Wimpiest Momma’s Boy I’ve Ever Met | Financial Audit

but you can't pay rent you put it car. all right well maybe what if I just. don't feel like getting a job right now. I just wanted well that's just the most. childish thing I've ever heard in my. life yeah I I guess it might be how are. you okay with being essentially a leech. on Society at that point I guess I just. don't want like a job that I just would. find boring I don't want a boring job be. an adult what do you mean that's not a. thing I'm Josh I am 23 I am based out of. Dallas Texas and this is financial.

it well thanks for coming down to Austin. so for a living looks like we are a golf. caddy currently that is correct you say. you bring in a certain amount of money. on a monthly basis like 1,200 to, 1500. which first of. all not really enough to live no. absolutely not but you worked three days. last month yeah what what's going on. well I I get a ludicrous amount of money. hourly uh when I when I do have work.

it's a contract job and if people aren't. golfing in February then I don't. necessarily get the work there are. months that are really good though so. you kind of have to balance it out well. it was last month not good okay so what. are you doing in the not good I mean. you've told us specifically that you. bring in what like 12,000 bucks a year. something like that if every month was. like last month yeah yeah no it would. not be great it would not be manageable. but in the meantime I yeah not much else. what is your average monthly. income I'd say on average average if you.

look at the whole year it's probably. about $3,000 that being said the. statements that I was able to give you. from last month and the time I've been a. caddy I've. never I've never reached that it's kind. of a new position upgrade you've never. reached 3,000 it's a new position for. the past two months during the winter so. I don't really have a way to tell well. then how can you say the average is. 3,000 based on talking to the other. caddies and what they get based on the. averages that I have based on how. getting more Loops would be extrapolated. in the future okay CU it obviously is. winter there's probably less people out. there it's bad how are you compared to.

the other caddies I am new so not a lot. of people know me but I am very good I. am personable and I'm very knowledgeable. at golf in the game when it comes to uh. mindset stuff a lot of people like that. one guy I just went out with recently. said that he I should get into. psychology because I was really good at. teaching him how to approach shots with. confidence now if I'm not mistaken just. from conversations we've had you took. this job yes as a downgrade but because. it has upward Mobility.

what is the upward mobility in this that. you see for yourself well here's the. thing I was working at the cart Barn. before the cart Barn is very you know. it's basically a minimum wage job it. makes the equivalent that waterburger. makes for the most part 14 bucks an hour. 14 bucks an hour double minimum wage in. Texas but go ah yeah so as far. as you know Mobility goes there all the. members kind of they're polite to you. but a lot of them really look down at. you when you get out on a golf course. with these really high-profile people. you have the ability to network and you.

can then kind of communicate with them. at a at a deeper level and build. relationships what are you trying to. network what what are you trying to get. to I don't know yet I'm at a stage where. I don't really know what I want to do in. life and I'm kind of just hitting what I. see as fun and I feel like how are you. surviving fantastic question I'm. surviving via 0% APR credit cards and I. don't want that debt to. snowball when does the 0%. end the earliest one is December 2024. the other one is some in 2025 December.

2024 is going to be here before you know. it especially if we're only. making 1,200 bucks a month which is what. you claim in our pre-show interview that. you're making also $400 is what you. brought in the previous month you're. right it's the colder month you're new. sure but double triple that it's you're. still not going to make it what's your. rent yeah my my rent is 1,200 a month. how are you paying that right now yeah. right 0% you're putting all in the 0%. basically everything goes to rent and.

then I have does that make sense then I. want you to network sure Network's cool. but survival is also pretty cool. building up a massive amount of debt. when you're coming from a place where. your debt wasn't insane before you were. starting the bad cycle that we so see so. many people come on this show and be on. the other side in yeah no I it's. definitely absolutely starting I I would. 100% agree with that uh then why why. have you done this these last two months. and not gotten like and bacon so here's.

here's the here's the mental calculation. the mental calculation the idea is that. when I start to get requests and members. start to know me that's where you really. make your money as a caddy if I was able. to start building relationships in the. winter months when there's not a lot of. people by the time the spring months. came around I'd get a lot more work and. I would be able to pay it off that being. said didn't necessarily work out that. way I will also say I got my first. request last weekend and I'm super hyped. about that first request how much does. that cost well a request for to get. going to get it's it's an extra Loop so.

anywhere between the minimum is like. it's either 120 or 180 based on the job. average I would say you get about 200. with the way that you get tipped and. every request is going to be that and. that's extra on top of the cycle that. the caddies have are you sure your mom's. not just supporting you to live I I. would say that she helps a little bit. but she doesn't help a ton what give us. okay give us the that's an interesting m. m mental calculation that you've done. because if I do calculations a little. bit let's just see uh H interesting.

interesting typing a lot here uhuh oh I. found out that $1,200 a month in rent is. uh slightly more than uh. $200 that we're bringing in from a loop. it's also slightly more than $400 you. brought in last month so mama has to be. picking up the bills other than the. extra you've been putting on the other. now that's now now if she has offered in. things that's okay but the fact that I. had to bring that up and you not fully. saying y Mama be helping me here's.

here's the thing it was the. responsibility she's helping with. certain things medical expenses and. she's she pays for Lift rides so I can. get two in from work which is so you. don't have a car I don't have a car. loans. suck people have cars without car Lo. yeah I I guess I guess I'm definitely. not super well vered on that but the. other thing is I'm not permanently in. Dallas and and that that's I'm I'm down. here to I was I've been down here to. visit my girlfriend and there's she. lives in Austin no she lives in Dallas.

okay where where else are you New York. is where I'm going to go home and I'm. going to be going to school oh the where. is this no it's not funny where's this. listen your glasses buddy I'll give you. a fist pump for that but don't ruin this. already all right where's this caddy job. uh not the actual location but like the. city okay something tells me that's a. little um more than a couple hours away. from New York City and moving to New.

York City yeah so this investment you're. doing into this job doesn't even matter. because by the time you move back to go. to school you won't be doing this caddy. job anyway you won't have had the. opportunity to get it up that magical. $3,000 that doesn't exist and by the way. isn't an incredible living it's like 3. uh uh $36,000 a year that's not like. that's not like we're we're going crazy. and buying Jets or anything so I don't. know why that was the number we're super. excited about anyway but even if you get. to that you have to be there you. actually have to dedicate yourself to. but we're going back to New York yeah.

absolutely for school yes AB so this. doesn't make sense though does it not. well it might I'm going to ask you a. question if you're going to apply for a. job what looks better one month of. experience at a high-profile place or. three months of experience at a. high-profile Place well I guess three. but this high this question of. high-profile. Place. experience of what what kind of jobs are. you applying for up in New York so c c. is a contract job if I go back up to New. York I want to have a higher chance of.

getting a job as a caddy I don't want to. have to go work in a cart Barn again. that being said if I why do you have to. work in is this what you're going school. for no it's not what I go to school for. but that's where I would have so it. doesn't matter it doesn't but I I I I. genuinely like the job of being cadd and. I like you liking the job I also like. you being able to afford to live so. there there are there there is the. choice when it comes to that and being. 23y old trying to make rent due having. putting everything on a 0% interest card.

having Mama taking care of. Transportation moving back home in order. to pay for school we don't pick. unfortunately our dream job that we. want that's not that's not what wins. what wins is you actually being able to. pay the bills and you cannot. mathematically speaking actally speaking. you cannot age I agree and I think that. the the struggle is how do I keep this. caddy job and in my other spare time. that I have because objectively I make a. lot for like if for three days of work.

that is a lot more money than something. else would be and I have a lot of free. time I need to be able to leverage this. free time free time I need to leverage. the time to be able to make more money. but you haven't exactly and I it's it's. a failing it's a it's a direct. shortcoming and I I okay so it hasn't. work so we then okay if something. doesn't work we then try something else. yeah but how so how do we how do we make. it work like maybe it's not the correct. path for you maybe you need guaranteed. hours on a month on a weekly basis even. if it's lower per hour if it's giving.

you more in a monthly result because. that just correlates better with your. personality that's okay this isn't your. career yeah it's not I so it doesn't it. honestly doesn't I would rather do a job. I would rather anyone do a job that they. like more than a job they don't like I. want you to pay your rent yeah. graduating college without a massive. pile of credit cards that you have to. pay off that are at that point AC. crewing interest is more important to me. than a couple years of working a job.

that gives more money because it. correlates with your personality a. little better of not being able to work. outside of the work hours that you're. getting yeah that's what matters to me. how does that not how is that not what. matters to you I mean I guess it. definitely does matter to me but I feel. like there has to be a way that I can. figure out how to supplement contract. income without dropping the job and. getting a different job and I I haven't. figured that out yet like I I I I'm okay. with admitting I need genuine help.

figuring that out cuz that that is a. path that would work for me that does. fit with my personality very well what. what is really hard for me is standard 9. to five work hours I have really bad. ADHD which totally not an excuse for. anything but it fixes how my changes how. my brain works and how I react to. certain environments I love what are you. going to school for I'm going to go to. school for cyber security cyber security. great you might be working a 9o5 job how. are you going to survive that if you. can't survive it today from my knocking. on your disorder by any means I'm not.

I'm not saying you are from so that's a. really good question and from my. knowledge and my understanding a lot of. cyber security jobs are remote which. inherently makes them flexible that. being said there's probably going to be. a couple years where I do have to work. in an office to build up experience to. be trusted REM remot is going down a. little bit too like in a more. competitive job market in the tech. industry specifically though of course. you could do cyber security and more. than just Tech but Tech's going to be a. heavy player in that uh field.

uh companies are wanting people to work. on site more and if those are the jobs. that an entrylevel person gets access to. you you might be showing up 95 for a bit. and if you're incapable of doing that. now I don't I what what well so what. help are you seeking are you on. medication you have yeah I I have I help. yeah I've been going to therapy for a. while a lot of it hasn't stuck some. stuff is it takes a bit probably it's. been about 10 years and I've been.

through things I've tried four or five. different medications I've had a. psychiatrist I've as far as that you. know mental stuff that's documented and. that that doesn't that doesn't really. relate to the accountability of my. actions right that's like that's there. that's on the side I need to manage that. myself and I'm I've been doing that for. the past 10 years and I'm trying to that. being said there are certain things that. work better for me and work worse for me. and my challenge is figuring out what. does and what doesn't uh that 9 to vies. are very standard they're also very.

difficult and they're they're I'm I'm. just desperately trying to find a. workaround so I don't find my life. miserable right now this caddy thing is. a bit of a workr and it is affecting me. negatively financially yeah which okay. so not not not a great work around I. mean yeah well it just it hasn't. accomplished a goal in the end the goal. in the end is it needs to be something. that you can deal with because of your. personality and also pays the bills if. we fail either one of those then we. failed. well well that that's where I feel like.

so you're giving up one issue for. another issue and that that's just not. achieving anything in the end if you. can't pay your bills what happens man we. out on the street I mean then that's. probably worse on my mental health than. anything else I mean well that'll be. worse worse to your mental health than. anything oh yeah and you said you quit. the job so that you could go here and. get upward Mobility what's this upward. Mobility that you're achieving anyway. because again it's not a career path. you're making some connections I don't. even know what the those are um so so a. lot of really like do you do you follow.

pro golf at all no okay so if you if you. look up a couple people. like they come out to that club as will. home Club what are they going to do for. you they're not going to do anything for. me immediately a lot of the caddies. there have caded for them some of the. caddies there have cadd for once you get. these connections as a caddy you will. start to make more it's it's a very slow. start but you're only going to be doing. this J for a couple so what's the then. the logic doesn't work anymore okay if I.

come back to Dallas which is is an if I. do have a girlfriend that lives in. Dallas I will have that connection at. that club now you don't know what your. future looks like do no idea you well no. but nobody does I can only go with no. you're right sorry I phrased it in a. wrong way you don't know what your. future looks like but you should have a. plan I have a very what's the point of. going to college if you don't have a. plan what's the point of doing a job. that doesn't have a future if you don't. have a plan it's okay if you do any of. them if it's leading you to a certain. goal. what's your goal what's your plan where.

do you see yourself that's the question. where do you see yourself things change. we don't know the future but where do. you see yourself I could end up in. Dallas I could be in New York I could be. a caddy I could make connections I might. be in cyber. security there's no plan there there's. no where I see myself you're just you're. just a throw the dice and hope to get a. 20 yeah it's it's definitely it's. like it is a little like gambling for. sure but I I you're I can't I can't push.

back on that you're right there's no. there's no real cut and dry plan I think. that being red team on a cyber. security job would be fun which is why I. think that pursuing that would be good I. had a little bit of a stint of I don't. want to go back to school because I'll. make my own way and blah blah blah you. know internet red pill stuff and I I. thought about that a lot and I was like. as much as this is possible I've been. failing with consistency so hard that I.

I need to go back to school and the jobs. that are available for people without a. degree because so many people have. degrees now are so bad like even if. people who have degrees aren't getting. jobs the people who don't also aren't. well jobs in certain places yeah yeah. cuz right now I mean the labor market. like still you could go get a service. based job yeah and there's still very. much in demand trade school jobs and. that's not a degree it's a more of a. certification so I mean the one size. fits-all doesn't work I I've never liked. the don't go to college college is bad.

and I don't like the you must go to. college college is great and it's the. end all be all nothing is one siiz fits. all you're going to have your own path. and own Journey uh what about I mean you. know I always talk about uh Tech. certifications to course careers and. those are great and there's one of my. best friends here who makes over. $100,000 a year in cyber security went. to a boot camp and doesn't have a degree. you considered a boot camp so so I I. actually am certified with cyber. security through Google through the. Google career certificate. it has not landed me an interview I've.

applied to over 100 jobs it is really. hard and the things I like about. certifications well the thing I like. about certifications is that it's a good. boost to a resume it's a good boost. great it's not the okay there's I have. no experience in anything and this is. all I have to say to my name it's a. great you know thing to push you over. the edge and that's why I feel like I. need to and also your resume might I. don't know oh my resume is totally I.

have no idea how to make one of those I. no getting uh bachor degrees are okay. again I'm not against it yeah I'm. against it if I have to pay a ton of. money for it that that's what I'm. against it if if it's not what's your. educ what's your background with. education you're 23 yeah so um high. school was really really rough for me I. I effectively tested out of high school. I really didn't show up didn't really. make the seat time and I took all the. state mandated tests and finals and I. passed every one of them so they put me. through and I have a high school degree.

with. honors uh and I went to college for a. couple years Co happened and I fizzled. out with everybody else cuz I was. already dealing with the show well not. everybody else but some people did a. very large portion of people a decent. amount of people yeah they were like I'm. not going to pay the full price for. going online yeah and well there's. everybody had their own reasons mine was. mine was basically I'm struggling super. hard when it comes to school anyways a. lot of the world is taking a break you. can afford to do that right now okay but. now it's time to go back it's been two. or three years it's so how much more. schooling will you have left for the.

cyber security degree it should be about. it should be 2 to 3 years it might take. longer based on if I need to get my GPA. up to go to a certain school I don't. know it might be the main plan is to go. back to Community College get an. associates and play up at Year from. there I have I have some plans but. they're shortterm they're not like I. don't I don't have this goal in the. distance that's like this is my life. plan you know I know one of those plans. is kind of weird you're chasing some. scholarship. I was told yes and I'm confused so.

what's the college you're looking at. going so I'm looking at I'm looking at. different things right now I'm going to. go to Community College for a year until. next year that's for sure that being. said I'm kind of laying down some. connections for uh a scholarship because. I I need some kind of scholarship what's. the scholarship the SCH was for it's for. gaming I'm a I'm a very high level gamer. I play OverWatch is the my game of. choice High LEL gamer but you're the. third best in the lobby that we went to.

that we have access to your damage is. third best in the lobby yeah okay all. right so. overall so so people who have seen that. including coaches at different. universities have looked at that they've. said they thought it was a very high. level Lobby which it is that is that is. a Lobby that are but they're going to. give a scholarship to the third best KD. ratio so so versus number two and one. all right so I'm not going to fully. expand over watched you which is which.

is okay but uh there's a lot of. different jobs and things that happen in. games that don't directly rate to your. KD did I make mistakes in that game that. I've looked at and I've been like you. know we could have won if I did. something else absolutely sh oh because. that was a game that I lost I shared. that one because that was one that I. saved for some coaching because you. there's no reason to look at games where. you just totally popped off and beat. everybody because you can't learn. anything from them that was what I had. on my twitch that was what was EAS can't. learn what you did well and make that. even better though it it's hard doesn't. really make sense you can but it's.

harder mean. learn I get learning from failures as. well but it doesn't mean you can't learn. successes either way regardless of how. good you think or don't think I am mhm I. have stats to back it up I've been. ranked 41 in North America multiple. times I have where you ranked right now. um somewhere in the top 500 like 200ish. I think 220 is My Season P why is 220. getting the scholarship versus one. because one is pro and one not. everybody's going to college not not. everybody's the Collegiate scene that's.

crazy good that's the scholarship. colleges who want to have a strong orts. program and the college you're going to. wants to have a strong Esports program. well one that I am looking at pretty. extensively is up in Massachusetts I. just don't want to disclose any names or. amounts cuz I don't want which is going. to be out of state so it's going to be. much more expensive it is that private. school yes it is what's the scholarship. if you get rewarded the full scholarship. it's I don't want to give you a direct. amount it is a range then it's equival. into an athletic scholarship for like.

football like anywhere like like a full. okay so full ride it it's. over if I live off campus it's very. close to a full ride it's like 75 to 80%. okay room and board which I think I. might not be how many people get awarded. the scholarship at a university like. that I would I I know how many I I don't. have a number for you I haven't looked. into that enough but I what I'm told is. top recruits awarded this would be. awarded this scholarship you have it yet. cuz I'm not going to college yet I'm not.

going to that school yet but if it was. paid for it wouldn't matter you could go. there Community College is a great way. to go more affordable for college but if. college is free yeah so it wouldn't be. totally free it's just very low cost you. said it would if you lived off campus it. would basic be yeah but but still like. if you're looking at a school if it's. basically free though that still might. be cheaper than Community College and it. might be but I have to run the numbers. of that and I haven't yet because the. plan is to go to Community College to. live close to home as well so that I I. don't have to be away from home and like.

strugle with all you're not really doing. well with school like get your academic. feet back for a year the price is. comparable maybe fix your GPA I don't. know if my GPA after tanking out of. college could qualify for this school. even even with them looking at me for. gaming and saying we want you the GPA is. still a factor have they uh in the. conversations of the scholarship for. someone who's in the top. 500 not top 100 top 500 um what have the. conversations been.

of hey we want you how's that depends on. the school I I typically just kind of. right now if it depends on the school. then it typically means a more mid. program is going to be the one that's. offering it uh academically yes that. being said well the sports program oh. yeah well why would every if you were. the top of the class in terms of. recruitment I'm sorry I'm just trying to. get a full understanding on this I know. I'm pushing back decently no no no it's. just hard to explain because there's not. like a ton of knowledge in the area I'm.

trying to communicate what I know but. I'm not somebody who works at these. schools so I don't have the full picture. I have some pictures if I was a pro. player there's one school that I could. go to uh which you can look up right now. very very top OverWatch team I wouldn't. I'm not good enough to go there I. wouldn't be able to qualify for there. there's a bunch of other schools that. are also very high in Collegiate that. they would want me to go there I don't. like mville academically I like some. place like for example Clark University. I like that academically a lot better uh.

even if the program might be a little. lower than mville I don't want to strive. to go to mville because I want a good. education and the point of this is to. leverage a scholarship the point of this. is not to go be a pro player like would. it be really fun to like take a year and. do that if I improve to the level where. that's like good yeah but that's not the. end goal is that why you're investing. money into like a professional coach. yeah I mean how much money have I. invested into a professional coach. that's a fantastic question I've had one. session so so far with him okay and he.

has connections to it's $35 oh here. comes the connections thing again okay. yeah con you cannot tell me connections. are not useful know I fall back on it a. lot no no no no I'm not saying they're. not useful but a lot of people justify a. lot of things in life based on. connections that never gone anywhere I. hear that on this show all the time so. what are these massive OverWatch. connections it's it's just it's good to. be known in the scene and it's good to. be known by by somebody who works at top. level school that I might want to go to.

Connection in the school yeah direct. directly in a school that I might want. to go to and I'm not going to you know. no no you don't have to say the name or. anything like that uh but isn't at this. point if your mom's taking care of all. these extra bills isn't she essentially. paying for the coaching in a way. indirectly indirectly. yes okay okay I don't I don't know about. that she pays for transportation she. would not give me money for coaching. isn't she pay for Community College once. you go there uh for Community College. yeah m but how does that and then she'll.

be taking care of your rent as well. while you're up there well you'll be. living at home I'm living at home yeah. that's that's the plan save money my my. lease is up in April down here that's. the plan is not to continue with a rent. Bill the reason I'm moving home is cu. rent like everybody has rent rent sucks. yeah but everyone works and pays for. their rent yeah you. don't how many hours a month are you. putting into OverWatch definitely more. than my job okay does isn't the big boy.

maturity thing I mean let's go at least. take care of our bills first before the. video game yeah and as a video game nerd. love them I focus more these days on. like strategy games that's kind of my. thing that I've fallen into and like. building City games but yeah. um they're very fun and I pumped many. too many hours into them but before I do. I pay my bills yeah yeah like an. adult okay I I mean I I don't I don't. have anything to really disagree with.

you like what you said is objectively. correct and I I don't have a I mean you. worked three days last month and you. streamed 18 days yeah oh sorry you. worked three days last month and well. how many days no I don't know when was. the last time you streamed because I. know you do some streaming yeah it was. it was a while ago it was I um I really. wanted to start it back up and my. girlfriend and I kind of went through a. rough patch and we were uh you know at. that point she kind of just took the PC.

that I was using and I haven't really. had access so. okay how often do you stream I would. like to stream every day for about four. hours okay do we do that. again when we worked three days last. month this say I want our priorities man. well I I can't just get more caddying. Loops if I don't have them I don't have. that no but we can work another job in. the service based industry at the. minimum at a minimum you know uh they. have summer Moon up there summer Moon.

coffee yeah up in the Dallas area they. do yeah it's just this is just walk with. me here it's an example okay uh I'm. addicted to Moon milk currently it's. very good yeah it's they're like creamer. and so every once in a while I go in. there and I get some from the office the. manager uh the other day recognized me. he was like oh Caleb I love your show so. I was like oh thanks we start up the. conversation he was like dude anyone. anyone you talk to on on your show who. like says they can't get a job please. dude just like them all to come here we. pay $25 an hour for like the easiest job.

ever in the history of the world please. we literally just need humans to come. here and just stand for a second you can. get a job that pays money man and work. more than three days a month I don't. care if you can't get more Loops you. have the ability to work if you want to. you don't want to you stream instead if. you can get a scholarship fantastic. where we looked into the scholarship a. bit you talked about your ranking I.

you're putting a bit of a bet on it and. that's okay A lot of people do when it. comes to going for sports uh. scholarships and stuff like that and. this is very similar same with music. scholarship and stuff like that I got a. scholarship for my music not as. extensive as a full ride not even close. but even still we're putting a lot of. weight on that instead of being able to. pay our bills today but you can't pay. rent you're put it all right well maybe. what if I just don't feel like getting a. job right now what if I just don't want. to do that for a couple months like what. if I just wanted well that's just the. most childish thing I've ever heard in.

my life yeah I I guess it might be how. is that okay how are you okay with being. essentially like a leech on Society at. that point I just I guess I just don't. want like a job that I just would find. boring I don't want a boring job be an. adult what do you mean that's not a. thing what boring jobs how boring job is. not a thing do did you ever work a job. or you were like no that's is not an. that's is not a thing that is like real.

world like that's not a I don't even. know I don't even know how to like. phrase this because totally ex no that's. not I'm not saying that I'm saying the. thought you had is like the stupidest. thought I've ever heard you're afraid to. think that what the are you that doesn't. make sense that doesn't coordinate with. your ADHD does it the boredom oh that. that 100% does I it coordinates but it. does I mean I guess yeah that's what I'm. figuring what about like delivery. driving for like Jimmy John's that's. what I did it's not boring with with.

what car oh well that's true no that. sorry I was just going off my own. example I was trying to think of like. what did I do through college that. wasn't boring and that wasn't boring so. it just it doesn't I don't know I mean I. think walking out a golf course is. boring but yeah we all have different. things we agree to disagree on that I. mean I guess there's not you know with I. mean I think driving over the like uh. sand pits going way too fast Dangerously. in a golf cart is very fun yeah I think.

the courses Tony R would love you dude. that's what that dude does. yeah all right so on one of these cards. that is currently. 0% the Capital One savior. $1,215. 34 the $25 minimum monthly payment yeah. is making minimum monthy payments bad I. mean you got to keep that going right. what what are you talking about. no yeah you put a Min monthly payment.

towards it uh you didn't put anything. extra towards it no not right now and. then you put. $836 against it new transactions. bringing it up from $64 to. $1,215 Great oh it's just it's just. going out to eat so it doesn't even. matter whatever that Roman restaurant. Roman restaurant alien Champion Allen. alen I yeah it was that was those. actually Adidas 108 bucks from Adidas is. that for golf cading those are all tax.

deductible which is cool Bush no golf oh. cuz you're contractors tax deductible. with what income what are you talking. about Ambit waterburger waterburger. Sonic McDonald's Taco Bell Taco Bell and. Joe's Pizza so great what are the things. we're actually putting on a 0% interest. credit card going out toing eat uh you. have to eat food like I I I've what is. this world what is this Society what. have we gotten to if you ever heard of. this wonderful invention called a bag of.

chips or a sandwich or lasagna do do you. know like when's last time you been to a. store and like tried to buy things to. make those things I go to the grocery. store like once a week last time I went. to the grocery store I bought water I. bought a case of you know the the drink. ice so I had didn't buy as much drinks. out and I uh I bought bread oh and I. bought a bag of chips oh yeah and I was. at Kroger and I was trying to buy things. that were on sale with the Kroger C to.

save money it was $37 okay most of that. sounds like the ice thing it was that. was 11 yeah and then what what was water. a bag of chips what water like what like. a big old thing of like a bunch of. individual packs of water no it was so I. actually since I was using like a lift. to get home I didn't want to carry like. figure out how to carry that in and out. of a lift and up my stairs so it was two. small packs of like six water yeah. bottled water okay well bottled water is. kind of an expensive way to go about. water versus a water bottle one time.

charge for $5 yeah yeah there a but but. realistically is that going to make or. break my financial situation like that. what do you mean you're putting on a 0%. interest card you can't pay for it when. we did our budgeting program uh which. you get to go through for free. congratulations uh we put together a. grocery budget from HB which you have. access to up in Dallas um I personally. don't have access to an HB it's too far. okay well either the way it was just an. example of a grocery store often times.

on grocery stores what you can do is. when you have a item that you need to. shop for you can sort it by cheapest to. most expensive on the website and you. can find where it is in the aisle and. what we do are the free pickups I not. every grocery store offers that but what. we did in the budgeting program is laid. out 2,500 calories a day plus snacks and. desserts all that 300 bucks a month for. a single person you are spending $20 a. meal going out to eat $20 a meal going. out to eat how many how. many what do you eat for breakfast do.

you eat breakfast okay lunch do you go. out 15 20 bucks in that round okay and. then dinner 15 20 bucks in that round. okay so 17 + 17 uh 17 + 17 plus 365 days. a. year 17 + 17 + 365 days divide that by. 12 yeah that's $1,304 a month versus the. $300 a month if you went to the grocery. store but I I've never been able to go.

to the grocery store and do then you. haven't budgeted you haven't meal. prepped you haven't planned you walked. in there and you bought you didn't plan. I absolutely did not plan you're correct. and the other the other thing though is. so no it didn't work what are. you that doesn't make sense kind of. argument I guess I guess it doesn't make. sense but then it also comes down to. like one if you eat at home the food is. not just free you do have to still spend. that cost and then you on top of that. $300 yeah well you on top of that I have.

to buy a bunch of cookware does it make. sense to buy a bunch you don't have. anything I have nothing in my a pan a. pan you can multi-use if one has lips. and one is flat you can multiuse it and. wash it between things then get one fork. one knife one spoon One Bowl One Plate. you. win what is yeah I I I guess that's that. sounds like a ton of effort it sounds. like a ton well you're just lazy then. and you're not going to get anywhere in. life with that attitude it's as easy as. that work 3 days a.

week not get a single piece of cook. work this is being a lazy. little yeah iess I guess I guess there's. some truth at that all right Freedom. Card if you give a which I personally. think you do from the pre show talks and. everything if you give a it's going to. take some work that's obviously your. hard part is not being lazy and actually.

dedicating yourself and seeing through. things through and coming in with plans. minimum payment on this one 40 bucks and. that's all you put towards at shocker. and we've added an extra 655 we're just. bringing these balances up then interest. is going to start ACR it's going to you. now it's at. $1,421 oh what did we do we went to. McAllister's Deli Pizza Hut Pizza Hut. AMC online so we went to the movie. theater that exists great Popeyes some. puty Portillos Pizza.

Hut uh steam great I thought you only. played. OverWatch got to sometimes huh got to. Branch out sometimes you can't just play. cook Shack and tat. bar the interest St on this guy it's. going to be about 30% when that kicks in. dude yeah it's not going to be good and. that's 2025 and you're just building it. early 2025 you're just building it up. building actually technically less than. a year from now now at this point yeah.

it's yeah that sounds right uh no just. about a year yeah and you're just. building it up you're just building it. up you're like I'm not going to work. building it up building it up I'm not. going to bring in any money in order to. pay it off building it up building up. and it's going to you and you're going. to be in the middle of college interest. is going to be acing like on the student. loans you already have even though we. haven't completed college so it's just. like well those those actually aren't. ACR because I I I don't think I deferred. them but I applied for a plan where they. wouldn't acre interest until a certain. point in time yeah interest has Ur. though yeah I think it a crude preco I.

want to say then the belt card that's. just rent and it gets paid off every. month I better I don't know how you do. it it's it's because you made $400 you. has to be you have to be getting money. from someone or. somewhere well I had so before I. switched my job I had a bit of money. saved aside for that month's rent and I. held it in my bank account so then I. added it and then I made sure I did that. and now what's the plan I I didn't have. a plan past that I thought I'd be making. more money yeah new plan get.

job that's what adults do yeah I think I. think that finding a supplemental job. would be a really good idea and I've. I've genuinely been struggling with that. in what ways I a lot of the jobs that I. have applied for. which you know ultimately I guess isn't. too much um I tried for probably only. about a week and then I just kind of. gave up but um well that's obvious yeah. yeah well a lot of them just wouldn't.

take me wouldn't respond to me because I. had another cing job where I wasn't able. to like commit to a shift because if I. get called into work I'm going to pick. the thing that I want to do more I don't. care about what you want though I I mean. I I always will yeah I mean I always. will I will care what about what I want. you put your wants above your. needs you will always put your wants. above your needs if so this conversation. is pointless that's be honest that I.

don't think that that is a true. statement I do not always put my wants. above my needs right now you just said. you always will though so I I know I. said I always will care about what I. want I never said I would always find. wants above my needs I can care about my. needs. too okay well that's not how I took that. but sure okay I will trust you and say. that's what you meant so if that's the. case. then go work one of those. jobs today when you get back home when. are you moving back to New York April. 14th is a job going to hire me for a.

month was the what was the point of this. whole networking thing that we took. advantage in the because if I come back. I have the connections if I work other. job that money disappears I don't know. where I'm do you mean that money. disappear you're just building up debt. right now future money is disappearing. pretty bad future money's. disappearing are you talking future. money yeah that's true student loan. somewhere at 5% right now you're not. having to pay it um the status is in rep. but it's in the Loan program you're.

in but interest no your interest is. still. curing you are incorrect your interest. is still acing you don't have to make. payments right now you might be on some. income based thing yeah and you're not. paying any interest your interest is. acre your total principal balance. started at. $111,000 but what you're going to pay. back in total at the end on your current. path. is.

[Music]. $223,300 that's not how this works it is. an instant good Feelgood thing it's a.

sigh relief when we're just like we're. not GNA worry about this today it's a. tomorrow thing yeah it does there is. trust me I get that feels good that's. not what an adult does yeah and. congratulations 23 welcome to adulthood. you've been here for a couple years now. now it's time to level up our Behavior. to reflect that's that's the plan with. school is if I can go back and do it. with smaller amounts of debt I will have. a better P job school you're what you. don't get the scholarship cuz you're. banking on it if I don't get a well I I.

it's it's. pretty I'm not going to say it's like. sure but I I can get a scholarship let's. say let's say the likelihood is high. it's very high well let's say it's high. there's still a chance you don't what. happens if you don't and that's an if. well doesn't that doesn't that go. against all the other stuff of like. having a plan like the plan is this it's. banking on a good idea I don't want to. take out a bunch of money for no no I. know a plan so the plans I usually talk. about they're more plans where there's.

steps along the way to execute in order. to hit a goal what your plan is relying. on is hoping to get accepted into. something there's a lot more out of your. control there yeah it's it's definitely. kind of a backwards mindset but I I. would say I would say the steps with. this are continuous Improvement and. keeping contact with people who know me. and know that I'm improving and then you. know there's the think he might be. relying too much on on this hope that. other people are going to be the ones.

that save you these connections that you. formed networking Is Not a Bad Thing by. any means especially in the industry. you're trying to. do you know your career in yeah you're. like taking a big. bank on these other people on the. scholarship a lot of things outside of. your own control it is it is a big. gamble I guess if you put it that way. yeah but I but so why not be the one in. control well. I I am not in control financially that. that is that yeah I mean okay but to to.

make the argument that I'm totally out. of control is wrong I I'm in control. with my skill level I'm in control with. whether or not someone accepts you. there's also the academic there's the. academic part that's in my control too. is improving my GPA at College in order. to get accepted that that's totally in. my control what's not in my control. right now what can you improve your. overall GPA too even if you have a. perfect semester Perfect Two semesters. of Community College what will it. improve your overall. record to I don't know I haven't I have.

not looked at that that that is. shouldn't we know before we're. committing to this big plan you're. already planning to move back to New. York to execute this but you don't know. what you can raise it to overall I don't. know the specifics but I do know I have. to go to New York anyways and college. come well I'm not I can't pay rent I. can't afford it that's it's really. obvious well yeah but that's cuz you're. choosing not to work that's a choice you. could live here if you wanted. to I and also what about your. relationship I mean that's going to you. with your relationship right. you down here together yeah but we. started long distance okay and you're.

going to go backwards now in that aspect. yeah we are going to go back I also it's. it adds extra stresses to life it does. but it also quite honestly I'm. not I I don't really like it down here. to the level that I'm mentally like. super okay and that's something I really. had to be honest with myself about and I. had to say hey I want to I want to go. home and I want to make sure that I get. mentally okay and that's once again. that's that stuff that's over on the. side that that factors and everything. but I don't want it to affect the. accountability of well I'm down for that.

if that's the reason you said from the. beginning I'm totally down for that but. you said I can't afford to live here you. can you're choosing not to so okay okay. yeah I'll concede on that point so in. the cash app we just sending money to. someone and we're just uh transferring. money out somewhere so really not much. there and we're using Fidelity as a. checking account we started with a lot. of money and we only ended with. 1,000 yeah I you know what there is a. lot of relying on other people with that. stuff where you're looking at started a.

lot of money ended with and it's um I I. had some stuff put away and then when I. decided to stay down here and you know. pursue the relationship I put a deposit. on an apartment and everything kind of. is it at leas up in April yeah good. that's yeah I only I only got a. six-month lease because I as as much as. you were prepared to fail weren't you it. usually doesn't set us up for success I. I am as much as you're saying that what. happens if this doesn't work what. happens if this doesn't work I always.

tend to put up contingencies that. prepare my worst case scenarios to not. spiral so that's what I do and it's like. it's a it it is it is flawing but the. contingency of example I'm in debt right. now I'm home in a month that's the. contingency I can't acrew a ton of more. debt in that time even if it sucks it. it's not going to be wait wa like. there's no way for me to if if I can if. I'm just if I'm just paying for food. don't have to eat $1,000 a month okay I. I can probably save money by eating at.

home I I I probably I mean $700. mathematically I have never been able to. do that in practice go through our. program okay all right maybe with your. program I'll I'll I'll resend that point. but right now I I able to do it if you I. well the the the other yeah all. right sorry go ahead all right well so. the other the other aspect of that is. realistically do you just said yourself. that you go get lattes and stuff or or. Moon Moon milk right I don't have bad. debt and I have a fully fed emergency.

fund and it fits in my 50320 you have. bad debt you do not have a fully fed. emergency fund you are not in your 5032. period of your life I can afford it you. can't yes I agree with that. 100% with all of that realistically is. somebody going to be able to hold to. that plan and I. know I would find it incredibly hard to. hold to that there's certain things that. I would I would in practice I would buy. the groceries and I would still buy food.

and it was always me when I was doing. that and I it would every time well you. didn't go in with a plan you said that. before I didn't well I actually did. multiple times with Aldi and I well now. you're lying then you either lied before. or you're lying now choose which. one I didn't fully finish what I was. saying before okay there have been times. I've gone to Aldi I know that I have. issues with cookware and stuff they have. like kind of pre-prepared stuff that's a. little cheaper and tried to keep to a. decent plan I spent about I spent like.

100 150 bucks and that was one week's. worth of food and that was even that. will save you so much money yeah it it. in theory it would but then I was also. like my girlfriend asked hey do you want. to go out and grab this thing because if. I'm just buying food for myself I'm. going to go do it and in in practice. don't start pushing blame you can say no. you can say no or you can say I can't. afford it and then she might off I'm not. pushing blames I would always want to go. do that and I would always want to go. there and I would be the person who. would always be like yes and I would I. would sometimes I would pay for her too.

and that's just what I wanted to do. whether or not there's blame that that. was a that was a decision that was a. choice but again what's more important. than. wants needs yeah so you have a lack of. discipline yes and you know that's okay. it's lack of discipline we get you the. discipline uh lack of accountability. lack of plan preparation a lot of things. you just have to be willing to change. that and if you are but you've already. set yourself up for defeat you said uh. I'm not going to be able to do this is. what you said I set myself up for.

failure a lot I put contingencies in. place contingencies are okay that's what. an emergency fund is it's a contingency. in your financial life but setting. yourself up for failure is not okay. you're allow you're giving yourself a. preemptive excuse to fail trust me it's. not going to be perfect when I was. getting out of debt and I went hard and. extreme I had slip UPS I was not perfect. and of the average people on the show. who paid off $88,000 or seven $8,000 in. 7 months or the median $6,000 and 6. months um if I'm getting my numbers.

right they had slip UPS along the way. too it happens but preemptively excusing. your future slip up is unacceptable cuz. that'll just spiral man that'll just. spiral that's justifying it's making it. okay and you're doing that and that. scares me that's that is I I can see it. and that is that I agree with you that. is genuinely the the biggest problem is. is it's oh man yeah it's just uh. in your Fidelity you're just. transferring things in and.

out your venmo is uh again just back and. forth yeah back and forth with. people oh great what is this cash app. this is money coming in for your uh mom. 5050 50 300 100 that's all only. Transportation uh that's where was that. I mean February was 35050. the 300 the 300 was because I bought my. own Christmas gift back in December and.

she wanted to reimburse me for that. that's what that was the 50 is. transportation stuff uh Mama. Josh what are we going to. do I I'm very aware that I wouldn't be. able to really survive without it right. now I'm very aware of that I'm not it's. not like a place I want to be forever. but it is absolutely a place that I am. now by. choice a bad choice that I don't want to. be there by choice by by choice yeah. yeah. does your mom know that you're choosing. this yeah I mean choices are she.

enabling bad behavior I'd say. potentially. yes does she know wonder how informed. she is I I I don't know her but looking. at her picture she seems like a very. nice lady she's a very nice lady and I. think that she's helping until I come. home but is it actually helping you and. that's what I don't know $3 sitting in. this extra accounts doing nothing. whatever that's it so you have nothing. in retirement. scary retirement no scary yeah you'd.

want to start now it wouldn't it. wouldn't be anything significant now but. you'd want to start now of your spending. categories y'all this is the time to. switch to my favorite high yield savings. account with Sofi you can get 4.6% on. your money I hate when my money is just. losing value so make sure you're keeping. up with inflation at the very least you. can also get FDIC insurance on that. money up to $2 million with them plus. they'll give you money up to $300 when. you set up an account with them there's.

even extra perks like being able to get. paid a couple days early Sofi is what I. use when I'm setting money aside and it. is the banking app of the future sign up. link in the description below I always. want my money to be making more money so. don't lose money on yours first of all. remember total income that came in just. from. Paul 995 of this was from your mom. essentially well no from from venos in. venos in total that I can I also get. paid in venos sometimes for caddying. okay so total that came in from venos.

about 500 of that came from your mom. with the 300 with the 300 it did but. that I'd already I know but that all I'm. saying is that's what came okay so what. probably actually came in minus what. your uh minus the gift was about $1,000. yeah probably what it came in but total. spending was. 27509 yeah housing. $1,182 68 or4 2.9% of your spending. Transportation. .9% where's where where are the.

transportation Bills going to her card. oh that's why I don't see them yes. they're going to her card yeah it was it. then why is she sending you $50 here and. there what do you mean with was if it's. going if it's charging her card why. she's sending you money okay. yeah answer the question sorry I'm my my. brain is like short circuiting sorry if. for could like just take a moment it's. it's okay cuz I I I know the answer and. I'm just like lost and I'm not I don't.

feel like pressed or anything I'm just. kind of like just lost no that's okay so. my mom my mom does cover Transportation. she cover she covers that that is going. to her card via lift which is why you. don't see it she was also sending me a. little bit $50 a. week which was helpful and she was being. nice and doing that just just to just to. help cuz she knew that I was struggling. with the not getting work and we've. talked about it and it it is much more. nuanced with that with caddy politics. and what I thought I would get and. wouldn't get and she was like okay I can. help you a little bit here's what I have. she's very very kind when it comes to.

that that's what you're seeing with the. venmo I thought you were looking at a. different thing but you know now from. the beginning when you said she only did. transportation that is now incorrect. because she has giving you a couple. because she's giving you a couple. hundred bucks a month she pays for yes. she pays for transportation she helps a. little bit as well okay I wasn't trying. to Omit anything I just and I'm. concerned that it's not actually helping. you it is not helping me financially. that is objectively true cuz you're able. to L skate by you having access to the. credit cards is not helping you it's. allowing you to be.

lazy necessary food us your grocery. stores. 16.8% $462 15 expensive going out to $82. 53 cents or 29.1% of spending unknown. shopping typically Walmart Amazon I. think in your case it was Walmart we. just don't know what was there 4%. miscellaneous BS is a sto and getting. some bull 8.6% or $236 38 other large. purchases.

1.3% now I think in some of the. miscellaneous I think we may have. calculated some of the golf things there. which is not totally fair uh yes it was. well I mean mini golf come on let's not. tax the yeah you you yeah no that's not. tax blizzard. AMC now Champion clothing that was for. work Adidas and what so that's okay what. I will say AMC but still out of before. you say that just still on this that's. the food spending not only is the food. but with some of the miscellaneous Bull. and probably overspending on groceries.

as well cuz we're just food food. food um I'd say about 40% of your. spending is unnecessary what were we. going to say well that that was that was. oh with the AMC thing is the AMC Stubs. is great entertainment value if you're. trying to save money and get oh save. money sure I wouldn't if I was if I. wanted to see movies yeah and I could. only afford the movie theaters I guess. said go to the movie The I think we've. established I can only movie theaters I. think we have well no I don't think you.

can afford any movie theaters yeah there. you go in reality. but. okay total. income th000 plus Mom. 1,200 I guess. yeah it's going to be. interesting oh people people get upset. if I don't make the. budget cuzz Everyone likes to be upset. at everything oh. but this changes in a month you move. back home so is there even a point to.

this is what I. ask I mean you you. could I think your job but your spending. is going to be different you don't have. rent you don't have this you don't I. don't I don't think there's a point to. making a current budget immediately I. think that maybe like a helpful like. kind of rough plan of like what things. should be going totally could do wonders. for me okay sure well that's fair enough. these cards man they make me nervous.

right now they haven't bloomed to. something. that's like will destroy you yeah. they're in the beginning process of. turning into something that could. destroy. you I'm a little nervous relying. everything on this scholarship I hope. you get it I'm rooting for it if you get. it yeah all about it I'm a little. nervous relying on it especially we if. we don't understand where our academic. standing is going to be after Community. the academic standing is the hard part. the other stuff is that that's. appreciate your confidence and your. skills number three in the lobby.

but one one me I've never played that. game I know I I'm sure if I played what. city skylines that you'd have a little. bit more experience than that I would. build such a better Highway than you so. it wouldn't look like Dallas. highways uh depends if I wanted my Sims. to suffer or not yes but. okay if we're moving back home let's. assume the balances are going to be like. 500 bucks more when you move back home. okay so you move back home what I would.

like to do focus on that Community. College so you can get your grades to. where they need to be it sounds like Mom. is going to be covering living expenses. potentially Transportation at Point well. I have a car up there I just don't how. am I am I going to ship a car to Texas. there are things called roads yeah I. mean I I know well okay I actually I. brought mine down I will tell you the. actual reason the first the first is it. started as a visit and I didn't know if. I was going to get a six month and I. ended up doing that okay once you signed. it that's when you back and get the the. second thing is driving down here is.

scary on Dallas highways compared to. like where where I'm from and I just. never got over that hump and I was. always just like in six months I'm just. going to be gone it's going to be okay. so you knew you were going to be gone 6. months from the beginning so again you. set yourself up for yeah I did some if. you want to look at it like that yeah. but the idea was I just you know I I had. I had a good idea that I might be I. didn't I had not decided whether or not. to permanently stay or leave and I was. kind of in a state of limbo and I was. just there was no direct plan okay but.

yes no the highways are scary until you. do them after a while it's kind of the. practice makes perfect type thing so you. get used to them but I I get it you just. have to this is something you have to. overcome if I'm going to live down here. 100% sure fine fair enough it was your. mom paying for it anyway so whatever so. is you so you'll be how how is gas going. to be afforded up there uh that's going. to come from uh my work probably okay so. you are going to work I'm planning to.

get caddy jobs the whole one of the. entire three isn't it going to be hard. with college though cuz you're going to. have to block off so much time for. college so so for the so for the summer. where the golf season is like really. popping in New York you're not going to. be in school I'm not going to be in. school. for fall what are we doing the other. eight months of the year seven months of. the year well that's going to be school. but the the goal is that so so you're. saving up a big chunk I I if I could get. a caddy job up there and save that and. pay off my debt that would be ideal that. would be awesome we're relying on this. caddy job being successful when you had.

a job that has made more than 400 a. month from it it's a lot of relying okay. but 400 without living expenses is a big. chunk that's 400 directly to debt well I. thought we were doing this to save up. for gas money how are we paying for gas. money during school years I okay. that's I don't know I didn't get that. far yet oh jeez buddy okay okay. okay I mean problems can be solved that. are like three or four months out when. I'm home and I have like less mental.

stress that's fine there's nothing wrong. with waiting you that's going to help. with mental stress though not being in. debt yes of course but actually having a. plan knowing what the plan is what do we. have to accomplish sometimes the. overwhelming of what you know you have. to do is still going to carry stress but. knowing you have a way to get there. other than headed into the unknown fog. that can take a lot off of your brain a. lot off of your shoulders man so I think. what is actually going to be most. important for you right now who who who.

do you who can you trust financially. career-wise who's like someone in your. corner that you can trust to have a good. conversation with so do you have someone. that is that trusted person that is. knowledgeable that you can sit down with. yeah I I what do you mean knowledgeable. just about my life or about just about. careers uh just you know good in good in. terms of like they'll give good advice. for your life for your career for your. I I actually might have a I have a. couple people in mind um I have to sit.

down with them give them your situation. cuz this is going to take much longer. much longer than any time that we have. right now but these are the things that. I want to accomplish here's my. overarching plan of where I want to hit. can we take all this and construct it. into an ABCD EFG yeah like where does it. go cuz I think that's what's going to be. most productive to you at some point. these credit cards are going to be it. some letter in that plan yeah what you. need to do is sit down for a few hours.

with someone over a meal or just. whatever and just try to. construct what do we do from here in. what order what are we trying to attack. and I think if you're able to do that. one sure it might cause stresses in. different ways at least it's not headed. into the unknown you know what you have. to do in order to accomplish something. that gets you to the next place that's. going to be what's most important for. you because right now again you started. towards the beginning of the. conversation I could end up in Dallas I. could end up doing this I could be a cad. I could be uh security we need to narrow.

down a little more and I think that's. what's going to be most important so I. know it's difficult but uh I. think hopefully this is at least a wake. up call in terms of your finances and. where your actions are and the finances. and actions I 100% agree I think it's. more of a wake up call and like so what. like like the big thing that really. resonated with me was you saying. so so you just give up buying groceries. because you haven't had success in the.

past and that like it's even with your. finances it still makes sense to try. even if it's not succeeding to try to go. down the right path. despite you know good Hammer Financial. score uh get yours for free in the. description below spending in a budget 0. out of 10 because you're putting it on a. credit card cuz you don't have enough so. just you can't get a point there debt. not the worst of the worst I'd say three. out of 10 mergency fund just a little so. 1 out of 10 retirement nothing 0 out of.

10 real estate nothing 0 out of. 10 hmer Financial score should be easy. math right yeah one out of 10 make sure. to check out all the resources Linked In. the description below they are what I. use or would use in specific situations. including the best budgeting program in. the history of the internet today on the. financial audit post show man what. scares me about you you go into so many. things uninformed yeah you're just just. you're just like it I'm jumping in I I. do kind of jump in and then swim and. that's just I I thrive in chaos uh.

sometimes I don't Thrive sometimes also. have a lot of ADHD issues and I don't. think chaos is going to help that yeah. to watch the financial audit post show. click the join button below.