Arrogant Freak Thinks He Knows More About Money Than Me | Financial Audit

36:39And also take our budgeting class, our investing class as well because you're all up in crypto, which there's nothing wrong with that specifically, but you're 100 % in. That's a little rough. And take our debt class as well so you just know how to better manage your debt and utilize debt in the future again once you're in a better position. They all get the bundle for 15 % off, but you, you get it for free. So go through that and then go through the course careers one as well. It's worth it. I promise. Will do. Your emergency fund. It was probably sitting in there at best 5%. 4%. The interest rate on this is 28.64%.

37:20Yes. Okay. So originally it wasn't for the emergency fund. I just thought that that would be a good idea. What? 28.64 %? Just to have an emergency fund going. Oh, it is great. I didn't like 20 at 30%. Yeah, that's not great. But I just I didn't I didn't want to not have an emergency fund. I didn't want you to not have an emergency fund either. But this is debt that you are owing and you are losing more money on it than it sitting in there. If you took out a debt at 1 % and it was making 5%, you could pay your minimum payment through the money that you took out and you could still make some more on top of it.

37:59in this case, you would literally be losing money on a monthly basis in order to pay this off. That's not an emergency fund. It's just an IOU at a loss. That doesn't make sense. And I need you to know that because you'll do it again. But it just feels good to have that money in there in case something happens.

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39:27well hopefully they're having fun up there i just don't get it buddy you just don't understand money you kind of like well accept what i'm saying

39:41but you don't seem to acknowledge that that is the path that you should go down like you're like yeah the money that i the money move that i did here doesn't make sense but also i don't give a so how are my vibe yeah but that look where that vibe is led you bankruptcy 2020 and then headed towards it again not being able to move to thailand not getting your business to a successful place not being able to buy a house if that is not working for probably at least a decade now why do we continue it why do we continue something that is not working it is not benefiting you the only thing you have to show for it is close but that's it i think you want more than that in this world i do want more than that yeah then why not change what is not working my guy we're working on it no you're not you're literally not step what i'm not a magic pill i like to give you a wake up call get you connected to resources build you a budget absolutely i mean that's where most americans are the basics are important but it's not a magic pill it's you actually putting in the effort but through your language here through your mindset i don't see any effort that is potentially going to be put in like i said i like to do the things first and then worry about them later and how has that worked very spontaneous i'm very give yourself a spontaneous fund dude i can give you a big fun money fund you make a lot of money i like i make rash decisions for sure i don't think you understand what i'm trying to get to that is not working it has not worked so maybe we no longer make rash decisions does that not makes sense it makes sense and i'm then will you i'm willing to try yes to try try try for who for you it's not for me me it doesn't matter i don't matter in this situation dude none of this is about me none of this is about me this is your financial situation if you're doing it for me you're gonna fall off in a month and a half if you do it for you you end up like the average guest i'll do it for me and for thailand for thailand so what is it gonna cost to get to thailand after we've built the 250 paid subscribers.

42:08It would cost about 15K for the digital nomad visa, which is a five-year visa. And it would cost the plane ticket, which is probably like a thousand. It would cost... You don't even have that. But the good thing about Thailand is I could live off of$1 ,500 a month there and really get ahead. That's kind of like my whole plan is to... Get ahead. What's get ahead? What do you think get ahead is? Get my savings up to what a 33-year-old should be at at this point. I can't do that. The earnings are going to be less there. I can't do that in America unless I'm making like$150 ,000. That's not true. That's objectively not true.

42:46People who budget, people who sacrifice, people who actually act like fucking adults and act like they have responsibilities and make a plan, they get there. People can do it on$50 ,000 a year. People do all the time. On this show, they do. In the audience, they do. Think you need$150 ,000? What the f***? Maybe if you live in Manhattan specifically, sure. But you don't. Not even close. I think I should preface that with saying that I don't want to work until I'm 65. I'm not trying to sit here and be slow about it. But you're not even close to being able to get there anyway. I'm trying to retire by like 50.

43:25But you're not even close to that. That's Thailand. You'd have to retire in Thailand. I mean, I could retire in Thailand. You would have to. You're not going to retire in America. years there, I could save a lot more money than I could here. You wouldn't because you would spend it all. That's all you do. You could save a lot more here than you are. You're not saving anything. You could. You're not. Your actions are doing that. It's just going to translate over there. Just like after your bankruptcy, that didn't save you from debt. You're going back into debt again without a behavior change. No, you're just going to blow all your money.

43:53Also, in order to get there again, in order to make that amount of money where you're actually saving a lot of money, you need to build and scale your business a bit more. Now, it's going to be more difficult for communication-wise overseas. So you're going to have to do that before getting there, which means you need to budget before and actually start taking an accounting and being responsible, setting goals for your business and managing it correctly and figuring out a new sales path strategy because your only customers are the sticky ones that you've accumulated over the course of like a decade.

44:18So I don't see that plan happening. It doesn't make any sense and you're just going to blow it all on clothes anyway, the money that's coming in. No, I would just say no to everything you just said. A thousand dollars for the plane ticket. You can barely even afford that let alone the$15 ,000 visa. I don't know what you're talking about. You lost up your own ass my dude. I plan on with my cold DM strategy to get to that. And how has that worked? I haven't started it yet. Cold DMs. That's like the basic most like, like good luck, dude. I get cold DMs all the time. Guess what? I've never answered one cold sales DM.

44:57Would you answer a cold DM with a website that's already built for you i'll be curious huh i don't know i don't know yeah i'd be curious 250 people it's a lot how are you getting to that 15 000 to get the visa because you're not getting there now not even close your savings again went down and we have a 30 % interest loan on a personal debt of$6 ,938 at$225 a month. So I did also, I start in January, take on a side gig with a lash extension company that wants me to. You make enough money. You're not budgeting it and managing it correctly. This isn't an income problem. But go on. And they're going to be paying me$1 ,000 a month.

45:50So I was planning on piling that away. No, you wouldn't. You don't have money coming in that you don't spend. Anytime you make more money, you spend it. And also, you have to make that extra 12 ,000 hours a year because your 20 ,000 hours a year in website building is going to zero now with the clients you have. So you essentially have to do that to somewhat make up for the 20 ,000 you're losing. So it's not a net gain anyway. And obviously you went into debt making more than you're going to be making starting in January. So I don't see how that progress is actually going to be made. Do you see how this math is working?

46:27See where my brain is going? I see it. So good luck. It's obviously not going to work. I think it'll work. You're just assuming that$20 ,000 is still there, but it's not. It's not there. But with the thousand and with the influx of amazing customers that I get this year, I'm going to be there. Oh, you are just so really are up your own ass. This is crazy.

46:59Okay. What's your plan for this 30 % debt? Personal loan. A stupid one. Start paying it down. You haven't. So you're going to start saving up for the$15 ,000 and starting to pay this down? Mm-hmm. What's going to change? Because you haven't. Well, you made more money. I'll spend less money. And how do you do that in your grand wisdom? Just make a goal for myself. Oh, for f***s sake. A goal without any actions is not a goal. Okay, and take action after. And what actions will you take? Paying the debt down. paying the debt down is not spending as much money what the f**k are you saying I could use I could use the thousand dollars that I get from this new job to pay the debt down it'd be gone by September yes I would like to save it but maybe I'll just put it towards debt

47:58oh god I don't oh you just you seem just so confident in make-believe which is probably why you've gotten to nowhere at 33 you're not successful you are a failure you have good income but you're literally on the books a failure and i want you to know that not in like a harsh brutal way but because in your brain and probably people around you because you do have clients because you do make money you probably think you're all that you think you're the probably think you are successful you are literally not you are literally by definition of failure and i need you to know that not from a mean way but so that you can bring yourself down to here and realize that maybe you should change your path and actually put in some work and not continue the same thing you've been doing for a decade and a half now i'll manifest it i'm gonna kill you hopefully you just said that just to me no and not because you're like actually or something you don't believe in manifestation you said i asked you beforehand you said you've seen this show i can't remember a time that you said you don't believe in manifestation how does that get us anywhere why does just believing instead of putting in the work do anything no i accomplished by putting in the work now by sitting there going oh please well manifestation is actually the please plus action uh-huh but you do none of the action so if that's the definition five is the time for me to do that to do that action it's such an artificial area when we decided a new year starts that doesn't actually do anything move to thailand you need 16 000 hours minimum to do it you're not even close to that you have a thousand dollars down from 2500 in savings over the last month you spend two thousand hours more than you make on a monthly basis meaning you're going to be negative a thousand hours over this next month what are you talking about you can't move to thailand until you're substantially higher in the reoccurring monthly reoccurring revenue which you're not getting to because you haven't figured out a sales strategy has worked you're going to try a new one i hope it works but you haven't proven it yet so i don't know what the you're talking about that's not manifesting that's being a dumb it will work i don't know how to deal with people like you i like i i'm i just i'm tempted to just end it in that situation because that doesn't get us anywhere that mindset is the mindset of a child how do you have that at 33 it will work it hasn't worked it has not worked when i have a goal and i I try things to get there and it doesn't work.

50:27I change what I'm doing to try to get there. That's what I'm going to do. But you're unable to define what you're going to do though. You're unable to define it in detail. I'm going to start a cold DM strategy. I'm going to put the thousand dollars towards debt. Maybe. And I'm going to spend less. Yeah, but you haven't said how you're going to spend less. And how you're going to manage that. how you're going to grow up how you're going to change i will cancel my audible membership and get a library card okay it wasn't just about the audible that's just that's just like when i call spotify constantly it's just the example of the discipline and the lack of lack of sacrifice the the example of just endless reoccurring expenses that are you it's not just about the okay cooks over this one's a higher credit card balance in The last one,$3 ,469.75 with a$121 minimum monthly payment.

51:31Great. We're purchasing again while interest is accruing. So getting to that goal, yeah, really manifesting it by f***ing yourself. This one takes 18 years to pay off. Congratulations. And that's without purchasing anything. So all done. We can get to Thailand in our 60s.

51:54prime order and then prime video like a movie rental or something yeah it was the substance have you seen it incredible loved it margaret is my absolute wife even though she's married she just doesn't know it yet but perfection yeah she is i agree

52:12total interest charge this year over a thousand dollars we're really getting us to Thailand quicker it'll be handy to pay off all this debt in order to get to Thailand but in the path you're going in order to survive in Thailand you're going to be the one giving the handies 30 % interest on here I don't give handies

52:48volkswagen

52:52okay we're almost halfway through your payments it looks like a three four year loan ish the vw what is it it's a lease great so i wonder what they f***ing baked in there oh what's your what's your buyout at the end you know if you bought it out today what would it be plus the 9 312 still remaining i think the buyout 16k okay so even today then if you calculate the 16k plus the 9k you still owe on it you're underwater by about seven thousand dollars so if it appreciates at a relatively similar value of your minimum monthly payments you know which probably won't necessarily but you're on track to probably be underwater regardless when you buy it probably because when you got this the car market was much higher so it was calculating that buyout value to be higher at the end but the car market value has corrected a little hasn't gone to where it was pre-pandemic probably won't for a long time at least wasn't the thing to get in there man and then they baked in fees and bull in their version of interest essentially into that minimum payment it's probably something like 15%.

54:01I think so. I did have my stepdad cosine on it. So it's definitely lower. Your stepdad's on this. For fuck's sake. That is not fair to him. What are you going to do with this, by the way, with the multiple years remaining still? And you want to go to Thailand and your dad, stepdad is very much on this still um i loosely have thought about that i was thinking of just buying it and then selling it immediately where is this 16 000 no whatever like 20 000 is coming from to buy it right now if you wanted to 25 where's that coming from to be honest i didn't realize that you still had to pay if you bought it out that you still had to pay the rest of the payments so that yeah is thwarting my idea here a little but how do you think you would do the 9 000 anyway you can't do a 1 000 flight oh my your vision how you think you're gonna get there is so incorrect and so just it's so misguided and it's just gonna lead you to a place of never accomplishing anything and you're going to be a failure at 63 like you are at 33.

55:24And that sucks. And I don't want you to be there. And I need you to correct this mindset. I need you to correct this mindset. I will. I don't know, man. What if I take a loan to buy the car and then immediately sell it and pay the loan off? How are you paying the loan off? You're not already paying the lease off. The f*** you're talking to me? I have to get a$25 ,000 loan to pay off this$9 ,000 and then get the car. You don't know what you're talking about. No money. You spend$2 ,000 more than you make on a monthly basis. You're not going to pay off the slump. Shut the f*** up. No, that's the dumbest thing I've ever heard.

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57:42And when you're ready, use the link in the description for$50 off the full course. Your future starts right now and Course Careers is here to help you shape it. Okay. But what it, I mean, after I buy it, I sell it, take that money to pay it off. No, because again, if you get it right now, it's going to be$25 ,000. It's worth 18. You'd be underwater. Okay. Yeah. Okay. So the plan that I had originally is not sounding as great now in my head. No plan. No plan you've had sounds great. I've been able to put a hole in every plan so far.

58:25Yeah. And now I have a lot of thinking to do. Oh, if that's what we get from this conversation. Maybe I have to push out Thailand a little bit. If that's what we get from this conversation, that's actually at least something good. You know, if you're actually thinking. If you're actually thinking after this and you're able to reflect on this, I will accept that a little bit more. So student loans. Yeah, 53. Again, it was my least concern because the interest rates probably aren't. There's a couple over 5%, but there's actually quite a few, about 7%. These are not good federal student loans.

59:02$53 ,048. What did you do? what was school? IT management. Business IT management. Gosh, you could be making even more money and you're already making great money. Okay. Four years? Yeah. Where? WGU. It's an online school. I thought that was cheap. I thought WGU was cheap. How do we have$53 ,000 in student loans? It's cheaper, but it's not like... Yeah, but you could do four years and not do 53. free. Yeah. We're using student loans for other things like living expenses. I did get like a refund from each of them. And you use that extra that refund. I do use that. You should just put it right back.

59:51It's not a refund like free money. It's still money you owe. And now it's a 7 % stupidity death. I give you an example. There's a coin based account in here, right? I think. So if I use my brokerage, which is Moo Moo. If I put all the money in there, what you're smirking like a little, what? Oh, I'm just listening. Okay. If I put my money in there, I invested in the S &P 500. It's getting eight to 10%. Let's just do 8 % like the market history over the course of the entire history of the stock market. Let's say that. Yeah. Wonderful. That's only 1%. That's only 1 % made versus what you are losing on these student loans almost essentially not worth it because the risk over your head of the student loan something not forgivable by bankruptcy if you have learned is to hold that over your head so there is no point of using that money for living expenses because you're not beating it in the market you signed up for the student loan debt after your bankruptcy i did so you just went to school so you went to school in your late 20s yes but why aren't you using this degree i'm not fin i finish in april so i oh you're still going i'm still going i'm not paying why i asked you how long the degree you should have told me you're still doing it i'm almost done it was a four-year degree i took a little breaky and here we are and nowhere in your plan has it been in the plan it's not in the plan what are you doing Why are you spending this money then?

1:01:27Okay. Why are you okay with just getting more debt? So the original plan when I, okay. So my, I had to shut down. I had a studio in Vegas where I did hair. I had my own studio and we had to shut down for two and a half months. And so during that, because of the pandemic. Okay. And so during that time I needed some sort of backup plan and kind of my thinking was oh i could i could have a bachelor degree and go to coding boot camp and become a coder if like the hair thing doesn't work out yes but after a couple semesters when the hair thing was working out why'd you continue i wanted to finish it you're finishing it's fifty three thousand dollars you owe now i don't give a shit about a piece of paper that you're never gonna use i didn't want to owe and not have anything for it yeah but you would have owed maybe five to 10 instead of 53 and you're still not going to use it that's the dumbest your plans you said you sat and thought about it you sit and think a lot but you lead to the dumbest conclusions ever every time maybe you shouldn't think maybe not but at the time it felt good no no you just need to like and talk to professionals before you make these big decisions or surround yourself with smarter people.

1:02:47I'm a spontaneous person. I make really quick decisions and then think about it later. But even you're thinking about it later isn't getting you anywhere. So you graduated in April. What's the grace period after that, before payments start? My payments will start in November. And it's probably going to be about 700 bucks a month. Mm-hmm.

1:03:14it's gonna it's a horrible okay

1:03:23huh seven percent death stupidity so yeah savings went down from 2270 to a thousand why where to go well we spent two thousand hours more than we made on a monthly basis so we could fuel 750 hours or whatever it is in fast food spending well done go ahead i'm not exactly sure where that savings went where do you think it went you intentionally took it out so try to think i know you like to clothes maybe that how much did this whole outfit cost probably like 1500 dude i just like restocked my winter winter winter wear for the first time in literally five years i have not bought a single thing in five years for winter wear just doesn't get cold down here very often um and i use my friend's discount at express and i spent 1500 total to get like i could wear a new outfit for three weeks that was 1500 and one outfits 1500 this is the fucking thing and you have debt and you're not hitting your goals i'm gonna you're just well i can't comprehend your brain so this outfit was from my old spending so this isn't a recent outfit it's still the dumbest thing ever i don't care when it was.

1:04:50You still spent it. I did. Okay. A little over a thousand in your checking account. He went in, got some bullsh**. Amazon, DoorDash, and Whataburger, Amazon. Who's that are you paying to look at? Only. Do you want to know the name? I guess not. Why are we subscribing to that, though? I like him. Just get you a little grinder and go have fun. Why are we paying? You think I don't do that already? Sometimes I want to be alone. Listen, listen. I get a FAP sesh. I get it. We all have them. We're dudes. It happens. I don't pay for mine. Why are you paying, guy? It's so dumb. And also, there are sites where you can see what's behind the paywall for free.

1:05:41Oh, really? Yes. I'm not naming any sites. You can tell me later. No, because I feel like I'm going to fuel some addiction or something from you. You're already paying for it. But why? Dude, we have debt. We're not hitting goals, but we're paying$8 to see an anus. It's only$8. Is it a good one? Yeah. How different can an anus be from anus to anus? It's not just anuses. DoorDash and Pete Terry's. I swear if there's any more OF on here, I'm going to die. It better not. I only have one. How often do you do that? Like pay for it? Yes. It's monthly. Oh, you subscribe to him consistently? Yeah. Oh, my gosh.

1:06:22You actually, I wondered how they all made money. That makes sense. That makes sense. People like you. Professional Gooner. Look at you. Slotskis. Apple Bill. Amazon. McDonald's. Lime Pass. You take the pass for the scooters? Jeez. McDonald's. More Lime Pass? For fuck's sake. City cashless. City cashless. City cashless. City cashless. What's all that? it it's like a million dollars i think the that was during acl time ish wait yeah it lines up okay what is it so like the line pass no city cashless i think that's probably at acl i don't oh yeah i don't yes it's tapping your little wristband so you're just getting drinks and endless you can't even afford to live mind you this is likely what you took a thousand five hundred dollars out of your emergency fund which is owed at 30 percent in debt i'd say for a music festival well done did you see my lesbian wife chaperone though yeah she was amazing i got coveted for her it was worth it it was worth it i love her google apps commie that makes sense taco bell mcdonald's connoisseur smoke professional like fancy lung cancer oh i don't i don't smoke cigarettes i don't even yes i mean what did you think it is you could have told me like why did i have to go down that that was like why did i have to go down a rabbit hole to find out you know what you smoke food food food food food food all the music

1:08:06There it is. I told you it was going to pop up. Twin Liquors. Getting drunk and Twisted Cork Wine. Getting more drunk. DoorDash and McDonald's. DoorDash and McDonald's. Starbucks. UberTrip. UberTrip. Canva. I can see Canva for your business. But ChatGPT. Make me for your business. I don't know if you need that. I think you can figure out things. DoorDash. You DoorDash for Sprout. You DoorDash for crazy. That was a$50 DoorDash. Venmo in out$100. Creature? DoorDash gift card? $50 DoorDash gift card? You getting a gift card from DoorDash? What kind of gift card are you getting from DoorDash? I got a gift card because my friend watched my cats.

1:08:45So I bought him a gift card. Barnes and Noble. Buddy Library. McDonald's. Venmo in out$25. Venmo in out$17. Ducks. Snah. I have no idea what that is. $26. $70. $0.25. Rented something on Peacock, I think. Uber trip, DoorDash, Pass. So we got the subscription. Southwest in-flight. You told me you purchased... Last flight was a year ago. Well, that was when I used my points. A year ago? You mean? Yeah. Well, where'd you go this time? Because you got hotels, too. It was for the Lash Extension Convention that I go to. Lash Extension Convention? convention we just walk around and see who has the longest fake lashes and looks the fakest it's i used to do lashes so i go to this convention every year convention and now they hire me to work at the convention oh i'm sure it's the grinder hot spot in the country it's actually there's probably only like three gays there so it's actually kind of mostly women you'd love it but i don't like the fake ones you know there's not all fake ones but their lashes are probably just like weapons hit you across the table some of them blink flosky's apple doordash and asian playbook technologies what's that it's a workout app you need an app to work out well it gives you like all the a workout plan i'm a fat and then it shows you how to do the workout i get it you worked out so you go get mcdonald's and then you venmoed out 47 hours buddy boss.com 300 bucks.

1:10:25That's a, um, a plugin for WordPress website stuff. So that's more business. We need to figure out that annual or monthly annual. Okay. Uh, Shopify, Amazon, Netflix, McDonald's. This is the endless dude. DoorDash, you eat horribly by the way, you eat worse than I do, but you work out. Amazon DoorDash, something uh quay usa amazon atm which are 120 bucks who knows where the f*** that went went to a restaurant door dashing free birds water burger venmoing out five bucks stars entertainment someone pays for stars entertainment i didn't know the company existed today i paid for it for like a month or two door dashing peteries door dashing fat weird something what the fuck is weird i think they're door dash a bear to your house what fat weird cookies amazon p terry's door dash and free birds door dash and free birds 7-eleven door dash and water burger blonde chronicles i'm gonna kill you dude this is crazy your behavior is out of control went through a bankruptcy didn't change anything It's a joke.

1:11:45What a joke. Fandango. Where was Fandango for? A movie. Oh, that's right. Why did I associated that with a concert ticket? I don't know why. McDonald's, DoorDash and Free Brits, Dreamers. Can you just go in and pick up food? I know you have a car. I'm lazy. No. And that's not getting you anywhere other than another bankruptcy and never accomplishing your goals. Congratulations. Dreamers, Amazon, DoorDash and Whataburger, DoorDash and something. another Apple bill kind of subscriptions. Do you have man? All right. Pull up your Apple subscriptions for me. Let's take a look. Oh, dreamers is up. So not just paying to look at other people's, but you're getting your, what did you get?

1:12:28What little equipment did we get? What weapons did we acquire? I feel uncomfortable to admit this, but we have poppers in the office. Oh, what's that for? It was the white, uh, It was the Secret Santa for our member stream and for Hammer Elite members and Hammer VIP members. Join our membership, support the channel. You get to witness insane shit like that. Was not expecting that. Who got Cameron Poppers? Jared. Our newest employee bought the guy who runs our membership, Poppers. Brave of her. That's hilarious. That's very smart. Everyone was just with each other. uh okay in e-sign apple care plus oh and there it is there's grinder it's expiring yeah but you'll renew they always do gave up bumble you just went for the hookup version instead yeah it's quicker it is but you're not going to get anything sustainable from there you want a partner yeah okay i don't know if grinder is the way to go you never know i've gotten all my partners off of grinder really so the world also hasn't been successful one of them lasted six years it's good didn't last seven it did not yeah savings joke coinbase okay so what do we got going on uh ton of crypto but how much in crypto like cash or uh it changes a lot obviously what's your crypto account work today i think it's sitting at 12k what in crypto pull that and pay off your f***ing debt are you stupid no no seriously no i'm not even kidding sell it today and pay off your 30 debt dude i'm not even like against crypto or anything i think you can incorporate it in a small percentage in a balanced portfolio but still You have multiple 30 % debts.

1:14:31Okay. So it was 16 ,000 last week. So I would love to take it out and pay everything off. But I've been holding on to this for so long. Like I need to wait until the end of next year when everything is going to pump. Like it could be worth hundreds of thousands. I'm going to kill you. I'm going to kill you. It could be. It always could be. It always could be. The country could collapse. There is a pattern. There is a pattern. Pattern or what? But in general, Bitcoin these days, when the market goes up, Bitcoin kind of goes up these days. It's kind of what you're seeing in general. Well, if you look at it every four years, there's a huge pump.

1:15:05Like when Bitcoin went. You wouldn't say we just had that post-election? No. That was huge though. That was tiny. It's going to be four or five times that by the end of next year. What is your confidence in this other than your manifest bull****? If you research crypto. It was a huge pump. What are you talking about? It went from 58 to 96. It did pump. That's the third largest pump Bitcoin has ever had. Oh, but it's not that big. What are you talking about? It's the third largest in terms of percentage increase. It is. The other was 2020, and then the other would be 2023 into 2024. So what the f***?

1:15:45You're insisting it's going to go again? So there's been three major pumps, and it looks like it happens once every half a decade. yeah every four years there's a huge and we just had one no the last one was 21 and 22 so the next one is 25 are you kidding me again from june 2023 to february 2024 that was the last big pump and then we went from july 31st to october of this year was another huge pump the same percentage increase just about or same number added just about and then the last one before that was from september 2020 to february 2021 you you're you're incorrect i don't think so i'm pretty solid on this i think by the end of next year it's going to be insane then i'm done because you're done and it's as easy as that.

1:16:47Congratulations, your life's a failure and it will continue being a failure because of that. That's not where I wanted the conversation to end, but I can't have a conversation with that. That is just, if I can't get you to pay off 30 % debt today when you easily could and make your life better and get closer to your goals, there's no more conversation to be had. I don't know why the **** you came on. What a joke. We're going to go to the post show. We'll have more pleasant conversations there and have a good time. But as far as this part, I'm done because that's a joke. What a sad excuse for a 33 year old.

1:17:25That's rude. But come on. Like what? Okay. You did a pump and dump. Let me guess. You're out there buying Hawk to a coin. Mark Cuban was buying this coin. I bought some of it in 30 minutes. It went to zero. 30 minutes? I thought it was pretty cool because Mark Cuban also lost a lot of money. So yeah, but he's a billionaire. You can lose some money. You're a minus mistake as me though. Yeah, but you're a dumb in there. Like you have no money. You are a bankruptcy in there to watch the financial audit post show. Click the join button below.