Caleb Hammer Exposes Boogie2988

37:53Sure. Cameo. I'm glad that came in. Okay. Yeah. So that's a little extra. Yeah. A hundred bucks. You can book me at cameo.com stream yard. We're paying for it. Yeah. Barely made it back. Yeah. It's necessary for the podcast. That's where we film there. Uh, utilities. Yep. That's fair. Can't, can't hate against no utilities. Same with gas. Walmart. You can never really tell what's being purchased from. So most of my Walmart purchases tend to be meds. I'm on a lot of meds. The most expensive, which is my testosterone, which is$200 a month. With your medical issues, do you think McDonald's, Papa John's, Starbucks, McDonald's, Chick-fil-A, all being processed within a couple days' time is helping?

38:32No, no, no. It's not helping your wallet either? No, no, no. Why are you still doing it? If we know we're killing ourselves and we're financially killing ourselves, why do you think you're still doing it? I think I wouldn't weigh 400 pounds if I knew the answer to that question. Okay. Well, you obviously had discipline for a bit, though, because you did go through the surgery, which is very difficult. Well, the surgery did its job, which is to say it extremely restricted my stomach intake. And it still does to this day. Okay. In a lot of the American versions, don't they require you to lose a good amount up front before you have to get it?

39:03Okay. So you had the discipline to do that. Well, it was a lot easier when I walked into an emergency room with a blood pressure of 280 over 180. 80 and they're like hey you're dying now you're not dying eventually you're dying now but you kind of are i mean this way you said you're not gonna listen unfortunate this is this is the healthiest i've ever been but you said you're not you don't feel like you're gonna be here in your 60s well that's just a stark reality when you've done what i've done to my body i know that just to me that feels like now that's her i i see this 15 20 years from now because that's what it is Well, you're 50, 60, it's not 20 years from now.

39:42Well, it was mid-60s is what we're saying, right? So that's 15, 20 years from now. Starbucks. Yeah, Starbucks. There's lots of Starbucks. Tokyo House is very expensive there. Business there. 90 bucks. Business there. That one was a write-off. Well, write-off of what? Prime Video, Starbucks, Starbucks, not even a full month back yet. Starbucks is a lot. Arby's, at least get food that tastes like something. Hey, let me tell you a little bit of something about Arby's, okay? Good fries? They have very good fries. But recently, I've been getting to realize the value that you get from Arby's is surprising how much food you get for your amount of investment.

40:21Wait until I teach you about... It doesn't taste good. I want to make it very abundantly clear. But again, when you're feeding multiple people, you can save a lot of money at Arby's. Wait until you hear about the grocery store. It'll blow your mind. Burger King, Netflix, nothing good on there anyway. Starbucks. I just canceled Netflix, actually. Good. Good lad. I canceled Netflix and I canceled Hulu. And the only thing I have now is Disney Plus, which we watch literally every day. And Amazon Prime, which I pay for for the shipping and for the things that we need anyway. Starbucks, Starbucks, more Arby's.

40:54It's all food. I mean, I can save you all the scrolling. It's all food. But we're not even halfway through a month. This is what I feared going in here. So we have a credit card. Sure. We have a credit card, and we weren't able to do the math that we typically do. But I would not be surprised if you did not go out and have these$25 drops every single day, 12 to 25, something around there. Yeah, it's almost, yeah, we spend about$12 to$15 on food a day. Let's call it 15. Yeah, let's call it 15. That's actually very fair. Let's call it 30. We could have paid off well. Let's not call it 30 days. Yeah, yeah, sure.

41:27Yeah, we could have paid off well, half. Now you throw the Starbucks in there and you throw the business dinner in there. Even if you're writing it off, we probably could have paid off the credit card that is accruing interest and that we're missing fees. By the way, if we're getting hit with late fees. Oh, yeah. That's the worst way. I mean, like we're not getting Starbucks. Any financial show on the planet will tell you if you're getting charged late fees or credit card interest or loan interest, then you can't be spending. Then I'm struggling here. Do you give a f***? Do you care? I do. It's again.

41:57Stop. Be an adult. Act your age. is what i would say i mean that's fair again food has not been a area that i have been very successful at controlling trust me i can't really talk about it either dude let me tell you at least i can afford it i've taken it's bigger than you okay all right listen to me dude i've eaten more than you at a buffet before okay not in my bathroom all right you i i appreciate that you think you know what it's like to be addicted to food i promise you you don't i will be honest one of my big struggles is on a daily basis like i won't eat a ton during the day but then i'll get something fatty greasy sweet and then i binge a massive portion in the evening that is my typical issue that happens and i i yo-yo 30 40 pounds constantly i'll be good for a while and then i'll yo-yo so i can't talk about that i mean the only reason the only reason i'm not 600 pounds again is because of surgery he's doing his job can i ask how much you weigh 400 yeah okay my lowest ever was 330 um i got back up to 400 this is where i've stayed yeah with it within a 20 pound variance i've gone down to 380 and i've gone back up to 400 where does your doctor want you to be i mean ideally you'd like me to be my ideal weight of like 175 right like that's what anybody would want um we're talking knee replacement surgery when i get home how much is that gonna cost i think it's not even i hopefully blue cross blue shield will cover it i have i pay 800 a month for the best insurance i can afford because you have i absolutely have no choice right yeah um it's your deductible do i here i meet my deductible within the first like two months most of the time lots of amazons and panda express yeah gas you must drive a lot we don't drive a lot but we typically might have tank a week give or take and take a so do you go in there and get a bunch of drinks then because i'm seeing like gas stations oh no i never i don't go into yeah because i'm seriously like two weeks back and i've seen like five gas stations well we did travel here um so we needed to fill up at home we filled up here yeah but that was yesterday like i'm talking in the last two weeks starbucks starbucks breaking star in the last two weeks i was on my way to starbucks uh last month i was on my way to um cleveland ohio to finish this documentary so that's probably maybe what you're saying but no we documentary that we talked about the one that everyone has seen yeah i i generally but i we generally fill up the tank once a week it's a hybrid we i mean you'd have to drive 555 miles a tank is what i get so okay i'm struggling with the eating out once a day thing because now that i'm scrolling through here i'm seeing about two to three if we're considering starbucks and we're considering uh unless this is when they're hitting but seriously scroll here i think that's when 13 14 15 like these are just individual days 16 and there's well two three in each well i think that's probably more when they're hitting but even if that's when they're hitting still since this is actually out day by day and three are hitting a day even if they're coming from a previous day said we average about like 15 on fast food a day.

44:42Yeah, but I'm also kind of struggling with that because if we go here, middle of November, Golden Crow,$62 a Golden Crow. But okay, we'll call that an oddity, right? We went to Golden Crow. I mean, it was. I invited somebody out to my editor. Me and my friend Flint and my girlfriend. Your editor? You pay your editor? When I need to, yeah. When he's got a project that we need to work on. Why aren't you editing your own stuff? You have time, I assume. he's incredibly better at it. And so if I have an actual project that needs to get done and he works for minimum wage for me to be very clear, because he's a friend.

45:19So, but occasionally he'll get a business dinner to talk projects and stuff. And then we're getting back to utility. So we've gone close to a month. So yeah, minimum once a day. And then you throw, you throw an extra$5 from Starbucks on there as well. Sometimes. Yeah. So let's call it 20, let's call it 20, 20. But again, But most of the time I'm feeding two or three people off of this money. But that's 15 is like, that's like the minimum we're spending a day. Let's call it at that point,$600 a month on food. One second. So minimum 15 a day plus probably five for Starbucks every other day. So 2.5 a day.

45:55So then we saw about once a week, maybe twice a week. Sometimes there's that Dave and Buster's. There's the Golden Corral. There's that other thing. So all of a sudden that throws off the average of 15 a day, turning it to what would probably be evenly distributed, 20, $25 a day throwing the Starbucks, maybe$30 a day on average. Yeah. So if, if we actually start going off of that, and again, I wasn't able to do the normal math that I was able to do before most episodes, we're looking closer to like 900 bucks a month. And I wouldn't be surprised. Let's let's call it that then. Yeah. Yeah. I mean, that's definitely, there's definitely room to cut.

46:27I included in any time I talk about these budgets online, I generally say 600 for this stuff, but 900 might be more realistic. But you can't afford 600. That's true. So you said you're feeding multiple people. I understand, obviously, girlfriend situation. Okay, sure. Who else would we be feeding? So, again, my roommates mostly like to remain private. They're not on social media. Okay. So I do have some difficulty divulging the arrangements that we've made. Okay. But in exchange for a lot of things that I physically cannot do, I can't mow my lawn. I can't get into the attic. I cannot do a lot of the things that are necessary to be done.

47:08So in-house help. That's right. So in exchange for in-house help, every once in a while, I get someone a sandwich. And if I were paying to get the lawn done, my house, it's way ridiculously more expensive than an Arby sandwich. I would rather you. So the deal that I have set up with my roommates, now I'm saving a tremendous amount of money. But that will occasionally include, hey man, you want to go out to dinner? It's been a month. Can I take you out to dinner tonight? Because I'm never in a position, not to speak too much about my roommate's private business, but I could never imagine myself in that position where I would get paid so little and do so much to help a friend.

47:53I mean, I'd like to think I'd be able to, but physically I can't do most of these things. I can't climb a ladder. I can't, you know, these are things I physically cannot do. And I'm very blessed in that regard. And so, yeah, it's probably, I know it's a stupid investment, but since they're making such a stupid investment this way, I don't mind making a stupid investment their way. Are they paying any rent? Yes. What are you getting? Because that helps offset some of the budgetary costs that we're going to have to go into. Do my roommates pay rent? There is compensation, not just in terms of things that they're able to do around the house and things that I cannot do, but there is compensation.

48:30But it's not something I'm, again, they are private people. I don't want to get too much into their lives. Totally fine. I do get that. And I want to make sure we're protecting privacy so that nothing negative can happen. So that's fair. Have you ever downloaded the app Credit Karma? I believe so. I don't have it on my phone currently, but I have. If we could just get you to go through that, it'll take about five minutes. All right, credit score. We've jumped up. Yeah, yeah. 673? Yeah, like I said, I do know the tools to build credit. Someone set me down to do it, and I'm trying to maintain the best credit that I can.

49:01Certainly, that's not in the 700s. There's plenty of room, right? But considering my financial situation, if I needed a stopgap loan, which I hope I never do. That's what emergency funds are for. Right. Well, again, I don't have them, unfortunately. Well, what's this actually? $7 ,732. This is what's left of everything. That's everything. Okay, but that is money. That is money. What's it in? This is currently sending in Ethereum. And since I printed this off, it's actually worth more. Yeah, but what have we learned? Well, we've learned that I don't think that market can go any lower. There's no way it's going to go to zero.

49:33It can't go to zero. Sir? It can't go to zero. Sir, what have we learned about our money? You don't take the loss until you sell. Okay. Well. And also, it was also kind of smart to spread off the losses across multiple years so that I get that nice tax deductible. Okay. Sleep number, 3 ,218. Was that the total? Not 2 ,500. I guess it was more than that. Good idea. Okay. And, yep, there's the card to card as we saw. Lending USA. Oh, here's the car. $6 ,472. Is that what I have left? Yeah, which is a lot more than you suggested. I guess so. Nah, this is why we do the little investigation. Well, that's why, yeah.

50:11Again, I ballpark this stuff in my brain. I've never looked this stuff up, so I'm glad we're looking it up today so I know for sure. This little lending personal loan,$3 ,448. That's my dog. And do you want to know something? Worst to invest in my life, because I don't even like the dog that much. I love my first dog. He's my sole dog. He's like the member of the family. The second dog, he's mostly just a dog. He's a good dog. He's a really good dog. I really like him. But I didn't want a dog. I wanted another Sammy. And I got a Leo instead. But he's still a great dog. Okay. Your car payment is...

50:48What are we down to? $2.38 a month? Yeah. You're halfway through the loan. Yeah. We really sounded like we were much closer. I thought I was. Again, I think maybe I don't have a solid understanding of how much interest I'm paying up front in some of these loans because I thought I would have paid off considerably more of the actual loan by now. Well, you took out a five-year. Okay, so I'm going to steal from our friends, the money guy. I mean, really, you want to pay it off. If you're going to take it on the car loan, no more than 8 % of your income on a monthly basis goes towards it. You put 20 % down every time.

51:29Which is certainly considerably less of that. I paid half. And on a three-year term. Well, I paid half. The initial loan was$10 ,000 because I paid half. I paid half up front, if I remember correctly. Oh, gotcha. Yeah. And then? And again, the only reason I financed the back half, because I had the cash I could have spent it. it was before crypto even dropped. I should have probably done it. But the only reason is, again, to try to maintain this credit score. I have some small loans. Your dog! Your dog! $5 ,000, yeah. No! It thinks it's at 23.49 % interest is what it says you are at. That's the loan.

52:06Though that can't be right. Are you sure? That's what I think it is. Is that even legal to make a 23 % loan? Oh, yeah. There's people on my show all the time. That doesn't seem legal. Credit cards are over 30%. Your credit card's probably over 30%. I mean, like the minimum payment is like$20 a month, so off of a balance of$1 ,000. You know why the minimum payment's$20 a month? Because they want that interest to continue to accrue. Okay. All right. That's not in your benefit. No. Oh, buddy. Well, the number's never broken over like$1 ,000. Oh, buddy. No. Okay. Now I'm understanding where we might be in terms of financial knowledge.

52:42No, that's not how it works with credit cards. But then educate me. Yeah. So yes, please. Well, the credit card credit cards, we never want to hold a balance anyway, because if we're holding a balance, whether or not you're making a minimum monthly payment, it's accruing interest unless it's in an interest free period. So if I were to pay anything off first, it's clearly this dog loan. That's got to be right. What was 986 again? What did we put down for that? I think that's just the credit card balance. Oh, and again, that's a secured credit card. So I don't think the interest is very high that it's secured with a thousand dollar CD.

53:10Oh, let me find out. Yeah. What did tell them? because I think I made a smart financial decision with that credit card. This is a real good story about Bronx and his dad, Ryan, real United Airlines customers. We were returning home, and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family, and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. allowing my son to see the flight deck will stick with us forever that's how good leads the way cured card is financed uh secured with a thousand dollar cd so my understanding is the interest rate was going to be very very low on it oh can you bring up the credit card again yeah so now we have a full picture of your debt and where we've gone right what's good is it looks like you're not really you don't have anything in collections or anything which is good so i mean that's you know I feel like that's potentially next steps if we have to drain.

54:09Okay. So the$7 ,732 that's in Ethereum, that, oh, this is just a daily graph. Where was that at some point? And you've been withdrawing from it to survive? At the beginning of the year, if you see in the documentary, in February, this was$30 ,000. But I've had to withdraw from it. This year. Yeah. And again, if this was a 401k, it'd be considerably harder to have tapped that money when I needed it. Well, it would have certainly been more secure, and I wouldn't have lost 75 % of it overnight. But over the years, if you were putting money into a solo 401k instead of this, you would have been saving a lot on taxes anyway.

54:48Sure. Tax benefits with that. Now, I wouldn't want you to withdraw and take penalties from that anyway. You could have taken out loans against it. I wouldn't want you to do that either. But I think a lot of it, we're going to create your budget. But what is very clear, if we're doing$900 a month eating out in different forms, we could pay these debts off very quickly. So my interest charge for this is$19.59 for a$1 ,000 budget, for a$1 ,000 balance. So what's that come out to? One second. 24%. Well, then I'm paying that off immediately. Yeah, that's what I'd pay off immediately because, one, you can pay it off by not eating out for literally a single month.

55:27Then how much is left on the dog loan? The dog loan we're sitting at about$3 ,448. And the bed is also$3 ,219. Can you bring up credit card again? Because what I can see is the bed interest rate. Right. Because that can also. Again, you know how they got me on the bed. It's number one, it was medically required. Yeah. And then secondly, I'm like, I can't afford to pay for this in cash. So I have to get it. Usually a lot of beds though, you can get 0%. You said. I did for like six months or something, I think. Well, in that case, you figure out what's the minimum monthly payment required to pay it off in six months but of course i mean you tell me i don't know i just i pulled the trigger i found i found one you know president's day sell whatever don't look at this you have outstanding approval odds on two credit cards and three personal loans oh i would never take out another yeah please yeah please don't yeah never we don't need you to have to come back on nope the next time i have you on i want it because you've paid off i mean give me credit for one thing i keep i keep it paid if i can if it's at all humanly possible like if if a bill is due the bill gets paid no No, obviously not the credit cards.

56:32But the loan payments get made. How can I give you that due though? Nothing's defaulted at least. I can't give you that credit though. If one of any of the things are not being paid, I can't give you the credit of making the payments. See that, and I think maybe, again, one of the reasons I pat myself on the back for this and why you never would is because growing up, we had things repossessed all the time. Cars repossessed, televisions repossessed, furniture repossessed because everything was bought on credit. right yeah and so that was such a common place i feel so happy and secure that i can pay my bills i feel so happy and secure you can't that no they are getting paid i'm paying the credit card that's true that's true okay it's not finding the interest do you have the app for it do you know that i do i think oh if you have the app for it i think it's straight through sleep number maybe i think this one was zero percent if i'm not mistaken buddy if no if if four of these bad debts i'm considering the house a good debt, if the other four bad debts, bad, just absolute death debt was out of your life, it lowers your risk profile immensely.

57:41It lowers your minimum monthly payments immensely. Well, that's where I want to get. That's what I'm trying to do. Yeah. But it's going to take some things that I'm concerned you might not be willing to do, to be completely honest. But I mean, that's up to you. We'll talk about that. Well, there's another financial plan we'll get into in a minute, and I think you're going to be excited for it. Oh, you have your own plan. Yeah. You're going to laugh when I say it, though, and your audience will laugh. Well, I would also just rather you be financially safe than give me a good segment. Well, it's both.

58:13Okay. It's both. In the end, you're a human being, man. Yeah, of course, yeah. So the spike makes this a little hard, but across the income sources you gave me, we are having an average of$4 ,269.96. That's right about where it is, yeah. Question, are you setting 30 % aside for taxes? I can't. Right. What are you going to do? What did you do these last few quarterlies with quarterly payments? I literally can't afford to make quarterly payments, so I'm paying in lump sums at the beginning of the year most of the time. Okay, and there's penalties for that. Yep. Okay. If you can't afford to do them quarterly, how are we going to do them annually with penalties?

58:53I think this year I'll end up having to set up a payment plan with the U.S. government. What did you do for last year? We haven't talked about it much. It was a very reasonably – it was a fairly reasonable sum. It was paid? No. Is it on a payment plan? I'm about$2 ,200. Okay. It's a very important piece of this debt. It is. It's interesting because the episode that's coming out before yours was another YouTuber who did not pay his taxes. Which one? Darts I feel. Oh, maybe I should have him on. No, it's a YouTuber that doesn't upload anymore. He got to 100 ,000 subscribers and then quit. Now, there's only the one year, and I've just been waiting for him to knock on the door and get it solved.

59:33But at the beginning of this year, I was not in a position where I could do it. I'm like, I have to make it until the stock drops, and let's see if there's a spike that comes with it, and I'll pay it then. And that's the world we're in now. Yeah, dude. Well, you had 30 in crypto. You could have paid it. I could have, but I knew. I looked at, and this is a terrible way to live, but this is how I looked at it. I can pull this out of crypto now and potentially miss a house payment at the end of the year. So I would rather stay in the house until I have to leave it and continue to build equity. And maybe I'll never have to leave it.

1:00:08But if that one financial, if I pulled this$2 ,000 and paid the U.S. government, which I know they're patient, I owed the money. They are very patient. The U.S. government is so patient. They also have the guns. Yeah. Well, but I'll tell you, having had this very similar problem in my 20s with a small business collapsing and owing them$1 ,500 then, they were very eager to work with you. They're like, just give us anything, man. The U.S. government works slow, and believe it or not, they're surprisingly cool when it comes to owing them money. Okay. Many people have had different experiences, just to let you know.

1:00:43Yeah, I've had, they just sent me up on a payment plan. They're literally like, what can you afford? I'm like, well, I'm on disability now. So what do you think I can afford? Like, can you afford to give up 10 % of that? And I'm like, no, I can't give 10 % of$850. I'm living off of$850. What if they knew you were spending$900 a month on fast food? I mean, they probably would be. Do not send this to the IRS. yeah probably not great I mean they know the government knows right they have access to my credit card records right I'm just saying if there's one people we don't it's the IRS but they know I mean we've had not for some of the 2200 but there's been people in the media industry in general who have you know not paid taxes they've gone to jail if you owe them a significant amount of money then yes they do not consider $2 ,000.

1:01:41I know. But that's all I'm saying is like this isn't all roses and butterflies. The best I can get for you on this loan is that it was 0 % for 24 months. Because that's pretty much standard on the website. Yeah, when did you take it out? July. Okay. So we're in the 0 % interest period. Yeah. Okay, cool. That's good to know. Or no, June. Oh, okay. Yeah, June. Sorry, I was panicking. I was like because you almost sent me into one. I got it before you. does she work we're working on that okay because that would be that's uh you know not required to we're not married you know anything like that uh if we are married that's a conversation of what do we need to be as a future how do we hit financial goals we might need to work obviously the majority of her everything is taken care of but the one thing so that she's not doing is bringing income in yeah but she's costing pretty much nothing going on uh okay let's capture some of your other things we have verizon 222 do it verizon 222 yes we got two lines oh yeah you have your phones financed ipads not ipads no there is yeah verizon's expensive there is uh there was like a 500 balance after trading on that phone on this one so we're we are paying that off but that is again at zero percent you're gonna hate it because i mean verizon is like the best nationwide but when we just can't afford to live like mint mobile i don't even know what that is Ryan Reynolds Mint Mobile?

1:03:06I don't watch commercials, man. Okay, well, check it out, dude. I'll text you a link. It can be like$30 a line. Okay, well, I mean, I'll still have to pay off this phone before I get there. Oh, oh, so wait. You told me that the phone was$0. It added up to like there was a balance of$420 spread across 24 months. But it's 0 % interest. I know, but we can't switch to another carrier. Yeah, yeah. Yeah. Well, there you go, saving$150. All right. Car insurance? Yeah. Yeah. Got to have car insurance. Got to have car insurance. The YouTuber, the other one I was just talking about, who didn't pay his taxes, does not have car insurance.

1:03:47Very bad. I didn't for the first 30 years of my life. That's not good? Yeah. That was not good. Do you have, what the fuck is? Oh, yeah. 775 is your minimum monthly for insurance? Yeah. Health insurance. Blue Cross Blue Shield keeps me alive. Unfortunately for them, they are losing a lot of money on this. I can tell you that. They are spending way more than I'm giving them at this point. Like 15 years ago, you may have not been able to get health insurance at this point. I couldn't. Yeah, if it wasn't for the Obama administration that made it possible for me to purchase insurance as a self-employed person, I would have never had access to health insurance.

1:04:24Okay. So how many people do you have to buy groceries for, like every day type thing? Me and her. Just you two? Yeah. I mean, we do have somebody that, again, will cook for free as long as they're eating. So we do take advantage of that. So it generally means we're cooking for three most of the times. Okay. Yeah. Well, I would try to get it to the two with some cooking getting done. So what we did on our grocery store website, our local grocery store, H-E-B, you can probably do this on Walmart, I assume, we created like a meal prepping thing for each week, 2 ,500 calories a day per person plus snacks.

1:05:02we sorted the recipes for what we needed for each meal by cheapest. I should point out that when we eat at home, we eat cheap. We eat more sandwiches than we eat anything else. Okay. Well, either way, sort the ingredients by cheap. And then do like a pickup order for it, which can be free depending on the store. And that way you're not going through the aisles. You're not picking up everything. And we had for a single person with snacks and desserts, 2 ,500 calories a day. Good eating, 250 bucks a month. That's incredible. That's incredible. comfortable comfortably but most people aren't you know willing to get into the nitty-gritty of it you know name brands and eating a unique meal every day but and i want everyone to be able to do that i want everyone to be honest with you when we can't afford it everything in our house is great value okay 100 of the time um because number one is a huge waste of money the food doesn't taste different the the the products aren't any better um and secondly we're in walmart country right like So if you're not by the local brand, you know, you're kind of a trader in our area.

1:06:00But, yeah, at least that. We're already doing that. Yeah. All I'm saying is I could get you guys$450 a month in groceries for you, too, with aggressive meal prepping. We could. That sounds very reasonable. Yeah. Now, I have something called the toilet paper fund. This is just whatever else is needed to survive the household. So it's the toothpaste, the toothbrush, you know, whatever is needed. Sure. It could even be, like, some car maintenance. Everything's going to ebb and flow on a monthly basis. I'm going to put$150 there. Medical. On a monthly basis, medications. What is coming out on average?

1:06:28About$1 ,500. For health insurance and medications. Oh, okay. Not health insurance. Just medications. I guess I could subtract the insurance. So$700? Yeah, in the neighborhood. $500 to$700 depending on the month. Okay, so$600 if we average? Yeah. Let me figure out your debt minimum of the payments. Including mortgage. Actually, let's do mortgage separately. Including property taxes and insurance, all that good stuff. And did we get through utilities on this or not? I can't remember. I did not see you. They should have been in some of the screenshots. Here. I think water payment is in here. So this is this water gas.

1:07:14Water electricity. I'm sorry. No, that is water and trash removal. And that's it. That's what the city charges. It sucks. Okay, so you have electricity on the side. Electricity is a whole other bill, which you should have here as well. So this is just trash? Yeah, our city is highway robber. It's insane. That's trash and water. Do they compensate it with low property taxes at least? We get hammered with aggressive. Yeah, our property taxes are better. Okay, how much in electricity and gas then? Depends on the month. Give me your average. they should be printed out for the last month here I think I sent them to you I think the last month in electricity was $250 and then what was the other one you were asking about gas I think comes out to in the winter close to$150 in the summer down to as little as$50 so let's call that$100 and then

1:08:14what was the other one water, gas, electric we do pay for cable which is$100 a month. I'm sorry. Not cable. Sorry. Internet, which I'm a YouTuber. Yes. Right. Well, everyone, you need internet to survive, to do jobs, to do anything. $99 a month. We got a really good deal when it comes to internet. That's for a gigabit. And this, this is the slowest the offer. So I can't even get it cheaper if I wanted to. Um, let me get the debt minimum payments besides the mortgage.

1:08:47not including whatever the irs might be because we don't know yet yep yeah this extra 653 dollars could clear you not clear you up but it would help a lot yeah um i ballpark in in like i've said publicly right around 7 000 for like minimum payments across everything is that about what close to what you got? I don't know. I just want to make sure we've got everything that you're required to have. Gas. How much do we think on a monthly basis? Like I said, gas in the winter is... Sorry, car gas. Oh, very little. I drive a hybrid, so $20,$40, maybe$80 a month, if that. We'll be conservative and say$80.

1:09:28Anything else that you are required to take care of on a monthly basis? There were some subscriptions like StreamYard and stuff. Oh yeah, it's like a$25 subscription to StreamYard. Any other subscriptions that are mandatory. Mandatory. I'm not throwing Disney Plus in there. I'm sorry. I think I could... I'm just trying to get your mandatory in order to survive type. Streamlabs might count, but that's$9 a month. Okay, so$35 then? Let's call it that, yeah. Anything else? I think that's everything. Okay. I did a really good job of canceling everything over the last few months. How many miles is on that car?

1:10:0712 000 i think no i've had to take a lot of road trips wow yeah i mean i bought it 12 000 is nothing i bought it with less than a thousand miles on it that's incredible yeah i might be wrong it might be closer to 18 if i if i'm ballparking it she could go check but i think it's it's under 20 for sure i think i'm happy about that though it doesn't mean we have to worry about anything too major happening soon now they say uh one of the reasons i bought this car is like all the The YouTube reviewers said this specific year and that specific model, they said well over 150 ,000 miles before you even start to see issues.

1:10:40And I knew it would take a lifetime for me to put that on it. Even with trips like this for business and stuff, I'll never put that much mileage on it. 5 ,856 in order to survive. So a little under. That's because I think we're throwing in a little less wants. You said in your budget you had like 900 for food or something. It's like if we get rid of wants, only just basic survival, which is what you should be on. because, again, we still bring in$1 ,600 less on a monthly basis than we need to survive. And we're real close to that being zero. Yeah. So I do have one thing we haven't included here.

1:11:19Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Okay. And it is the other backup plan that I've had, which is so incredibly stupid. Go on. I started playing a card game called mad at the gathering back in 1994.

1:12:01Yeah. I happened to purchase a lot of cards at a time that they are worth a lot. So I have cards that have been my backup plan for the entirety of my life. Right. Since 1994, I'm like, you know, these cards continue to accrue value. The bottom will fall out. Eventually here we are 31 years later and they've gone nowhere but up. I generally get about 70 % of the value of what a card's worth. And so, for example, I was gifted a card for nine years ago for my 40th birthday. They paid$80 for it. It's currently worth about$2 ,700. So I do have additional assets. Can you give me conservative value of your entire collection?

1:12:44Conservative. Extremely conservative would be if I bulk sold it tomorrow. Yeah. 50K. but my plan is to continue to do what I've been doing over the last year, which is sell it periodically survive to survive. Right. Because with the exception of, you know, the COVID bubble hitting this market and I wouldn't have sold during COVID cause I didn't need the money. Right. Other than the COVID bubble bursting, these cards have continued to maintain value. So I sell them as I, as I go. Now, I'm learning today from you that I should absolutely go home, sell$10 ,000 worth, and throw it at these high-interest loans.

1:13:26Because they're probably not depreciating 25%. No, certainly not. Certainly not. Because the crypto, and this is, it's in crypto. So, one, I would just have this in a high-yield savings account anyway. But it's going to last five more months at the max. Yeah. If it stays this value. You never know what can happen with crypto. Five more months. And I wasn't lying. It's gone up since I printed it. Since I said it to you, right? We made a couple bucks. The market is on the climb. Do not invest. Do not invest. Invest, but not in that. Not in crypto. Okay. Okay. Okay. So with the bad debt that we have, this is what I would do today.

1:14:07Today. Tomorrow. Because you get home tomorrow. But high interest, bad debt debt, including I'm putting the IRS in there, man. because it's about to get to be like death interest. Yeah, they'll knock on the door soon. Yeah, and I would rather knock on their door before they knock on yours. That's true. I would sell$16 ,307.88. How much? $16 ,307.88. That's pretty doable. It wipes out IRS. It wipes out credit card. It wipes out the bed. It wipes out the car, and it wipes out the dog. Loan, not the dog, but the car. You, in your situation, not having a car debt, a leverage on a depreciating asset, lowers your risk profile immensely.

1:14:51Okay, extremely stupid question. Yeah. It's my understanding that I should maintain some loan to continue to build credit. Sure. Because, again, I do think relocating, selling my existing home, and buying a cheaper one is something that will still be in my future, even with this. So you'll still have your mortgage. If I were to keep a loan, does the mortgage count? Oh, absolutely. Is that the one they're looking for? Well, they're looking for everything. They're looking for diversification. They're looking for age. They're looking for low balances. They're looking for on-time payments. What I would do in your situation is obviously keep the mortgage because it's a low rate.

1:15:26It's great. Getting rid of the other loans, even if your credit score takes a hit because the age goes down, it doesn't matter anyway because right now your credit score in what exists within it of taking out debt is taking advantage of you. You're not taking advantage of it. So there's really no purpose right now of you shooting for that good credit score because this is you. What I would do potentially, you're not a credit card person. Right. Like you can't manage it. You're not paying the payments. But if it is that important to you, the one thing I would might consider if you can prove to yourself over the course of six months that you only put gas on your credit card and you pay off the entire balance every month.

1:16:02That's smart. I will concede that you're allowed to do that. And that will at least, that in the mortgage, man, you'll be in the 700s credit score wise. Okay. Should be chill. It should be chill. You might get a hit for a bit because your overall credit age is going to go down because some accounts are going to close for paying them off. But honestly, with your credit card getting paid off, even with those, I wouldn't be surprised if it jumped to about$700 anyway. Because one of the main – I debated even talking about this, and I don't know if it will make the final cut or not. But one of the major reasons I want to make sure that I can take out a loan is because there's a very real chance of a medical emergency.

1:16:42And for the thing that I'm dealing with, you have to pay up front. Yeah. Right? Okay. Yeah. No. Well, of course, obviously. I mean, death over life. Life comes first. So I get your fear around that. Yeah, I think your credit score, again, will actually be in a better place because right now what's holding it back looking at your credit is a high credit card balance. You know, you want to be under that 30 % utilization. If we just have you sweeping your credit card on gas, paying off the balance every month, and having the mortgage consistent, you're going to have a good score. Yeah, okay. Are we talking 800s?

1:17:19No. But you'll be in the sevens. Right, right. And I think when we're looking at this minimum structure, I think my income in the last 30 days has been enough to cover that. Yes. YouTube alone, right? This podcast is going to start paying out. I mean, we just hit profitability in the third episode. That's incredible. My cut is small. It's 25%, but I own 25 % of this thing. And I foresee being able to reach these minimums throughout at least the rest of next year. I don't know if it'll get better than that, but I think I'm in a position right now after the doc coming out and this podcast and everything else.

1:18:02I think I'm in a position where I reach these minimums. I won't have much wiggling room after that. And it'd be a really good idea to pay all of this down. You need to tomorrow. Yeah, right. Exactly. As soon as I get home. But you know, the minimums don't matter for then spending an additional 900 going out to eat and then all whatever else, you know, the extra unnecessities are unnecessities right now. If we can't afford it, we currently can't. So what is required through, again, a anonymous call center job, you know, something that pays minimum wage uh building that uh podcast or abandoning the twitch and everything like that and fully focusing on re-engaging youtube whatever it might be man that brings you to at least i mean that's been the plan over the last 30 days you literally what i've been doing over the last 30 days since this documentary dropped and you can see it's paying off right like uh my numbers continue to grow.

1:18:55My income is continuing to grow. I, I, I, I'm doing exactly that. You know, all of this ancillary stuff is ancillary. It's, it's, I, I have it all in a link dump and other than live streaming once a week, just for the fun of it. Cause I enjoy doing it. I don't live stream. I don't, I put my time where the cash cow is and that cash cow is YouTube's ad revenue. And my favorite part about that is I'm not making money off the back of my audience. They don't have to buy a t-shirt. They don't have to engage with the sponsor. They don't have to buy a channel membership they don't have to donate anything on twitch all they have to do is put the video on click it watch it and i make money and that's simple as that a lot of the criticisms uh that i personally saw and you can refute them if you wish this is just there's too much information online sure it's impossible so but a lot i saw is again like uh the pity party sympathy feast over the last few years sure and maybe that turns the people off and maybe it's to get people to give some money.

1:19:51I'm not sure. Are we done with that? Yeah. I've been done with it for a while. Good. So we just, I learned very quickly, my decision to talk about my finances last year, that that is not how I'm going to get out of this hole. Uh, and I, I cannot, nor should I want my existing audience or my preexisting audience to want to dig me out of this hole. Now it's a whole other thing. If I create content that they want to pay for, right? If I give value, you give value. Most YouTubers give value. That was the thing that I was missing from my video last year. I asked for something, but I offered nothing in exchange.

1:20:30That was the idiocy of it. And I'm at a point where I can't ask for anything up front from my audience, nor should I, nor do I want to. I have to deliver a product they enjoy, and if they enjoy it, then they can catch me on the back end if they so choose to. And I don't blame a single person who chooses never to do that. right if you said boogies burnt that bridge i fully understand and respect that yeah because i don't know the thing i think i learned from the internet more than anything uh i was playing oh i don't know i heard it called i'm just a small bean the other day do you know if you heard this right um growing up for me it was you wouldn't hit a guy with glasses would you i was being jerry smith from rick and morty if you're familiar with that character it's a character that was intentionally pathetic in the hopes that other people wouldn't harm them what i've learned very quickly from that uh no very quickly but uh i've learned harshly is that when you make yourself out to be a victim the people that like to victimize people will choose you to victimize i'm curious uh do you find yourself throughout your life uh playing justification games certainly yeah okay yeah yeah so i it just might be something worth escaping in the future is just instead of trying to justify like every last uh last thing a reason for everything happening reason why i did this reason why uh i made this choice is because of this whole winded thing of a character i'm trying to do and all this stuff well in therapy just justification in therapy we learn why we do things right um i know why i during the frank castle situation when a man was battering down my door calling me uh uh the n-word and an f-a-g-g-o-t and and all the know why i opened that door yeah right i did it because i wanted to stand up for myself i did it because you shouldn't be on my property yeah i did it because this is a transgression to me does the law care no it's not an excuse i broke the law i pay but it's important to understand why i did these things yeah not justifies different than no it doesn't justify it at all right i this is why I did it.

1:22:42I need to have an understanding of why I did it so that I hopefully won't do something like that ever again. Well, the only reason I ask if that's been a part of your life is because I don't want us to be justifying things in the future. Oh, absolutely. I really want you to get to a good place, man. The minimum you need to bring in in order to live your minimum needs with current debts to get rid of the debts is different. Actually, we're paying off to talk about what happens when we get rid of the debts. Yes, exactly. Except for the mortgage. Sure. Then we need$5 ,203 to survive on a monthly basis.

1:23:11that means you need to bring in$10 ,407 on a monthly basis for like recommended budgeting purposes. Recommended. It's obviously going to be tighter than that until you can get there. If you can get there again, that's great because, I mean, that's$124 ,000 a year. That's like$10 ,000 a month? Yes, it's because your needs, we want to shoot for that being about 50%. That is difficult. That's usually more difficult in places like New York City or L.A. where rent's going to be. Right, sure. It's a little easier in Arkansas. Yes. Maybe not Northwest Arkansas, but still. Yeah, I can't speak for that place specifically, but that's typically what we try to shoot for.

1:23:4650 % going to our needs, 30 % to our wants, 20 % for investing. Sure, okay. Now, if I were in your shoes, is to shoot for that$10 ,400 as quick as I can, doing whatever it is, whether it's in content creation, whether it's a drive-through work, whether it's anonymous call center. And I know, I know, we already talked about having the name out there and just, you know, different things. But even if, again, we can try the more anonymous thing or applying for jobs like it's a full-time job might be a consideration. If things don't play out, maybe we give it – this is going to last for another five months if no more income brings in.

1:24:19I say if we hit there and we've no longer gotten to the place where we can survive, obviously liquidating cards might be the option then. But at that point, I think we've proved this is not working at that point. I say we try to scrape together any and every job we can, and we're not above any and every job at that point. Right. I think a lot of people have this idea, and I get that the documentary definitely painted this picture, right? I think a lot of people don't understand what I'm willing to do to survive. But I hope that you know that I literally drove across the country with an injury to be here to do this, right?

1:24:55Yeah, you do. So I'm willing to eat as much as I need to to do this, right? Are you willing to stop eating$900 in McDonald's and Starbucks a month? I'd love to. And it's something I actively have tried to do my whole life. I get that. But at this point, it's like not a choice. It's really not. I respect that. Most addicts would tell you that, you know, I'm not making excuses, but it's the reality of the situation, right? It's like going to Eugene Acuna and saying, you need to put on 50 pounds. Of course she does. Of course she does. What about accountability, the people surrounding you? I mean, they're doing their best.

1:25:26What does that look like? Nobody can hold your toes to the fire, man. I know, but is there enablement at all? No, the opposite. Quite the opposite. I have people who are like, let me cook healthy meals, cheap meals here. Okay, but I know where McDonald's is, man. Yeah. Well, I mean, this show comes. They deliver to your house, right? Like in a weak moment, I'm going to choose McDonald's. In this show, I can do finances. I'm obviously not an addiction person. All I can say on the finances, if we're not willing to change that, then as the title of the video suggests, you're going to die in poverty.

1:25:59I mean, like I said, if you don't stop, you have to stop. It's you stop or you die in poverty. Because right now it's insane. It adds an additional, what, 20 % to your budget, 15 % to your budget, and we can't even survive in the needs. It's just really no longer a choice. So you're choosing at this point, even, yes, addictive tendencies. I get it, and that is not my thing to talk about. If you choose to do that after this conversation, you've chosen just giving up. Well, I mean, after this conversation, I'm going to continue to do what I've been doing for the last 30 to 45 days, which is work as much as I humanly possibly can.

1:26:37How many hours a day do you think that is? I'm putting in like a good 40-hour work week now. Okay. Well, I think that when we can survive, I think that needs to be 60 to 80. Yeah, that's fair. Yeah. Yeah, but that's where I am. And like at the end of the day, again, no excuses. you know people think i don't want to get a real job i'm a disabled felon man right i've been disabled since 2005 right i can't work hard i physically i can't do physical labor that's not an option right i think call it home uh again service so now they have to google that i'm a felon he beats his wife and because that's what happens when you google my name go do it right now yeah they have to hire that person yeah they're not going to those are the positions where those more ah what's the word people with records do tend to find more opportunities right but are they also disabled right like I'm saying this would hopefully be work at home I'm just giving one option I'm sure but I'm just saying like if that job crosses my lap tomorrow I'll take it have I actively looked for it absolutely I just don't think it exists shall we yeah Okay.

1:27:50Our good friend, LinkedIn. You know, this is a wide variety. Well, this is giving way too much variety. Let's just do customer service. Because I did call center, and it was doing like real estate agent. It was like the fifth one down. Right. Does that make sense? There you go. I would apply to these billion, trillion, quadrillion jobs. I have. I have. I'm telling you. I've done this exact thing in the last year. You've applied for all of them. No, I applied for over a dozen and I kept getting told the same thing, which is dude, you're unemployable. Yeah. So even for the people that are very employable though, applying for a dozen jobs, you likely won't get a single job.

1:28:29Okay. I had that headhunter tell me off camera, man, there's nothing we're going to be able to do for you. I don't think there's anything about it. You need to focus on the YouTube thing. Okay. Like if a headhunter is telling me that these people aren't going to hire me, I trust her evaluation. No, I get it. I get it. I just, I struggle with the conversation. If we decide it's impossible, then it's impossible regardless. Well, I understand that. But when, if I, if you told me that I need to start flapping my wings and fly out of here, right? We would agree that that's not a possibility. She's probably right that you can't get most desirable jobs.

1:29:05Not desirable jobs. Anything. Dude, I was, how desirable is it to cold call teachers about a union and get screamed at by them? because that's the job I applied for and got told they wouldn't give it to me. How desirable is that job? Not thrilling. No. And that was the most desirable job I applied for. Okay. And they wouldn't offer me that one. And I had a friend in management at that company. So you're not willing to try? Am I willing to try doing something that is clearly not going to happen? No. Now, if I get the felony sealed, which is going to cost money, but at the end of my second year of probation, which I think is this year.

1:29:47How much will it cost? I don't know. Okay. Thousands, but if I get that sealed, this is a whole other conversation. That might be a very worthy investment pulling from the magic, the gathering. But until March, that's not a conversation we can even start. Well, March is coming up pretty quick. So I worked, what was it? It's like senior colleges in between a couple of jobs. And my dad was like, why aren't you working? You need to go work this job. And it was like this odd jobs all around. And it connected people who like needed work and needed work. And the people that I was like moving mattresses with into like newly built college apartment complexes, they were all felons.

1:30:29And they were like people who just couldn't get work anywhere else. There was still opportunity that they saw. Yeah, manual labor is generally pretty lenient on that kind of thing. But unfortunately, I can't stand up. That was just an example, though. That was just an example, though. I'm just saying if we refuse to search for it because we believe it doesn't exist, then it's not going to exist. Right. Well, when I'm getting told by professionals it doesn't exist, I listen to the professionals. And if that makes me... I don't know. I wasn't there for the conversation. I wasn't there for the conversation.

1:30:55It's hard for me to just fully... I don't know. I wasn't there. I wish you'd put it in the doc, if I'm being honest with you. Okay. I mean, we did. It says right there, management would not give us approval because they wouldn't. Yes, but it's all there. Well, from there, it made it look like because you said, well, yeah, Google me, I'm a pedophile. And I'll tell you, my financial plan, and it might be a stupid one, okay? But because I've seen traction in the last 30 to 45 days, the more I work, the more income I bring in. Yeah. The more that I make YouTube videos, the more that I put effort into the editing, the more that I put effort into being an entertainer, the more money I'm making.

1:31:32And that seems to be more valuable than chasing after a dream that professionals are telling me doesn't exist. Right? This is viable. Professionals is just that one conversation you had. I've talked to several hiring people. Yeah. I just have to trust her on that. I've applied for several jobs in the last year. Doesn't. Roughly. Yeah, that's like a half hour work on LinkedIn. Again, when you get shut down by several people doing hiring and you get told the same message, including by a headhunter, hey, man, you're a felon who has all these terrible rumors about you. who's going to hire you to be working in your company.

1:32:07Also, you're disabled. Also, you have no education. Also, you have no work history. I don't know. You're a CEO. You built a multi-million dollar company. These companies don't see that. They're not looking for somebody that runs their own business. They're looking for somebody that can make them money. I wasn't saying it just like that. All I'm saying is reframing and resume building interview skills with everything you just said that's against you, except for the felony stuff. But you said the lack of education, lack of work history and stuff like that. Reframing to what you actually have accomplished.

1:32:34because you have accomplished a lot. I've never been a fan of lying, man. That's not lying. You have accomplished a lot. You have a multi-million dollar business. Well, I've never been a fan of going in and fudging my resume to make it look palatable. That's not fudging either. I don't have an education, but it's because why I chose to learn abroad or something. I was talking about your work skills. You've actually built something successful. These companies don't see that as something. If you find me a job that pays as much as putting the same hours into my YouTube channel, I'll take that job.

1:33:04I mean, you do 40 hours a week, right? Yeah. But we might need to do 60 to survive, which might require 20 somewhere else. Well, it'd be smart to put that 20 hours into this business, the one I'm building that I keep 100 % instead of keeping 5 % and kicking another 90 % off to the guy I'm talking. I agree. You think that 20 hours a week, that extra 50 % in labor is going to equate to an extra 50 % in revenue? If yes, then do it. Absolutely. I don't know. The math would have to work, right? Right. And I don't think most jobs are going to make that math work. most$12 an hour jobs, which is minimum wage in Arkansas, I think now.

1:33:37I think it might be less, but it's supposed to have$12 eventually. Brings an extra$9.60 a week that at least meets us to our minimum. And minimum is better than draining our savings. Like I said, I'd rather put that hours into my business. No, no, no. I'm not against that. I'm just saying as long as the value actually, if the math works, it works. If it doesn't, it doesn't. Right. Have you worked with any services, by the way? I can't speak for Arkansas. I can't speak for the city. There's local services. There's a wide variety of services who focus on the rehabilitation aspect of people's lives.

1:34:15Now, you did not go to prison, but you do have a felony. Sure. That helps to connect felons with workplace opportunities. There are services out there. Have you worked with any of them yet? It's never come across my table. again my plan is to seal the felony and try to move forward from there and that happens in three months provided i can afford it yeah so i i i don't know that's so i've never heard of that before so i i don't know if it even exists in my area but it might what would they offer i don't think they'll offer any financial a lot of things i'm seeing are texas resources again i can only i can't speak for that but right well as far as i know i might not need that in three months but if it turns out in three months that i won't be able to get this then you'd be willing to yeah of course sure okay yeah of course again it's just if math works dude if you can bring it in on youtube if we can get back to 10 000 bucks a month again yeah i'm all about it i think the biggest mistake i ever made was in 2020 after my nervous breakdown i stopped working yeah um and i i should have had all of this money i still could and i'd not just 2020 when every other youtuber um went to work i had to get into intensive therapy instead i had to reorganize my brain yeah right um and i'm glad i did it don't get me wrong it was a good use of my time um i came out a different person uh but But again, I think my biggest answer is I just need to go back to making as many videos as I can, considering my scheduling, my health, and really put my effort into my business.

1:36:01So I do concede. I mean, if the professionals told you that, I mean, again, if that's what they said, I do believe it. They're all telling me it becomes a whole other ballgame in March. I'll hire a lawyer, spend a couple thousand dollars, get this completely off my record, no longer shows up in a background check, then all we have to do is deal with the other obstacles. My favorite thing is always to punch back against certain mindsets and try to push people to better themselves. So this is what I try. Like I said, I promise you, I'm not giving up hope. If it comes down to my YouTube channel is no longer making me money anymore, and I literally have to steal for a living, I'll do it.

1:36:40Well, let's not do that. No, but I would. I'm telling you, if I have to steal bread to feed my family, I would be that guy. Yeah. Right? I would do whatever it takes to survive, right? And certainly getting a job like every other human has ever had are the jobs I've had. I've worked security. I've washed dishes at a Mexican restaurant. I've worked, right? I have no problem with working. If a job fits me and it's going to keep my bills paid, it's going to keep my health insurance so that I don't die, I'm obviously going to do it, man. Obviously. I think one thing that would help, not pushing someone to get work, and I know there's probably background in a lot of different story.

1:37:13If your significant other is able to help split the costs of the place they're living, that will help with your thing. I do want to talk about, before we wrap it up, just, you know, okay, say you make it 10 years like you said. I hope it's much longer. You know, I really do. Let's just go off that 15-year arc. Sure. What does that look like to you? We've done YouTube for 15 years, so we're halfway through that. what does the next 15 look like i mean here's what my life has looked like so far right i was homeless when i was 20 right i was crouch surfing i was breaking into buildings up at the university of arkansas statue of limitations has gone up on that by the way but i was sleeping in and buildings that they were building still i want to hear about your future the exciting things not your bad we're gonna get there we're gonna get there okay okay but when i was homeless i wouldn't have told you that three years later i would be running a small business running web design right sure um and then later while i was running that business i wouldn't have told you i'd be disabled soon after right and when i was disabled i wouldn't have told you i'd be a youtuber who made 1.3 million dollars across a decade plus more sponsorships probably yeah yeah i think it was probably closer to like two right probably as much as 2.5 i would say across everything i've made for close to 2.5 million dollars in two years right i cannot tell you what the future looks like but I'm always hopeful.

1:38:34One of my favorite movies cast away, right? Um, just gotta stay alive, man. That's it. Just gotta stay alive. Cause you never know what the tide could bring in tomorrow. I do. What about plans? Well, my plan currently right now is taking a day by day. Every therapist will tell you this, what you gotta do. Uh, my current plan is to continue to throw myself at my existing business because my existing business is still profitable. And I'm looking for that next opportunity. I've looked at reselling on whatnot as a, as a possibility. I've looked at trying to find a small business loan and open something in the area.

1:39:07I've talked to a friend about doing a smash room. Employment, like I said, come March, there might be a job out there that suits me and that suits my needs. And I'm still going to look for that. All I know is that right now when I get home from this, I go home and I film videos and I live stream. And I do what I can to entertain the audience that I currently have. And when that audience is gone, I hope I find a new one. You know, it's another option. I don't want this. This is more last case. Yeah. We take it. We sell the house. Have the hundreds of thousands in equity. About$250 ,000 to$300 ,000 of equity.

1:39:46And then instead of paying$2 ,121 in rent, we get like a one bedroom. Pay like$1 ,100. Now, obviously that sucks. That's hard. Obviously it has to be ground level. But it saves you$1 ,000. I'll do it even better. Okay. The plan is to move the out of Northwest Arkansas and get to a place where we can buy a house for$50 ,000. But you said you had to say that for medical providers. Well, yeah, it involves giving up on that. So you just, oh, right. It involves on, it involves like not necessarily worrying about being near the best possible health care. Right. It'll be a more rural farm, a more rural kind of thing.

1:40:27Right. But there's still help at rural hospitals. Right. They know what they're doing. Just doesn't need to be cutting edge. Right. And you can get a house out in the boonies for 50 K in Arkansas. It might be closer to her family. You know, it sucked to be further away from my support structure there. But that is a possibility. The hell Mary play has always been. OK. Sell the house, hopefully clear 230, 250 out your closing fees and everything else. and then take that money and live off of it at a very reasonable amount. I think that if you get out into the small parts of Arkansas, you buy a$50 ,000 house, you have a little bit of land.

1:41:08Gives you$16 ,000 a year for the remaining$15 ,000. You can live pretty okay in Arkansas for$16 ,000 a year. It ain't great, but I know people who do it. It would be difficult. $1 ,388. No more$900 a month fast food at that point. at this point yeah mcdonald's becomes the treat at that point for sure but at this point yeah but that's the hell mary play so i'm rooting for you not because you're a youtuber not because you're sitting across the table from me not because of history or because you're on the show whatever i'm rooting for you because you're a human being who exists on this planet i'm rooting for you i'm wishing you the best of luck man i i'll be honest i am scared me too yeah um i really hope you follow some of the pointers we talked about today.

1:41:57Oh, I'll tell you the first thing I do is the first thing I do is pay off these high interest debts and never take on another one. Never. And I had no, and again, the thing I learned from you here today is how bad these were. I had no clue that they were as bad as they were. That's what I do. Uh, and yeah, IRS and then more self-employment income or setting aside some money for taxes. I don't think your tax bill is going to be exordinate, but, uh, no, it'll probably be about another two or three thousand this year it should be reasonable it should be reasonable potentially selling the house oh geez yeah really it's an income question and what you're not just willing to do but what you're able to do as well because of physical things and because of your background and you're right the internet search that's the killer that's the killer the the felony you can steal the internet search it's impossible never goes away so just have to hopefully get hired by someone who doesn't know how to use the internet well the goal is to uh and and again the head the hunters I've talked to, the employers that I've talked to, it comes down to finding someone who doesn't care.

1:42:55And we talked about that when it comes to like people will hire felons and people will hire whatever, right? We are second chance employers, right? Yes. And they will look at this situation and you just got to find that one sympathetic person. That's why I've never given up on finding a job, right? They keep telling me how impossible it is. Why did you only do 12 applications this year so far then? Everybody told me, wait till the felony is sealed. Okay. Wait till the felony is sealed. Gotcha. Right? Like imagine you apply for a place right now and the felony is on there. and now they're aware of you, and now you apply six months from now.

1:43:24They remember you're a felon, right? Let's do it in six months when the felony is gone, and they never even have to know I was a felon, right? Now all we have to do is find somebody who can deal with my disability and can deal with the fact that they Google my name, they see a bunch of rumors, and that's the killer. That's the killer. They're only rumors because they're not true, right? And you just got to find the person that understands that. So I don't lose hope that that person exists. Please don't lose hope. Please don't lose hope across this entire thing. That's going to be what drives you forward.

1:43:54Let's just do one more guess. Just one more thing. Across all your investments, not the house, but everything else you own, you can survive nine months. Nine months and the party's over. And think about this positively because this is how I'm thinking about it every day. I get nine months to try to find a work groove that gets this income up that deals with my physical restrainingments, that deals with my mental health issues, that I can find the right groove to bring in this income before we have to sell the house. How many people walk in here that don't have a nine-month grace period? I'm so blessed to have a nine-month grace period to figure this one out.

1:44:37Do you have any final thoughts, any final anythings? You know, I looked into what you were doing here, and you're clearly a very entertaining person. But at the end of the day, I learned a lot here today. Good. And I think this, I definitely think you're doing a very good thing for people here. You know, you're doing it in a very entertaining way. I'm just me. And I mean, you know, maybe we butted heads a little bit during this thing. That's okay. But I think what you're doing here is much needed. I think the system is designed to take advantage of people. And not to make myself to be a victim, because I don't think it took advantage of me.

1:45:16I just made some bad ass voices, right? But I think there's a lot of people out there who don't have access to this knowledge, that don't have access to this information, and what you're doing here really helps people like that. And I'm glad you do it, man. I'm really glad, and I'm glad to be part of it. I appreciate that. That's cool. I appreciate that. And we've gotten official, official knowledge now that Boogie did not buy a Tesla. I never did! Oh, for Mr. Boogie. if we can't afford to live and we're spending$900 a month eating out it's zero if we have irs that is the debt category is zero the emergency fund category i'd love to give it higher because there's a decent amount of money but it was all in crypto volatile endless stupid crypto so two retirement there's nothing zero i'm not considering the crypto and real estate i'd like to give it higher but because he honestly just can't even afford the minimum monthly payment And right now, I have to give it a five.

1:46:11And that's going to be a Hammer Financial Score 1.5 out of 10. Make sure to check out all the resources linked in the description below, including the best budgeting program ever made. Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of Financial Audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.