. >> Eventually, serve your time. Yeah, yeah, exactly. Okay. But they you're talking about. animals, bro. They're people Lots of. other lines. NO. NO. NO. THAT IS A BAD TAKE. THAT IS A. TAKE. THAT'S WHAT YOU JUST SAID, BRO.

YOU'RE PUTTING IT IN YOUR OWN MOUTH. IT'S BECAUSE YOU'RE TRYING to moral. masturbate it. Every single time a. policy like that has been enacted in a. city, crime goes up. Repeat offenders. that are released cat immediately. released. It's catch and release. It. never works. It's been proven. They had to re-birth that in San. Francisco cuz people were getting hurt. >> No idea what you're talking about right. now. >> you try to moralize it like a high horse. moral kind Well, you have to have a some. consciousness to every decision. And. sure we. one. I I at least I was thinking before I.

made a decision. Just because you think. you have this idea that you can do it. >> you You just described them Obviously, what are you talking about? >> They're on a game show. I held them at. gunpoint to put them on the game show. So, don't try to moralize it. What are. you talking about? I think they're still. I'm bro, I wanted them on the game show, but I still wanted them to like I can. still get And why aren't you doing that. instead of 20,000 hours a month in. Ubers? Why don't you bail out people all. around? I have to give away money to. like kids in Africa and That's. where they're we're trying to build a. school. It's actually South America. >> You're doing the whole SCHOOL THING. WHY. IS EVERY YOUTUBER TRYING to do a school?

No one's able to do a school. They. didn't Kai just fail. Yeah, the the the the school is too. hard. We're actually doing that. That's. an umbrella term. We're doing 300,000. for the school. Whatever. We have to. sprinkle it around, right? We did this. for the convicts, then we're doing this. for the kids. Whatever. Moral. masturbation or not. Content. I have I. don't think they're bad people. You said. catch and release. Bro, I don't think. they're animals, dude. No, it's not. about animals. It's about anytime that. has been enacted you think you're right. doesn't make Well, the statistics are. right. >> my opinion on it.

There's a law of logic that someone on. the planet. >> Okay, sure. Whatever. That's my flow of. logic. It led to the moralization of. these people. I feel like everyone's. done stuff that would land them in jail. For example, I've had tons of me before. Why didn't I go to jail? Because I'm not. lucky, bro. And I don't think I'm a bad. person. Maybe I should. I don't think I. don't personally think I should go to. jail. No, I'm not saying that either. But there is a reason why we don't. arrest someone for a crime and. immediately make sure they're out on the. street.

>> want me to say? Okay, you're right. I. shouldn't have bailed them out. >> No, but when you moralized it saying. that that it's like bad to not catch and. release people. Oh, well, no, no, no. I'm saying that's not I'm saying I. empathize with these specific people. >> with them. I also empathize with the. people that the crime was committed. against, especially violent crime. Mhm. Delta. 496 plaster. Yeah, I mean, airlines. galore with this Yeah, that was just. keep going, dude. adds up. Cleaning. Yeah, you should probably clean that. place. Is your guys' place is nice and. clean?

Your house? >> [laughter]. >> I don't know. It's clean enough. Okay. Well, you got cleaners. You're paying a. lot for it. Okay. 56,000 hours owed on. your Aston Martin. That's the only car. that has data. >> That's a Huracan, yeah. Okay, do you. know the interest rate? No. If you. called Gerd, would he be able to tell. you? No, cuz he didn't get that loan. There's almost a 0% chance we could find. out the interest rate on it unless it. tells me on the app. >> It would tell you on the app. >> Oh, yeah. I'm sure I could click around. Do you even know your monthly payment?

>> Uh 3,000 maybe. Hey, your business checking checking. account is 50,000 years has 4,000. You. have 100,000 hours in CDs. Guess Yeah, they made me do that cuz I uh Well, it's. a shitty return on investment, but. it's harder for you to touch, so that. actually might be a good thing. >> every 3 months that I can touch it. Um the interest every month is $900. It. looks like Well, actually, I don't know. how this works. When did you get this. loan? Maybe like.

year ago. Okay, 900 of interest accrued. last month? Oh, but some months are. zero. I don't I don't understand how. this is working. Oh, because it's I pay. uh ahead. Whatever. I don't know what. the interest rate is. Um but yeah, maybe I got it. 10 months ago. Dude, I think it's like. an 18% interest rate. Potentially. That's horrendous. Just pay this off. That's horrendous? It's really bad. Just. pay it off. I heard it's good for my. credit. to pay it off slowly. >> Maybe. Why do you care about your credit. though? You already have a house. What. are you trying to utilize credit for? I don't know. Pay it off. You're using.

credit cards already. That's good enough. for credit. If it's an 18% interest. rate, you're just losing money. If it was four, it'd be a different. conversation. But here's the here's the. here's the thing. It's like uh this is. my thought process about it. I don't. have to like dude, two 3,000 hours a. month, what's that? One dinner? So, I. just like put that towards the car or. whatever. Don't got to worry about it. Well, why? Why don't you just pay it. off? What what is the actual argument? >> Well, because I I I guess the answer. would be I've never thought like, "Okay, let's pay this off." It's just like. whatever. Okay. Okay, so. I mean, cash flow, yeah, your average.

quarterly in was 1885, but your average. quarterly net cash flow because of. expenses is about 6,800. Yeah. And. listen, I have 169,000 hours of Pepe. What's it at now? Oh, why we invested. more into it, right? >> But it's down. Here, I'll show you the. day account. It's emergency fund. Here, it's 310. 310,000. Okay. But it's down um. Whatever. You know, it's not important. because it should go to the moon. eventually. Maybe this podcast will send. it to the moon. Pepe?

>> Go buy Pepe. He told financial advice. from the Caleb Hammer. Okay. Okay, so I think that's Is that. everything? Is there more? I don't have. your mortgage. Oh, I don't have my. mortgage either. Oh. Who the knows how. that works? And you can't tell me. adulting is easy, bro. It doesn't make. any You going to is so I don't. understand how anybody gets anything. done, bro. >> would tell you if you just talked to. one. Like if you just did that. Okay, here. Type in your current. address. How much is this thing going to. be worth? Market value. Oh, dude, we are getting smoked right.

now. How much did we pay for that? >> This is not a good market right now. Oh, really? It's okay. You might Well, how. much did you pay on this? I thought it. was 2.4, but maybe I was wrong. Cuz we got appraised. We paid uh 100. less than appraisal. Oh, yeah. Well, appraisals, yeah. Not only are you in that neighborhood, you're far down. Oh my Takes a just to. get out of that neighborhood. It's a. beautiful drive. It's a horrible place. to live. Dude, I bro, I feel like living. in a uh.

>> [laughter]. >> I I know. I've never once been like, "Holy This is. a mistake, bro." But I got it. Okay. Next time I'll consider that when I'm. buying a crib. Oddly enough, in the end, this is all. simple. Your mortgage is probably fine. He's making your payment. The car I I. would I I would pay it off, okay? I'll. pay it off. But if you even if you. don't, I'm not killing myself. I have. two things I want you to do. Two things I want you to do. This isn't.

a budget thing cuz you don't have a. normal budget. It's not making a budget. Cuz I did actually come here to learn. about this. >> No, I got you. And I think I'm this is. going to be a big takeaway moment for me. unless it's ridiculousness, but I think. you understand where I'm at. Yeah. >> enough, so it's it will be a digestible. solution. Unfortunately, I'm just. putting down two numbers. And you're. almost there. Okay. I want you. before the end of the year. to save up $6 million as close as you.

can. And do not touch it. Your CDs at. the 100,000 hours on the way to it. You. got 300 in Pepe. I just want this. And this is what you're going to do. You. are going to get with They're actually. YouTubers, but they're financial. advisors. They manage my money with. their abound wealth. They're very good, very trustworthy, very good people, legitimately good. people. Call the Money Guy. Not a. sponsor. But they're going to do this for you. But you're going to give them $6 million.

throughout this year. They will manage your investments and. they will manage your emergency fund. So, you can't touch it. So, you can't. touch it. That will grow, so you have something to. rely on. >> You can get to touch it if everything. goes to zero, you can touch it. Bro, none ever go to zero. >> Well, then you never need to touch it. Then I'm just pissing Okay, I I I agree. I agree. I agree. >> it away. It's gaining 10% a year for the rest of. your life. But it's gaining all if I. can't touch it. If I die with 70 billion.

dollars, then the just happened there. No, no, no. Don't get me wrong. I mean, touch it around like 40 or 50 or. something. And they they can help you do. a safe withdrawal, right? But that's. that's what I want you to do. I'm going. to literally email you my guy. I'm going. to put us on an email together. Like. legitimate, you know, whatever. He's really good. His name's Carter. He's like the top dog there. And the. goal is to get you $6 million by the end. of the year, which you can do. That is. not complicated. $6 million for you. It's just a little management in.

different places. Have Gerd Gerd Malurd. Have him. put that money aside. Make sure there's. Okay. One one We have. Okay, well, I'm trying to understand. where it comes from. Oh, yeah. Let's. call it nine months left, okay? And then. we're just trying to do $6 million. In nine months. It's a lot. That's 666,000 hours a month. Okay, maybe it's a two-year process. It's a. two-year process. You're going to I'm. trying to understand um Yeah.

I feel as if, personally, it would be. more worthwhile to, since I'm so young, put the gas on a pedal and invest into. my brands like my supplement brand or my. clothing brand, wouldn't it be a better. return to go all in on that than capping. myself to 10% at such a young age? I. can't say it's a better return cuz we. don't know what the return is going to. be. And that 10% is average, it's 10 to. 12. You'll get 30% one year, lose one. another year. >> Okay. No, listen. No, no, no. This feels. like a lot is all I'm saying. Like I It.

is. It is. So, here's what I say. Let's. come to a compromise. 300,000 hours a. month for the next 2 years. And that'll get you there. Yeah, but would I get there if I did. 200,000 a month for 2 years? 200,000. hours a month for 2 and 1/2 years, maybe. Oh, okay. So, assuming I I I. we've talked about this. I think I'm. you know, going to the moon, whatever. >> Yeah. I think it's. >> Let's just say let's just assume for I. would like to I'm confident for the next. 4 years I will be able to make.

I will be able to invest into this. If I. did 200,000 a month for 4 years, I would. be totally giga good. Yeah. I can do that. Okay, so here's how I. would try to do this. So, let's say an. average of a million comes in a month, right? Okay. Yes? >> [laughter]. >> I do I gamble way too much. It's like. literally. minimum I would never make less than at. this point in my life 800,000. 800,000. hours comes in a month. Love it. Times 0.7 cuz you're setting.

30% aside for taxes. Have you paid your. taxes? No, Amanda's doing them. But okay, you. pay your taxes, good. So, you actually. have $560,000. left a month. Yeah, but then your business expenses. So, actually no, no, no. Your cost Okay, no, no, no. We start with 800. I'm going to say spend $400,000 a month. on business. Wherever you want. Reinvesting, new YouTube videos, whatever. So, that's $400,000 a month.

profit times 0.7 cuz you're setting 30%. aside, you have an extra $280,000. Just for even 2 years. have fun. outside of content with $80,000. A month? Yeah. All right. Well, have fun in content for. 400. Okay, that's what I'm saying. Yeah, yeah, yeah. Okay, I see. I see. Have fun in content and business. I mean, clearly you're able to do it. You're able to put a lot of money into.

that crypto right there. So, you're able. to put money in it. Yeah, yeah. Yeah, that was yeah. Okay, so here 800,000 comes in. This is. how we're going to try to structure it. And Gerd is going to try to structure it. like this. And then you are going to. meet with my guys, and they are going to. set you up for success. 800,000 comes in minimum. You spend. $400,000 on business content. reinvestment. Very good. Then you got. $280,000 after taxes left cuz that is. business expenses, you don't have to. count that against your taxes. Oh. >> Okay? This is next level, bro.

>> clearly this is five numbers. Uh $80,000 to spend on life. That's. That's pretty good. >> That's good. $200,000 goes to. the wealth advisors. To make sure you're. >> Okay, and then so say we do 800 minimum. If I make more, say I do a million and a. half a month. >> BLOW THE REST. OH, THIS IS A NI- I THIS. IS DOPE. I actually can get behind this. That was a well put together. Let me see. that. Okay. >> [laughter]. >> I'm just trying to Whatever gets you. there. >> This actually is making incredible.

amount of sense when you put it like. this. 400,000 on content and 80 racks to So, 500,000 just to like chill out. But you. can't spend a million on content like. you did last month. Well, yeah, but. I That's not the goal to spend that much. every month, but. I wanted to try something new. And if it. turns out to be good, then maybe the. content budget is just going to have to. go higher in the pursuit of bigger. career or whatever, or we find ways to. make it cheaper. But the point is. that's not consistent.

>> I'll say this. 400,000 hours on content, if it costs 500, it needs to bring in an. extra 100,000 that it did before. Yeah, I would say I would say I think that's. going to be the only disconnect we have. here because. I'm okay just like. chucking a risk and it's all right. >> this. I need you after taxes to have an. extra 280 a month. Anything can happen. before then. If we do this most of the. time it's chill. Like if I hit this 8. months, I'll be stoked. Okay. Because. that's [clears throat] still good money, bro. It's saving. Bro, I don't know what the kind of.

caviar my kids going to be eating, but. bro. Not not is. 200 racks a month. >> Yeah, it No, no, no. It is, but for your. position, unfortunately, it's not. Yeah, yeah, yeah. Okay, okay. This is very. well put together. I think I'm going I. am going to try and do this cuz that's. dope. Okay, will you meet with my guys? I'll meet with your guys. But here's. an interesting. thing. >> for real life. >> content, but also this is not for. content. Um my mom wants to invest my. money cuz she thinks it's fun. No.

But she's bored and retired. Just give. her like We got to throw her We got to. throw her 100,000 a month. >> extra 50 and give it to her, but you. need 280. >> the winning money will go to my motor to. invest. This guy will go to the post. office. >> said, anything extra you make, you do. whatever with, man. Dude, I actually. feel like hella smart right now. I think. this is going to I'm going to be the. richest person ever. >> just make sure enough is put aside for. the taxes. Um okay, dude, listen. Let's get your Hammer Financial score, then we're going to go to the post show. and let your poor employee confront you. Edward, but get him up here, bro. Yeah,

I will. And have a pair of balls, too. Just because he pays your bills and. keeps a roof over your head. >> pay his I pay give him. >> he allowed to speak out without. consequences? Dude, Edward would say. anything that he wants and he wouldn't. be afraid because he is a grown ass. dude. >> It's not like fully grown, dude. Just. cuz his skin glows better than yours. don't mean Bro, that's what you want is. you want the GHK-Cu this skin care. routine. He just hasn't done any adult. things, but I guess. >> Okay, spending in a budget. I mean,

listen, you didn't spend more than you. made and some went to investing. It was. Pepe. It's not great though, the money. went to insane places. Four out of 10. for that one. Your debt Your debt's not. that bad. I mean, for your income. It's. obviously. You got a mortgage. It's going to be a. seven out of 10 cuz it is a high. interest rate card. But for your income. Emergency fund, there is no emergency. fund, zero out of 10. Retirement, would. you consider the Pepe? It's not how I. would do it, but for your income at your. age is actually a really bad amount, one. out of 10. Real estate, it's it's probably mid like.

a five out of 10 cuz I don't know what. rate you have. You wouldn't assign any. rate and you probably are underwater. currently. [music] Listen, Hammer. Financial score, five or 3.5 out of 10. It'll be higher before you know it if. you actually follow this. Get yours at. calebhammer.com. We're going to go into the post show. His employee is going to confront him. and who knows what else we're going to. talk about. An extra 20 minutes plus. three premium shows posted every single. day, Monday through Saturday. Click join. Hammer Elite. See you in the post show. We could do something small and fun. We.

could do like 10,000. That was your. limit. >> I'LL DO 10. OH! >> [screaming]. >> TWO TIMES. $10,000 COIN FLIP. YOU HAVE. MY WORD. I'll wire you today. Yeah, same. $10,000 COIN FLIP. >> [screaming]. >> 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 pinned comment or. description below. This is the best membership you'll ever. join. That's a promise.