Definitely “Straight” Male Hides Onlyf*ns From Wife |

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. Me and my friends will go with the girls we're dating and hit s*** pubs. How much has been on the f***s last night? You get a VIP section, you chill with the boys. In the moment, life feels good. There is nothing you can say that is going to get you out of that. You're going to try to look good. F*** you, you don't look good and now you're looking worse. There's definitely been a lot of progress made. But it isn't correct because that is not what is being shown. Shut the f*** up! Download my new Simpler Budget app today and take control of your money once and for all.

0:33Hey, I'm Thomas from Fort Lauderdale. I'm 30 years old, and this is Financial Audit. Thanks for coming on in. So what do you do over there for a living? So I'm a full-time tattoo artist. Okay. Hmm. We just had one of those. Interesting. Yeah. So I bet you're all covered up. Actually, I'm not super tattooed. I have both my shoulders done, my elbow done, and a bunch on my legs. Interesting. Yeah. Ginger hair on people's arms. That's something I have not really seen. Okay. hmm interesting so awesome what are you making tattooing people in florida i bet people get lots of drunk mistakes in florida partying it up and they're just like all right let me get tattooed a dick on my forehead or something definitely a lot of dicks on the forehead for sure uh no the good thing is uh i have a lot of people that come based off referrals not too many drunk people but it does happen uh i'm doing a little around estimated close to 150 000 average a year now okay for tattooing people last time i had a high income income people on the show it was a couple they are very high yet their financial situation was one of the worst i've seen in 2025 so far which leads me to be uh concerned as i have another high income earner on again and this isn't a thin stack by any means so a thousand 150 000 a year incredible you own the business yes sir this is you yeah all right well let's can uh immediately let me just clarify if we have an affinity zone or not have you paid your taxes currently i haven't filed my taxes for this year what was for this what do you mean for last year for 2024 i haven't done them yet yeah for 2023 okay well that's a bigger one that's a bigger one uh thankfully well i did attempt to go file my taxes i kind of had an issue with that um the place i went to seemed kind of shady to be honest with you what does that even mean what's shady turbo tax.com oh no no not turbo tax.com i don't where the did you go um i went to a building that was recommended to me by someone in south florida let's just you went to a building yeah someone you went to a building it's a very nice building does that even mean i went to a building you didn't go to a specific tax group you went to a building well it was a tax group inside of a building that i was referred to well i would assume you'd go to a building to meet them okay so this tax group it was recommended to you yeah and overall i went with the intention of getting my personal taxes set up uh doing my small business taxes when did you go uh february march-ish of last year in 2024 okay with the attempt to pay 2023's taxes okay yes sir sure um for 2023 i was working in a shop so i had a 1099 um so i had a 1099 from the shop sure made a lot less that year uh went to go file my taxes and just a 1099 yeah how much help did you need to file these taxes things shouldn't have been overly complicated i genuinely have no idea why didn't you try to file online well what did this look like um normally i filed a w-2 for the job i worked yeah the easiest it could be sure super easy always did it so a little more complicated and you freaked out um i wanted to make sure i did it right i didn't really know anything about small business taxes or a 1099 at the time like i said i taught myself how to make money not how to use money uh taught myself how to scale my business use money paying taxes isn't using money that is a part of earning money taught yourself how to earn money but second half where you've owe the government money didn't think about it is didn't think about the government too much on that one i was like all right at the end of the year i'll go have my money okay so what happened with this tax group anyways um they uh tried to tell me i would get a hundred thousand dollars back of filing a hundred thousand dollars back right whoa whoa okay of in 2023 you were a 10 you 1099 all year yes sir all year yeah yeah and you will you have back what did you give the government at that point i didn't pay my so what do they mean you're to get something back so when i went to the place at first it was cool seemed normal um seemed a little sketch out but they're like oh you have a small business we can take out a loan or set up something for that uh once i started talking like that i was like this probably is not the place for me well what do you mean they may have had a tax strategy specifically designed for your business that would save you money on taxes on maybe loaning yourself money or something i don't know it was yeah i didn't know i don't know without the nuance that you're able to provide but you just heard loan and you got scared and ran uh which might be safe for you seeing how much debt you're in which by the way i don't even know the number i just know there's on here because it's thick so what do you mean you ran from that uh to be honest it just didn't make sense to me well can you even explain it to me what they were offering they were talking about filing my taxes and that they they thought i could get were telling me i would get around a hundred thousand dollars back well you mentioned this thing about a loan for me like what are we talking about well i went there talking to him if there's options for like a small business loan or things like that like i said i don't know much about running a business uh trying to learn so they came to me talking about how uh with a hundred thousand dollars they could do this and that but it didn't seem legitimate and it just seemed very sketch they were talking about outsourcing me to somebody else and at that point once i started trying to contact the people to go meet them in person that person kind of disappeared and i was just like yeah i'm gonna worry about this at a later time so i need to figure out how i'm gonna do my 2023 taxes why don't you go to another people or just online again why'd you just give up

6:44you just looked at the camera yeah i work a lot i work seven days a week and you're trying to worked the camera no no no but anyways um so honestly i just is put it to the way side as much of a joke as your taxes no not at all oh what are you doing why are you putting a little show on for the just just explaining the situation you know okay while also staring into their souls i guess okay interesting we might get our uh the cpa we work with for our other brand simpler money with of course a simpler budget app like we're trying to make it the best budgeting app ever we might get our uh business tax expert on the phone yeah and see what he thinks about this and maybe actually be able to describe what the f*** you're saying because I have no idea okay so what is going on man what is going on because I did ask about the tax situation because I just had a wild guess because you're on this show people love to not pay taxes as business people here so who would have thought but what is going on I do want to pay my taxes huh I do want to pay my taxes okay but you didn't so I don't give a f*** if you want to what do you mean for sure but my goal mean well i do want to pay them i don't want to do it money what do you mean you want to but you're not what's the point of want without doing i tried to go pay them what is that no you walked into a firm and then you did nothing after that you didn't put any effort whatsoever you had well i didn't just walk and ran away like i didn't just have one conversation hibernated no with the firm i didn't just have one with the firm yeah you went to one firm i went to a tax place one and and they didn't work so you go to uh another google uh i probably should have did that yeah for me i was just sitting there and i was like all right the process they were they it was a back and forth process so after like a month of my time wasted it kind of went to the back of my mind and i was like all right we'll figure this out but it's been two years now so it's been one year okay one year since the filing that you would have done yeah just one year now even still uh 2024 how much of this were you 1099 versus just full like yeah yeah the whole year is that what you're saying is that what that means other than the first two months so for the first two months of 2024 i was still in the shop and then i went into my own studio so good news about 2024s you're a little late right now to make an estimated to payment essentially and then you would get your full filing done obviously by the deadline however if it's your first year in business you'll probably be fine in terms of filing late filing for extensions without having to pay any penalties gotcha lucky on that 2023 not so lucky on do you know how much into how much did you earn how much did you earn in 2023 what was the reported earnings.

9:503, 1099. What I was paid out was like around 60 ,000, I believe. 60 ,000. And what were your expenses that you put into that? I'd have to go through paperwork. Go through paperwork? It was a year ago. You don't know a general number? Wait, when you went to file, were you not ready? Did you not have those numbers? So did you ever get those numbers? So you never knew those numbers, your expenses. Yes, your business expenses. No. I guesstimate around$500 a month. That's it? Sometimes more. Yeah. It varies. It varies if I... So let's say like 8 ,000 hours a year maybe and you made 60? Sure. Let me do some quick back math on what you would owe.

10:38It could be more. But we'll use 8 ,000 as a safe guesstimate. Well, you said 500 a month and I made up 2 ,000 extra. Okay. Yeah, I guess that works. Like I said, I don't know. I have to go through and see how much I actually spend. Are they qualified business expenses? Are you going to be able to fully prove it? Receipts and everything? 100%. Yeah. It'll be tattoo supplies, needles, machines, inks. I'll give you 9 ,000 hours. I definitely need someone to go in and help me figure this part out. Why don't you go to someone that's your responsibility? I just need to What? What do you mean? You're like laying that on someone else's foot?

11:22No, I definitely just This is all you, man What was your plan for this? Because again, you would have had to pay some estimated at this point For this year? Last year Well, for 2024 A couple weeks ago Yeah You get a year of grace period And you have used your year So don't f*** it up for this next year, man I definitely won't yeah are you sure yeah so what is going on i'm gonna calculate your taxes ish so i'm here mainly uh definitely for like advice i'm asking what's going to explain my situation uh going on as far as my lifestyle my work going on with my taxes with you buddy oh with me you're here what is going on my goodness so anyways yeah i tattoo full-time I work about seven days a week and I'm just trying to figure out where I should start utilizing my money how to fix my current debt situation and how to move forward from there like I said no excuses I could have done the research myself this is my attempt in learning right now so I'm trying to figure that part out what should I do to pay down my debt what's a good strategy for it what should I invest towards the future once I fix my tax problem what's going on in your life life's good i like my lifestyle actually i live very good that could be a problem it definitely could be so i feel like do you see how those goals might conflict got to make changes in my current lifestyle to you said i'm happy with it and my life is good yeah i had large purchases oh hold on let me just get some just basic income here as i'm getting some calculations is being did and done.

13:10Okay, so the Zelle, the Square, the external deposit, the ATM deposit, and Apple Cash In, is that all income? Yes. Good, so$14 ,000 came in. Of course, you set 30 % aside for future taxes, I'm assuming. You did not. Not 30%. Of course not. Why would we do that? Now, what do you think your spending was for the month? Probably$10 ,000-ish. Okay,$14 ,409. So you were over by a few hundred bucks. yeah why do you think yeah he just says yeah he just says yeah even though you said no you just said it was ten thousand dollars and then i correct you and it's more than you made you're like yeah no my bad i zoned out what did you zone out what are you zoning out major channel announcement budgeting budgeting budgeting it's a new year we're all trying to budget we're all trying to make it a little better trying to improve our life a lot of people on the show A lot of people out there that I've heard from, they try to start a budget.

14:07They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life. So it should be simple. It should be chill. It should be easy to set up and easy to manage. I've called it Simpler Budget because that's all it is. It's your simpler budget. But we upped the ante with continued education and an ad-free version.

14:45In the premium version of Simpler Budget, you can track your spending, set goals, and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here. There's actually weekly live sessions with financial professionals to answer your questions and keep you on track. They'll be teaching lessons and you can ask them things and they will actually help. There's also weekly mini classes keeping you up to date and educated on every financial topic you need to improve your life. Plus, for a limited time right now, you get access to our new budget friendly cookbook with 55 money saving recipes to eat well without overspending.

15:24It's time to actually make a budget and stick to it for the first time ever. let's take control of our 2025 and make this the best year ever download the simpler budget app today a link in the description below this budgeting app will change your life no i was just thinking you answered the question what are you talking about zone out no i that's what i was trying to say what are you trying to say um i didn't realize how much i was spending so a big reason i'm here is back in my lifestyle my life sounds good everything's great in my life it's only my debt guys and i want to figure out how to pay it off but i'm not willing to adjust my lifestyle no i didn't say that life's good i like my lifestyle actually i live very good i'm able to adjust my i love my yeah but i ask what's going on in your life and you say i love my life my life is fine it wouldn't be fine it wouldn't be no i'm trying to get to that so i'm used to not having money and living in south florida uh and i think like a big problem for me is the lifestyle creep i didn't expect to make the money i'm making and then i started living a little bit maybe not a little bit way too outside of my means uh i think with that i slowly and surely adjusted into a lifestyle that i didn't realize was what's the lifestyle uh going out all the time going with the girls we're dating we'll go out and eat the girls were dating uh me and my friends will go with the girls we're dating and hit strip clubs well to the club romantic party oh my goodness do i have the post show story to tell today so i didn't realize how much money i've been spending uh because in the moment life feels good you know yeah life feels great titties right girls titties ass eating whatever you want doing whatever you want whenever you want going out uh but i feel like trying to catch myself now before i need a ladder to dig out the hole well well i could still try to reach You're in the hole.

17:20It's the taxes, man. You probably owe about$10 ,911. So around$11 ,000 is kind of ish what I got. Got you. That's a substantial amount of money. That's basically your monthly. Right. That's basically your monthly after you set money aside for taxes. A whole month is taken away, and then you have to deal with all the other bills, and you're in other debts. So where do you think your finances are on a total score? Zero to tens. Zero being the absolute worst, ten being the absolute best. Like a two. okay i i personally don't know we're gonna go through this together i haven't gone through your finances yet um i like to kind of go through it with the audience it's a new thing we're trying so all right if you guys want your hammer financial score it's free link in the description below see where you stand in the world of finances and if you want to come on the show you can fly here from wherever we'd be happy to have you go ahead and go to caleb hammer.com slash apply and yeah you'll go through the whole onboarding process you'll come here you'll sit with me it'll be a good time because you're from the audience right yes sir yeah like everyone is it's really interesting okay i definitely am a taquitos madman as you'll see with my expenses okay so discover it right here um we are immediately we're immediately over okay I didn't realize we're starting with you didn't realize yeah you seemed that last like maybe five minutes seemed so software I was like okay so this conversation this might be easy to come up with a conclusion at the end I wasn't aware I was over on a credit card it's a first credit card what are you what's the you're talking about you owe you owe to the discover it card $1 ,504.06 with a minimum monthly payment of$61.

19:09I wasn't aware. Why weren't you aware? What do you mean? I didn't realize I was over. Well, how about this? You pay less than the minimum monthly payment. First, let's start there. Second, you then purchased$111. Well, how many tits did this purchase? How many tits are you buying? Then$41 a fee. Is that the tit fee? And then$33.19 of interest. I mean, your credit score is kind of shit. Anyway, yeah, you've inflated yourself. So what the fuck is this fee even for? So we're getting insurance? What's P-School? What's P-School? What do you P-Schooling? It's actually a tattoo educational course. So we're going over our credit card balance on a tattoo educational course, of which is an industry we're already being successful in, but instead the finances that we're not being successful in is what we're f***ing up in order to try to correct something we're already doing.

19:5939 and then a dollar and then 71 for life insurance you got life insurance coming out of a credit card a credit card that is maxed out that is accruing interest that is gaining fees yeah yeah i didn't realize i was over because i always do make the minimum monthly payments uh are you sure because i see many years chart uh many fees charged in the year 2024 meaning i don't think so i think we probably had fees of not paying the minimum payment because we were probably let oh there it is that's what happened this last month was a late fee and you probably had about three last year so incorrect incorrect you can't lie i have your numbers you cannot lie you cannot look here like the good little boy now that you are on camera i will call out the bull okay okay this isn't a bowl of lucky charms i will call out the bull i'm just confused because i have them on auto pay you probably didn't have enough money in your bank dude i'm i'm pretty sure i had enough to pay for that well guess what you have a late fee right here a little tip a late fee right there in three last year i always make the minimum monthly payment late late late three last year and then the statement we have late so what are you talking about they were paid um on time how would you not know have you never budgeted are you not someone that budgets do you not budgeted you've never budgeted my philosophy has always been i just need to make more money that never works we've we're seeing this this is a repeated pattern this is a repeated pattern and especially in american finances specifically i don't know other cultures as well obviously but americans think they can just earn their way out of the debt and even the people even the people that like hate the show they're always like well they're in this much debt because they don't make that much it doesn't matter man it doesn't matter i can get people that don't make that much money out of debt and i've seen people that don't make money have don't make much money have less debt than you yeah and then the higher you earn the more debt and more earnings is going to make you spend even more you're going to get a pay raise by 10 you're going to spend 20 more that is what happens with you problem because when i wasn't earning this my bills were paid on time had no when wait when did we start getting into debt the past two three years maybe since i started tattooing and making a lot more money than before.

22:18I used to make$20 ,000 to$40 ,000 a year, lived on my own. You made$60 ,000 in $23 ,000. Did you make it$22 ,000 when you started going into debt? Probably 2023 then is when I started going into debt. I remember... Your philosophy is what? That I just need to earn more money if I'm not making enough. You do not get to leave this building. We will lock you in and bring out every weapon we have until you download the simpler budget because that is a broken philosophy at least in there with the automatic connection to your account you'll see the money right that is coming in you'll see your income and then you can at least know that okay this is how much i'm making here's the spending categories that i set up and i won't overspend on them meaning i won't making more money you will see it reflected and you will not spend over that because you're going to track it on a damn monthly basis.

23:15I need that. Yes, you do. Definitely need that. Because I went from making$900 every two weeks on a paycheck to some days I'll do$1 ,300 a day. And spending$200. That shouldn't be the issue, though. No, it shouldn't be. It is. Because I now justify to myself spending$200 like, I'll make it tomorrow. That's the issue, not the income. That is the issue. Not the income variation. it's the mindset i've had with it which i'm trying to fix which again he sounds reasonable but then you have the well my philosophy is uh i'm just gonna earn my way out of it which uh that hasn't worked for two years in fact you started making more money and you went into more debt so obviously earning my way out of it it's not something that is working so you sound reasonable when you put it like that and then you sound like i know hey that makes a lot of sense my philosophy is screwed but i thought it was working good I was living chill nice relaxed lifestyle now it's like all right I got access to do whatever I want to do whenever I want to go out if I want to take a trip and go on vacation I could do that you know I don't think about the money as much which is a problem sorry for the weird cut there we just literally had the power flicker but sorry okay I paid my pants a little I got scared

24:30okay how long does this take to take the payoff just doing the minimum payment which by the way Of course, you don't do because you don't pay it on time. You don't do the full amount of it and you actually purchase on it. But let's just say you did the minimum payment on time. How long does this take the payoff? What's the total on the card? A thousand five hundred four dollars six cents. Three years. Ten years. You'll be 41 years old. I didn't know that. I didn't expect that one. I thought minimum payments would get me there. You know, 60 divided by a thousand or a thousand divided by 60. So quick.

25:03Yeah. Yeah, I said this would be paid off in your 60s because you spent. No, this will never be paid off. You spend more than you put on and then what you put on it is late. So you get fees added onto it anyway. And then with the interest accruing, it's just like the whole thing is you. See, I didn't even think about that part either. Is everything I've been paying. No, everything I've paid for the last year has been interest payments. No, if you do the minimum payment on time. Yes, the majority of it goes to interest. But you do start hitting the net. I didn't even. Yeah, I didn't really think much about.

25:29But if you're late on your payment with the fee added, then no, you're not making any progress towards net and especially if you're purchasing on it that's just why you're over the credit limit just getting cooked i'm kind of cooked on that one all right i need to change that i didn't realize that i always thought if you make the minimum payment it'll pay off like a car payment but that is what would happen and that's where i'm screwing if you're late on a car that wouldn't happen right they take the car no not late fees that's no pain but your late fees yes that'll add fees that means that maybe depending on your car loan situation you're not making any money net towards it with the money that you are paying yeah i mean to be honest with you man i just it's kind of a cop out an excuse but no one in my family is good with money no one in anyone's family is good with money you that's america welcome we learn things you have access to google you have access to more tools than any generation has ever had access to that excuse holds no water no holds nothing you have free library you have free e-libraries you have chat gpt you have google you have youtube resources you have our budgeting course you're gonna take our budgeting course i'm glad you get it actually now it's funny i was it was a random decision i had i've been watching your show for maybe three months now okay starting to become more conscious that's why he sounds a little like oh wait this guy might not be a complete dumb and then but then he just loses track of it and goes back to his old ways so i'm trying to fix that trying to do a little bit better you need to do a lot better but actually i was going to um pay for your course and that was my crap shot i was like let me just apply to be on the show and see if i could maybe do it that way good job so i'll make sure to utilize that yeah but instead of being over the rainbow like people like you should be you're over the credit limit right which is horrible i don't want to be i want to be the one that breaks the cycle in my family like I said no one in my family has been good with money you're doing nothing to do that I built a business I got it to a decent point now you're into a worse financial situation than when you didn't have your business so what the f*** you're talking about and I need to get out of that so I can keep going forward I know but that isn't going to help this conversation you guys hear how he's doing this I just want to make sure do you hear the language every time he gets a little bit of pushback on anything he does wrong he's like and I know that's wrong and that's why I need to stop doing it that doesn't f***ing accomplish anything you're shut the f*** up you're using that as an that as a cop out.

27:50You are using that as a cop out to not get any... You are getting pushback for the very first time in your life. And shut the f*** up for a second. You are... Shut up! You are... I gotta ask you a question. It's important, man. Oh my f***. You are using that as a damn cop out instead of actually confronting your situation so that you can sound good on camera when in reality your numbers are not reflecting the language you're using. So shut the f*** up. What? So what I'm trying to say is like I just didn't have any idea what to do. I didn't realize I was making the money I was making. I didn't even check until December how much I made this year.

28:26And then I was like, damn, I'm broke, but I'm making over$100 ,000 a year. That's a problem, a big problem. So I'm trying to fix that. There it is again. This guy's okay. But this is the guy that you try to have a serious conversation with and you actually never get anywhere because he does the little thing that just sounds slightly right so that the conversation can just be negated and you're like because you can't you don't want to naturally push back against that because it's like you're like oh well that's kind of reasonable but then none of his actions outside of his actual f***ing language is associated with it so really it's almost more of a manipulative tactic that you're using shut the f*** up you're literally late on the credit card shut the f*** up but i didn't miss the payment i did you were late you had fees added you are over the credit limit shut the f*** up there is nothing you can say that is going to get you out of that you're gonna try to look good you you don't look at it now you're looking worse even though you're trying to look good shut the f**k up shut up buddy i want you to do well but your attitude here is something learning you know i'm failing right now i'm trying to learn right now listen anyone like this you've had the conversation out there you know exactly what is happening you are trying to manipulate this conversation and it is weird man instead of actually taking to heart the things that are being done and just listening you're trying to look good when in reality the numbers the numbers that have come from your actions are not reflected to the words you are using so you're manipulative and pointless so shut up we're going to the next credit card yes sir blue cash every day american express you owe three thousand four hundred eighty $35.38 with a minimum monthly payment of$125.25.

30:19Okay, this one's weird because you kind of almost paid off the credit, but then you put all the money back on it again. But even worse, instead of putting the money towards the card before the interest hit, you had all the interest hit anyway of$91.31. I mean, you're at the credit limit. You're at the credit limit. I'm so confused. What's going on? So I started using this card as like a secondary debit card. It's a credit card. Well, I started trying to use it as a debit card where you're supposed to have it paid off. It's a credit card. You tit. Yeah, but I was trying to use it to accrue the bonuses and the cashback.

30:54How'd that work? You're losing$91 a month. I don't think most debit cards have a$91 a month fee. So shut the f*** up. The reward dollar says 69 though. $69? Yeah,$69 in rewards. cards okay as of november of last year so how long did it take to create the 69 i try to use this how long did it take to create the 69 i really couldn't tell you how long have you had this card two years how often do you pull the cash out maybe every like couple four or five months all right guys this is super exciting for this financial audit channel i got big news for you today for the rest of this week if you join our youtube membership at the elite level or upgrade from pro to elite i'm going to pay for it i am going to directly reimburse you for the five dollars for upgrading or ten dollars if you join now it's essentially like a free trial except since it doesn't offer it i'm gonna pay for it for you all you have to do is follow the instructions that i'm gonna post in the membership area send us that proof and i'm gonna send you the money and boom you joined hammer elite for free yes seriously guys there's thousands of hours of extra content there.

32:01You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart. No, that's not true. Honestly, Ashley, that's Lindsay for you. Weekly live streams. So Caleb, what's your social security number? I'm doing it. Three, eight.

32:23Three, two, three, two, three, two, three, two, three, two, weekly videos. It's crazy how much we have going on. Well, I got so drunk I kissed a grandma in Spain with only partial consent and then I ran off through up on the beach. Plus, it really helps support this channel. So let me pay for it for a month so you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of this week. So it takes, let's say it takes four to five months to accumulate$69, but you lose$91 on a monthly basis.

33:05But I tried to use this one for my business expenses. Are you talking about? It doesn't make sense though. The rewards are not justifying this. It's not even covering a full month of the interest that accrues, but then the interest that accrues on this. What's the interest on it? $91.31. See, I told you. Damn, I didn't even. I literally just told you like two minutes ago. yeah i didn't realize how much interest i was paying why didn't you um suggestion brief suggestion for sure look that would have been a good idea i just chose not to i was like i'll pay it off until i'm able to completely pay it off so what well pay it off until i'm able to completely pay it off it was what i thought would work okay well obviously everything you think never works so maybe stop listening to yourself what has worked i built myself a good business you've got yourself a good business but again you're in a worse financial situation so what was the point of even building the business because you're in a worse situation than when you made 20 i'll be honest a year or whatever when i was making twenty thousand dollars a year i was sitting there thinking like oh if i do my goal was by 30 to be a full-time artist work just for myself artist and be financially free what art uh tattooing painting murals i do a little bit of everything sure sure uh with that my goal was to be a full-time artist by 30 uh doing the custom jackets and paintings and all that stuff i'm glad you got there but again you're in a worse situation so when i was making twenty thousand dollars a year i'm like oh if i make forty thousand fifty sixty thousand i'll never have problems everything in the world would be solved like i'll never be bad with money okay i'm sitting here today f***ing up my money literally billionaires can be bad with money and they can lose everything like that doesn't matter it's your actions around it.

34:51Okay. How long does this take to pay off? 20 years. Okay, 13. So you'll be again into your mid-40s at that point. I'll be old and gray. Not at 40, hopefully. But yeah. So that's something I was trying to figure out. Dude, it's all bullshit. What is Studio 6? Studio 6 is a hotel. and I was paying that for my sister sister yeah for my family uh they're kind of going through a hard time like I said no one in my family makes money uh just okay I appreciate that and I would do the same thing but on a credit card that you can't pay off when you have the money that you would be able to cash flow if you're managing this correctly this is what managing money's for because life things like that come out of the blue that you cannot control and you're doing the right thing for your heart good job yeah but because you've yourself financially you're yourself even more trying to be the good person so it doesn't work that's why you have to be in a good place financially so you can actually support those around you and since you're bringing yourself down with them right which i'm so with the credit card it was i'll put the money on there that of the hotel that's an expensive it's been three months of that so i don't know how many nights is the 545 call a full week seven days three months is there any end in sight for whatever's going on we're keeping it private but yeah not really well is there a better alternative yeah currently uh she's back at home with my family or my mother yeah oh okay good so we figured that part out well the rest is uh you went to a restaurant new amazon prime color dragon saw tattoo needles huh tattoo needles also that's yeah it's a needle brand business prime video channels is not the collagen curators uh i couldn't even tell you what that is $68 that's not insignificant Prime video prime video What the f*** are you doing on there Watching movies with my friends What every movie ever You're renting a video every day prime video Channels prime video channels Buddy it's f***ing videos every second of your life Sometimes it's for clients too While I'm tattooing them F*** your clients they don't get to choose they can pay They can pay put on f***ing just bulls*** TLC It keeps anyone entertained Like drooling idiots It's$2 here,$2 there.

37:11It doesn't really add up in my head. So I'm like, all right, we're chilling at the house. That's not even close to Drew. Maybe$19 max if I own the movie. Yeah, I mean, but again, how much did you spend again? The money that you spent on this card in the last month was$3 ,194. Sure, a lot of that was the hotel, what,$1 ,500 of it? But not everything else. I use it sometimes, too, for life. Just regular stuff. like yeah so this isn't working you're saying you're using this as a secondary business debit card it's not i just don't have a how it works so i have two bank accounts and one of my bank accounts i just don't have the debit card for so i just transferred i lost it a couple months back and just never replaced it so i would just transfer your excuses are so stupid i went to a tax service it sketched me out so i gave up i lost a credit card so i gave up so and no no finances.

38:06I just transferred it over to that card. But it's stupid because this is ruining you because you're at the credit limit and you're losing interest on a monthly basis and your points are not even coming close to matching it. So what are you talking about? That doesn't make any sense. You are lazy and you justify the f*** out of things to enable your laziness. It is crazy. That is going to be the main thing that you're going to have to deal with. That is going to be the main thing you're going to have to deal with, man. Talk to a therapist. You can get three free sessions through Soundermind. They support us and the community out there and then also f*** the fizz card man at least that is a debit card that builds credit so stop your bulls*** there are actual things as someone who watches this channel that you would know about that are actually good for you because we have tools that are good it's a debit card that builds credit debit card that builds credit it's easy as that it only allows you to spend notes in your checking account instead of your dumb that might help a lot yes that probably would help a lot actually yes that's yeah that's why they're in our resources is no no you're good you're good let's let's read the next one i guess that i just thought i was doing good i thought i was making sense by trying to get the reward points but clearly not your debt being sacked up and being late on payments and accruing hundreds if not thousands of dollars in interest on a monthly basis and being in a worse financial position than you were when you made 20 000 hours a year in what situation would you consider that good i don't know how would you be able to assess that and be oh this is good i don't know what good would be seen there.

39:33I wouldn't think that is good. In fact, I don't think it's good and I wouldn't think it's good. How do you see that as good? That doesn't make any sense. That's not good.

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41:01Don't miss out on this amazing offer. Thanks to Factor for sponsoring today's video. Let's get back into it. My rent's paid. My basic bills are covered. Yeah, but you thought your credit card was paid on time and it wasn't. Are we sure your rent's going to be paid on time? If we look, that's one thing I don't play with. My rent has to be paid on time. So you play with credit cards. So other kind of debt that completely ruins your life you decide to play with that i don't think i've taken them as seriously definitely not why would you not take them as seriously uh it's kind of like money that's not in your hand you just well yeah it's because it's other people's money it's just kind of not as which is more dangerous for you because now you owe interest in fees or that goes to collections credit and good luck applying for any kind of loan to pump money in as a cash injection thankfully i don't have anything on my collections either like yeah how that happens what happens when you don't pay your credit cards on time.

41:48And if you keep maxing them out and they're over credit limits, eventually you're going to start running. You have a couple of bad months. Maybe you get injured. You don't get to bring in any kind of income. Maybe you get disability at best from the government. How are you going to afford to pay these minimum payments? See, I started thinking about that too recently is like, I am 30 now. But your credit score is 589. Right. At 1.760. Don't care what it was one point. At one point, I was a piece of shit. I've grown and I've made my life better. I don't care about that one time. I don't give a fuck your one time.

42:17If you were good then and you're bad, now you're bad. And that's all that there is. So hopefully I do better. I need to do better. Hey, guys, he was confronted on something. So he tried to do the little cop out instead of actually facing the reality of a situation. Good job. You'll never make any progress in life. Well, I'm screwed right now. I've made a lot of progress in my life. It's definitely been a lot of progress made. I could tell you that for sure. Give me some.

42:45well the main one i always progressing as an artist i made a lot of strides in that i uh take care of my bills not my credit card bills oh because they're not bills yeah well no they're bills i just didn't realize i had anything late i thought i was on time with that okay it was multiple times last year you had multiple times to catch it but i paid them off when i paid them off i paid the them on time just a little late i didn't realize they were late just a little late I didn't even realize they were late your way of trying to weasel out of things is very weird I've never heard something say I paid something on time by paying them late that's going to be a new one I didn't miss a payment you know how many businesses get started in a year and end up being closed it's the highest percentage and now you're setting yourself up for income you think you're going to make in the future when the statistical likelihood not saying I want it to happen but statistical likelihood your business is not going to survive within the next few years i don't necessarily think that yeah but there is that statistical reality in the united states that is capitalism you risk you lose or you win but you have put yourself in a far riskier situation by assuming you're going to be able to pay all this off because your income is going to continue to grow because i'm doing so well that everything's so great so whoa but guess what that's not how it works on a statistical basis and i've seen people in your situation and what happens to them in about a couple years that's called like 30 % of the people on the show and you do not want to be them.

44:09Your situation is fucked, but it can get a whole lot worse real quick if you're not careful and you are not careful. And instead of even trying to confront the situation, you try to weasel your way out of every little confrontation. Well, I want to get out of this situation. Sure you do. Then where was the action to get out of it? You want to? Sure, you want to take the steps. Definitely why I'm here. I'm trying to get out of them. That's not an answer. I'm not a magic pill. not a magic you're definitely not a magic pill it's on me to fix it anything so why haven't you done anything it's on you uh why haven't you taken the steps doesn't look like you've taken many steps but it's funny because he's fat so i don't really know the steps to take for it should i pay off my debt should i set money off so you haven't googled things so the things we talk about on the show are pretty damn basic i'll be honest so i'm busy a lot like i said i work seven days a week welcome to everyone's life we're all busy in different ways some have family some Some have crazy things.

45:02Everything's different. Medical emergency. That's my main thing I'm trying to figure out is should I put money aside for the taxes first? Pay off the credit cards first? Should I make a plan for that? I don't know what to do. And you could not Google this. Something that when you're busy takes about half a second. I didn't think to Google it. You didn't think to Google. Yeah. I didn't think to Google it. I didn't realize. I had a question and didn't look up the answer to that question. It's not that I didn't realize how bad off I was really. Why didn't you look to find out? It's starting to hit me even more.

45:30why didn't you look to find out because like i said my day-to-day life feels pretty good i feel comfortable i feel like i live comfortably why would you apply to come on the show if your day-to-day life feels pretty good i'm trying to catch myself before i get to a point that i am screwed well how'd you know that you were getting into a situation that would end up to being being screwed even though you're definitely already in the screwed position but if you knew that you were in a situation where you're gonna head to be and being screwed that is when you are able to look things up but you decided not to look things up so by the time i started realizing that it's kind know when i applied around the same time i started watching your show and applying to be on good so three months yeah what you haven't looked anything up in three months i haven't read your book why didn't you take a class why didn't you google youtube anything i probably should have done that should have yes absolutely that's exactly what i'm saying congratulations on copying what i'm saying right now what i'm trying to fix right now is i know what you're trying to fix i'm asking why you didn't and because you can't give me an answer i didn't take any i just didn't take time to do it i know why i just didn't spend the time to do it big guy uh i focus on other things in my life okay so what are you focusing on instead uh you know scaling my class i should have took classes instead of for tattooing probably for finances yes like i said i should have took in class for you uh when i wanted to apply for your i should have bought your courses yeah i applied for here here i am now hoping this helps for sure it's not going to get you out of this confrontation so good luck with that um but i just didn't spend the time just plain and simple that there's no excuse behind that i spent time not looking for an excuse but i do want to hear why and you started to give me why you're on the right track why don't you continue i don't know why in your little thought you i really want you to break yourself down because if you cannot internalize figure out what you got you into this situation in the first place good luck getting out of it buddy uh living in the moment and not thinking about my future for sure is definitely a big reason um a big thing for me was so it's the moment are you trying to get out of something are you trying to cope what's the moment are you just trying to live the high life because you haven't lived very much i've lived a lot of life and i think now that i have the ability to do anything i want whenever i want i'm not making the best decisions for myself and that's something i'm trying to figure out too is going forward like i don't want to continue to live how i live yeah it feels great in the moment but i know if i'm sitting here at 40 and i'm completely screwed 10 times worse where i'm at now i'm gonna be feeling worse.

47:48That's when it's really going to hit. And I'm trying to catch myself. I'm still disappointed that I can't figure out if you learned it was getting bad three months ago. Why didn't you take this up? You applied to go on a show. That's great. That's the easiest thing you could do. A little disappointed that you didn't look anything up. Amazon Chase card,$489.43. I'm just trying to. A big thing I'm trying to figure out, too, is just the steps to go. I've heard that. I've heard you say that about five times. And how I'm trying to set up for my taxes, too. That's my main thing. I need to worry about.

48:17What's a higher priority? It would be a good first step. Okay, how to pay your taxes? Okay, yeah. Yeah, please. Sorry, Cope Laugh. Let's get our Simpler Money tax expert on the phone. He's great. Go to simplermoney.com. He has a lot of educational stuff there about business taxes. We have experts in every different field. We'll get him on the phone and we'll have him. I'm going to call him.