Desperate Incel Joins Pyramid Schemes To Get Laid | Financial Audit

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1:05It belongs to something called a prop shirt. So I paid$50 for it. Alright. And then another$100 to... How much did you pull out of your retirement account? To be fair, there was only... How much did you pull out? $50. The point I get to the day trading where I don't need to work. Oh, shut the f*** up. Do you think in a few months you're going to be making a full living off of that? I do think that is exactly how it's going to go. Ethan, you live in beyond delusion world. My name is Ethan. i'm 24 i'm based out of houston texas and this is financial audit thanks for coming over to austin what do you do there for a living in houston um so i'm a day trader currently um up and coming at least up and coming yeah okay typically the day trading i see isn't much up it's kind of usually down and coming to zero how you must be doing okay then i it's it's complicated um i had a day trader on before i mean we've had people that dabble but we haven't had a professional day trader i wouldn't i wouldn't call myself professionally yet i'm getting there though i mean i'm just scaling the accounts um i've only taken about 400 out of them and that's kind of where i'm going do you live at home uh i live with my aunt currently for free uh no for 500 bucks a month but you've taken two how are you paying for that so i've i've liquidated a lot of my assets over the last couple months um 24 whatever you're taking away all the compound growth and time that you have in the future of your life what what assets so i oh i liquidated my roth uh first of all and then what my roth ira okay i had a personal one opened up at some point wonderful yeah let's do that our tax advantage account something that would be tax-free by the time you're 59 and a half and penalty free i kind of figured that if i took it out now to use for this then i just put it back later the statistics around day trading i i don't it's something like 85 percent lose money i think it's well i mean i i thought it was a lot higher i've heard a lot higher i've heard a lot of different numbers though okay if that's the case then why pull from your ira well yes if the if the words if the odds are even worse i guess it might be worse but i didn't pull from it just to pay for trading i pulled from it to pay for rent so but uh i uh had a job up until uh like march and i was delivering for amazon for a while and i got big by a dog so i was out of work for about a month because i couldn't put leg or put wow that must have been a bad bite yeah it was a it was a german shepherd so it latched completely on it's 80 to 95 percent lose money uh significant number of day traders typically leave within the first year they quit which yeah and then only 15 remaining active after three years how far are you into this day trading thing i've been on and off for about four years so i started learning oh you're you're you're part of that 15 percent less than one percent of day traders are able to predictably and reliably earn positive returns wait you've been i don't know for four years and you've only ever taken out four dollars four hundred dollars i've taken it i've taken out i've made about three four thousand but i've only taken about 400 enough to survive uh leanly for a couple months i don't know my bills leanly maybe a month okay but uh what is the plate what do you so how are you paid you said because you pulled from how much is available still from those assets that you've pulled from so i have a employer matched one uh with 250 dollars just because i couldn't that's all that's left i couldn't pull it out because it's vested so yeah you better be smiling over that that's absolutely insane yeah uh you're not a full-time trader i'm getting there how but how are you getting there you seem very far if you've only ever been able to profit a couple thousand bucks well i don't want to pull out more money right now just because i want it what's your account at currently it's at about 500 in profit no what's your account at which account all your day trading accounts is about 500 profit right now no no no what's the balance buddy uh 50 500 okay so you're trading with 50 000 okay yeah so obviously you can day trade because you're over 25 000 in your account which is required to have in order to make more than three day trades it's not mine though the 50 000 isn't mine uh explain that so uh the 50 000 is it belongs to something called a prop firm so i paid 50 for it and then another 100 to activate it and there's no loss liability though so if i blow the account i don't owe them anything

6:13how do they make money they're what that doesn't seem this doesn't make sense so it's like a fifty thousand dollar loan in a way in a way yeah they have rules in place relatively interest with the extra essentially if we're calculating the money you gave them and then it's almost a guaranteed loss 80 to 95 chance of loss for based on day trading statistics so i'm confused how this works from what i understand um they make the money off of the challenges you pay for so you don't get the money up front you have to go through their specific challenge and you have to pass it and then once you pass it they fund the account i did i passed one and the challenge it's a profit i believe it was profit three thousand dollars on the fifty thousand dollar account and i did that within about three or so weeks that's i don't know how that business is going to stay in business.

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8:56Yeah, they, uh... wait how much did you pull out of your retirement accounts your assets all your assets how much did you pull out to be fair there was only how much did you pull out 750 it wasn't very high to be fair this is weird man this is so this is a unique conversation this is one we've never had it's definitely hey to a lot of people it definitely seems like the wrong move yeah to like everyone who would think it's the right move people like me which is few and far between really so people like you who will never retire probably less i don't know retirement sounds kind of boring unless you're a part of the one percent of the day trading statistics that actually makes a reliable yeah income pretty much uh but i'm in the starting stages now so i've changed how are you making money how are you paying bills that's what i'm very curious i sold an nft last month and that's how i paid most of my bills bought an nft from you i participated in a project for crypto mining and you're part of every just insane yeah that's only two of them too i mean but i did participate in a crypto project like earlier this year and they gave me an nft and i sold it for about five grand and that pretty much has paid my bills for the last month oh month for the next my bills are your rent is 500 through this month so wait no because i'm about to go through things and you're behind payments what are you smirking about what i'm sorry i'm trying i yes i was behind last month no what were you smiling about all right is that funny to you behind on bills it's a reaction i trying to control it okay uh but so you were behind on payments but you just caught up because you were able to sell an nft yeah it was kind of a last resort and i didn't know existed until i didn't even know you had it no i didn't know i didn't want to sell it and then i had just got to the point where i was so behind that i kind of had to so dude okay so what do we do now how much of the five thousand left um after all the refunds um from my purchases uh about a thousand dollars so what is our plan for income is there another nft waiting no there there's no what is our plan why aren't you working i know you want to be at your desk when the market's open why not work an evening job even part-time at least now that i'm even encouraging this day training thing i can't believe i'm just like even like accepting that um but even still like why aren't you working at all i well originally i wasn't working because of the dog bite but after that i that's right mentally i went between i kind of like bounced between do i need to work or do i not need to work and i've kind of just settled money how how would the answer be you don't need to work i mentally i think i make more money than i do which i know it doesn't make a lot of like concrete sense but are you talking about yeah it's what that didn't make any sense what are you hoping to make on your 50 000 hours i'm hoping to make about a thousand bucks a month okay or i'm planning so twelve thousand dollars a year you're not living off of that no i'm in the process of getting you have to work yes uh well that is the idea yes uh but i so what is the plan then i have been applying to jobs but what i a lot of fast food jobs yeah how often probably once every few days it's that's a joke you have so much free time you do nothing all day you're right you're right and i and most of the times i like noon anyways so You're applying to 50.

12:58Yeah, you just trade the market open? Yeah. Yeah, you apply to like 50 a day minimum. Yeah. I don't even know if there are 50 jobs out there minimum. In Houston? Is there? Oh, shut the f*** up. Are you kidding me? I'm not from Houston. The fourth largest city in the country. Oh, where are you from? I'm from Nebraska. Okay. Well, that's a state. It's not like a city. Well, I'm from Lincoln, Nebraska, which is like. Okay, there's more than 50 openings in Lincoln. Yeah. Yeah, I'm picky though. you're in the fourth largest city uh not being able to pay your bills how are you allowed to be picky not being able to pay your bills what kind of entitlement is that i i guess mentally i just i think i could i i give up on my bills that's the honesty of it and that's partially why i'm in this situation because i get to the point where it's too much to worry about and then i just give up on so what are you paying them to do what is your goal here what are we trying to do i'm trying to get a i guess a path to move forward i i don't okay give up day trading get a job be a man be an adult act your age you're not 12 well i can do both can i well you're really limiting yourself in the job pool having to be in front of a computer screen from 9 30 central to you know noon yeah you're really limiting your job pool it's definitely especially to lower income jobs to be honest yeah well with the that's why i figured fast food or like something restaurant fast food openings in houston right now 591 maybe i'm just not looking hard enough i but you apply to one i did a few days yeah i applied to like a couple serving positions 290 open in lincoln nebraska 290 that's a lot more than i anticipated people like fast food look at my belly yeah i mean i definitely do too my spending proves that how can you spend money you don't have money to spend okay what would you give yourself a score zero to ten for your finances zero being the worst ten being the best where do you self-assess yourself i'd like to think i'm at a one probably like a half like a 0.5 0.5 well at least it's real at least it's honest you want your hammer financial score it's free link in the description below you can also go to calebhammer.com slash apply if you have interesting stories if you have worldviews that you want to be challenged if you're a weird day trader or something apparently you can also apply to be on the show we'd be happy to have uh you know a variety of finances okay all right let's take a little peeky this day trading thing you know uh anyone by the name of john carter for trading john carter it sounds like the movie that came out once okay no i've never heard of a carter it's like one of the only few people that's actually making a living off of doing the thing you want to do and somehow you don't know who that is crazy because like no one makes a living off of it but okay yeah you think usually people hi i'm here to pick up my son milo there's no milo here who picked up my son from school streaming only on pico I'm gonna need the name of everyone that could have a connection You don't understand It was just the five of us So this was all planned What are you gonna do?

16:18I will do whatever it takes to get my son back I honestly didn't see this coming These nice people Killing each other All her fault A new series streaming now Only on Peacock I have a passion into something Usually get to know the leaders of their field But i don't have a lot of hope for you making it in this day trading so this was okay this was at 4 427 then it was 35 of interest accruing and uh it brought up to 4 462 now the minimum payment 726 yeah that's that's because that's about three months behind because it was three months behind actually it might be more because i think the payment's actually 121 ridiculous that's it that's i mean honestly that's just the actions of a child it really is you can go work five hours a week and at least try to make a payment i could but instead what do you do all day okay you trade from 9 30 to noon what is noon to five look like for you so it's a lot of it's a lot of netflix maybe some trading stuff but there's i'm not doing a lot to be fair nothing even good to watch on netflix so okay and five to ten yeah five to ten like p.m yes well i mean i go to bed around like 9 30 so more netflix i guess i i don't really have that's my i don't have a lot of things to do so you're right but then there's no reason to not just work i don't you might make friends at work as well because i'm assuming it sounds like you don't have a social circle oh no not yet at least okay and i would encourage that and also let's take some of the time because you're not going to work every day uh you know i want you to catch up on your bills but maybe we'll join some clubs as well like i want you to have a social circle it's important in life yeah you know find some hobbies but i feel like you're in a nerdy i'm into some nerd yeah you know yeah get find a nerdy club maybe maybe we'll we'll see but uh i don't it's it's just i don't i feel kind of bad going to a job especially if i like leave it within like three months anyways why would you do that because at the point i get to the day trading point where i don't need to work oh shut the fuck up you've been doing it for four years and you've only made a couple thousand dollars you think in a few months you're going to be making a full living off of that and oh i'm so sorry boss i'm making so much money i have to weave now i did what the are you talking about i do i do think that is exactly how it's going to go then you live in beyond delusion world what how do you think that's gonna work how do you think that's gonna work you plan to make a thousand dollars a month off your fifty thousand dollars how are you living on twelve thousand dollars a year essentially like the poverty line the idea is i would make more oh oh is that the idea okay well you told me a thousand dollars a month so well that's my current that's my current cap i mean i don't have i only have a fifty thousand dollar account and i can only safely trade a first of all that's insane i mean what what is that that's a 24 return on a yearly basis for for the which on your account balance 24 percent on yes oh on uh the 50 000 yes oh okay yeah which is an insane number and you're gonna make more than that well i you're not making any money to put into the account so how are you going to make more than that well i don't i don't have thousands honestly insane as it is yeah well i don't have to make money make like money to put into the account i can only take it out i can't put anything in but uh why are you even taking advantage of this there has to be strings there has to be something weird here i wish i knew more about this i there's a lot of what's it called uh top step i'm also doing another one on apex two huh two different i'm doing five currently so which accumulate to write about top step trader yeah so it's a pretty it's been a popular concept for a while but you sound like someone that just likes to take shortcuts right i have definitely tried my fair amount of shortcuts that is for sure i tried to gamble for a living once well you basically still are to be clear but that's insane but even worse what i was uh i was going online i was transferring crypto to a online gambling site and i thought you know if i could just turn this 50 into like a thousand two thousand then i could live off of it but that that kind of blew up in my face so and yeah one second i might bring in an outside source here might have a phone in uh so i don't know for i did some sports betting and it kind of just graduated i think i mean that's usually just like fun yeah well this was one of my i've kind of been on and off with trading and at this point i was on with trading and i was bored on the weekends and like after i was trading so i decided to sports bet because that's what everybody in my circle kind of said, you know, yeah.

21:33Shopping 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 it was a pretty bad circle i will admit this was luckily luckily i'm not with that circle anymore but uh that's pretty much what i did it got to the point where i didn't enjoy watching sports if i wasn't betting on it which is when i knew it was kind of needed to stop but by then i had already lost like three or four thousand dollars one goal become a top step funded trader okay multiple accounts earn and take payouts from up to five express funded accounts simple payout strategy just have five winning days of plus two hundred dollars to earn your payout so the money you win goes to them and then they give you a payout so they give payouts up to ten thousand dollars without a split but after that yeah but how much do you have to earn in order to get that payout uh it's the five winning days so after five five winning days make a dollar profit you can pull out half of the profit after five winning days so you only get half the profit they get 50 until you get to 30 winning days and then you can pull out up to the full amount how are they making money because uh well generally they make money off of people failing challenges because oh you get a funded trader certificate for your linkedin profile you're going to stand out among the rest yeah i don't think i've ever put something real and get a real job through like course careers and get like a accounting certification instead like an adult but okay i couldn't even tell you how much money i've spent on education or you know trading or other businesses not real probably yeah there's no degree attached to all the money figure swim i mean that's yeah that's what i started at but uh yeah i started options trading which is worse than what i'm doing now what are you doing now i'm doing oh i'm trading with a brokerage account that's better buying because they're they talk about futures so much on this page you're not trading the indices so like the dow yeah but the goal is to eventually make enough from that oh that and i'm assuming that will be in a couple months well actually i'm planning on it i'm not even assuming at this point it's basically guaranteed i have good news okay someone i used to work with who i also hired okay at a company where we actually sold products teaching how to trade okay i wouldn't you know i was just doing it because it was my job i would never recommend anyone to buy products like that not based on the company but just day trading in general he also worked there he was kind of higher up at that company yeah and i sent him that and he says oh i know all about top step i know all about top step so let's have him ask a couple questions okay all right robert you're being screen recorded so this guy is signed up for the top step program and uh from your point of view your fake name is ethan explain to robert what you think how you think this works so basically i passed my first challenge and then now i'm in the process of passing four more with top step and at my current trading half a percent i'm making about a thousand dollars a month minimum it's about a unit a week but i'm scaling that over the next few months without taking out any profits to the point where i will be making enough to sustain myself and grow the accounts at the same time.

25:39Gotcha. So you've already passed Top Step, step one then. Yeah, I've got the Express account. I don't have a live account because they don't release any information on how to get that. But I've got that and then I've got about three more on there. Okay, cool. Yeah, so that checks out. I mean, how Top Step works so they understand it. I don't know if I'm wrong, but basically you pay a fee of like$165 a month. So, Robert, how does this work? How are they making money? If this dude just loses the$50 ,000 for paying like$1 a month for it, what is happening? They say if you pay a certain amount of money a month, we'll give you a certain amount of cash in buying power, right?

26:28So you don't have the actual money. you can just buy a certain amount of in this case futures contracts based on that amount of money that you get um and so right you can't just lose that 50k in buying power or whatever it is top steps put put another companies like this put limits on it so for example if you lose two thousand dollars on the basic program they automatically stop you from trading right and if you don't have an actual funded account if I understand correctly you don't actually get real money so is this good for Ethan to do if he wants to make a living off of this you know for Ethan I would need to know more about what he's doing and how he's trading but so far it sounds like you're in that small percentage that he's actually able to make a profit how long has been making a profit with them uh currently it's only been about a month it's been one month i've been trading on the accounts for a few months though gotcha so you just got funded after a few months of paying yeah well i've been trading for on and off for about four years so far so um i traded demo trading before so with paper money fake money just to make sure i was profitable and once i had like the lot sizes down the risks the rewards everything thing all the data down then I was able to transition into the funded trading and I passed it in two weeks gotcha so you so out of those four years you've been profitable for for one month well I've been profitable I was profitable when I was options trading but uh generally speaking yeah it's been only about three or four months of profit in my whole career gotcha so well I mean so far like ethan ethan is doing well and you know enough that you know he might be encouraged to keep going but again three months is not enough time to tell whether or not you can sustain this for the course of the year right yeah because market conditions change as you know and oh yeah that's true except for these past couple days he's like only been a part of a bull market well yeah definitely lost one of those days but yeah okay all right thanks robert oh i was scared for a second what i thought you'd say something i don't know i didn't know who you were bringing on well it sounds like you know it's it's interesting yeah it's not something i would recommend like anybody too because it take take a lot of effort you might have something not saying that i mean again it's been only a couple months so true proven track record maybe not but maybe you have and this it's just the percentage of people who make it is so low that it's just yeah it's so hard it's so hard because it's if you were just in bonds let's just say just in like low risk bonds or treasuries or something and you just held down a job throughout your life that has a hundred percent chance practically of making it you but you have a five percent chance of making it in this so it's just like maybe you do well for a couple years and then you blow up multiple accounts and it's all you know gone you know it's like it's i don't know that kind of life scares me and it sounds like from your past that you've just done try to become rich quick type gambling for a living like that's not a thing what else have you done i've done anything else i've been in four mlms see that just see that that is what scares me it's your entire history so like i i don't know how this is going to be very different for you i know you're putting a little bit of discipline in it and you've gotten lucky so far in the easiest of market conditions well i wouldn't well the i don't know if luck has everything to do with it there may be a small percentage of luck that no well you're in you're not in a if you're buddy you in a sideways market i i i'd pay to watch that i would lose in a sideways market and buddy the market was sideways for like all of what 14 15 and 16 no no no sorry sorry uh 11 12 and 13 last week no 2011 12 13 oh it's like we're just like it was just like you know like i don't think i don't know what happens when it's three years of that how are you going to survive for three years well i mean right now you're just taking advantage of yeah let's go yeah well the trading i do doesn't necessarily ride a trend up um so a lot of it is done intraday so as long as there is not complete sideways which is like you know it's going up 30 it's going down 30 constantly then i can make money plus with your monthly payments of these accounts it almost sounds like maybe your roi isn't even positive overall and if it is it's micro well at the moment i've put a lot more money into it from challenges and that's how the companies make their money yeah i failed i was curious of this whole time i've probably i failed probably about seven eight thousand dollars worth of challenges and career and yeah i've spent probably triple quadruple that to get like a chat to do a challenge uh current with top step it's weird because a lot of the regulations have been changed um for day trading there's a couple platforms that were pretty popular but um they've stopped serving u.s traders um but other than that the futures market it's like wait what was the question again is the sapphire card the balance that we're seeing here or did you make progress from that that's the only thing i have not paid on so i don't know how how the even close you're gonna pay 726 dollars like i'll figure it out even the profits you make on this account you don't keep them you get 50 of them for a little bit and stuff and then you're paying money towards them it's like i don't understand how you are gonna make money and then make your payments yeah and i don't even get into debt in the first place probably because you've just refused to work your whole life because you're like a literal man baby that's a that's a really long story i started it was mlms that that was the start of my debt for mlms okay let me get through this credit card and then i'll let you okay i want to hear about them it's not it's not about okay what's the normal minimum monthly payment for this that you've missed uh 121 it's a closed account um thank thank i knew you did i like that one go to collection soon probably no chase doesn't send it to collections chase oh i have 247 dollars an interest this year so far surprised you're not getting obliterated with fees okay yeah i uh went through a debt repayment plan at some point like you pay like you go to a person and then or not a person but the company and then they reduce everything and that's they negotiate yeah yeah yeah i did that for three months how'd that go um well i stopped making money so i stopped paying them and you know everything just stopped making money because you're refusing to get a job how long is your how long you've been able to walk it's been it's been about a month and a half two months okay yeah you know right yeah because march 20 a month i'd give you a month and a half i think it's a bit too long you could have you could have gotten at least fast food job since then oh oh yeah oh yeah i've been applying i've had some interviews every three days I did have an interview last week, but I didn't go because I moved.

34:07So, and it was 35 minutes away. A KFC tale in the pursuit of flavor. The holidays were tricky for the Colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's$4.99 chicken pot pie. Warm, flaky, with savory sauce and vegetables. It's a tender chicken-filled excuse to get some time to yourself and step away from decking the halls. whatever that means the colonel lived so we could chicken kfc's chicken pot pie the best 4.99 you'll spend this season prices and participation may vary well supplies last taxes tips and fees extra so i tried to reschedule you're not willing to do anything in life you're such a child there's it you're such a child it may seem like that yes how would it seem in any other way i would other than the receding hairline what what what other indication i'm not homeless so it could be worse because your aunt yeah that was that was a arrangement though so i guess if it wasn't for depending on other people and milking them you know the teat of your aunt well you would be homeless i like to i like to think i can handle all my own bills how you're not paying your bills you just said yeah you weren't paying your consolidation there's you're not a credit card person i wouldn't even well i i love the fizz card for all those people and most guests i wouldn't trust you to do it i wouldn't trust you to do the fizz yeah i do have a fizz card how does that how do you do there's a balance on it so i yeah i i pay it off every month though you have to yeah you're right so i don't have a choice exactly but uh i was gonna say something else but i can't remember what it was that's why it works for most people but you yeah i i kind of just i i just look at the things what no no i want no i want you to explain how in the possible you think you would like to think that you could make it on your own in what way in what way would you possibly be able to make it on your own man child it's put in a uh fight or flight kind of buddy you're in fight or flight you're not paying your damn bills yeah but i haven't it's not it's not that bad is it i mean it could be worse is what i mean to say

36:27i don't even want to respond to that i mean you know that's dumb how many times have you seen have you seen the show you've seen the show yeah i have you have you heard me respond to that before i don't remember how you respond to that but i know you don't like it so why'd you say it because i live by that so i say that daily like i literally say that daily actual philosophy in your life that is an actual philosophy yes so okay because i inject one needle of heroin a day instead of three it's okay because it's worse out there for other people that is pretty bad i shouldn't laugh at that uh but yeah it that's another thing because there are people getting bombed somewhere that means you acting like a child is okay i heard you guys wanted to get dirty again dirty money is back and this time you're gonna be a lady in the streets and a freak in the sheets and you know who you usually meet in those sheets i'm personally into bbws budgeting bonds, wealth.

37:34And this sexy merch is only available through the end of this month and then it's going away. So to give you a little extra sweet treat, we're bringing back the classic dirty money as well. BDSM, sluts for index funds, finance daddy. If this isn't for you, you can eat my assets because I am myself an assets man. Go to calebhammer.com slash dirty to check it out before these designs go away at the end of this month. And as an extra special sweet treat, every order over$100 gets your favorite asset signed and framed. The hammer dump truck. It's because people in the United Kingdom have half the median income as the people in the United States have.

38:18It's okay that you live at and below the poverty line by choice and milk off your aunt. Because it could be worse, it's okay. yeah again when i talk about acting like a child that is the mindset of a child that doesn't make sense that doesn't make sense it's the way i think i don't how do i how do i change that well accepting the reality of your situation if you you're right that's how you think but oftentimes if we think something if we have a worldview if that worldview is challenged yeah and the challenge makes sense which i don't know how you could refute that feel free to try i don't encourage it but that's when you adapt and change if you're just a immovable brick in life then you're not going to make it anywhere you're not going to make it anywhere we should all be willing to change everything well i just kind of figure one day i'll be where i want to be and then how does that work because that's not handle everything else that's not how goals work that's not how goals work that's not how goals work yeah by the way that's not how it's worked it's worked so far no it hasn't you're not paying bills you're living with your aunt what the f*** we talking about yeah i i do admit i i need to move out of my aunt's house yeah but how would you be able to afford that well i mean i figured something out i mean oh my this is this is like actually insane that's the way i think if i look at something made it this far that's a that's a very good question i'll tell you how by milking off of other people that's it's there has been some input from others but it's always your entire living situation right now well i don't i don't know about a tire like maybe part of it the fuck you are about you live with your aunt well yeah because it's a new state i don't know if i like it yet like what if i want to move to a different state i don't i haven't gotten a feel for texas what are you even trying to do why are you in texas uh because it's not nebraska well that's fair but so well there was a lot of responsibilities i had in nebraska that were not mine and we know that you can't deal with at least a single responsibility in your life and i especially can't deal with them when i'm dealing with everybody else's responsibilities as well so i'm sure it's a big load of bullshit on everything you've said this entire conversation i mean because you've lost all reliability as a trustworthy person you can believe what you want to believe i mean it's impossible not to believe that after this entire conversation we're 40 minutes into the you around yeah and being a child yeah come on in life not in this interview but i mean you're actually i mean you're giving me what you think but you are a literal baby you know you were like just born i know i'm so insulting you i and like but i don't give a like i mean it's i'm kind of disgusted by your existence like i i'm a joke and that's kind of why i'm here i want i want a plan to follow because whatever i make i whenever i make a plan i don't follow through i so why would it be different if i made you a plan because i've seen you make plans for other people i've seen other people successfully execute those plans but those other people weren't beyond delusional yeah i can't i can't argue with you on that one you're there's i'm buddy you're literally the one percent but it's because you're telling me listen if you didn't tell me i think it's just gonna work out i will just end up in that plan i'll just figure it out if i'm moving around you didn't tell me all these absolute insane things that are not based in reality i'd be like yes let's get a plan this dude is in the real world and can figure it out you're not in the world where plans exist in your brain you haven't you haven't been forced to grow up yet you haven't been forced to because you're just able to rely on other people and you're able to just go into debt and allow it to just flow away what what at this point would allow me to earn back your trust and how to like take care of all this because i i need to get this conversation and i'll tell you so i just yeah i need to get this behind me i how'd you deposit uh well what's this coinbase thing 4928 that's the nft i had to withdraw through cornbase there we go okay so that was basically your income yep okay so i i listen if you did again i know i'm i i shouldn't be insulting you as much as i have um not you know a couple a couple jabs here and there we do that but it's just like i don't know a lot of people make dumb choices yeah and they make dumb excuses and that happens because people are defensive when they get on camera just but your worldview is so detached from the world and that that is what that is what scares me if you if you want to blame anything for my worldview you can blame the mlms okay so what are the mlms that you got involved i was in amway right when i graduated high school for two years i was in amway and that's where most of my viewpoints come from and i've met a lot of cool people through that but i lost a lot of i lost a lot of money then how is your worldview based on something that completely you it's just it's association you know you get around people that think a certain way and now you think how did it turn out i mean i don't like jobs that's probably the only thing that i got from that really yeah that's what you got from that that that maybe because apparently that there are better things than joe you're just you're just lazy you want rich quick you want rich quick that's all you want i feel like if i wanted rich quick i wouldn't have spent four years doing something on and off i mean i'm not gonna say it's like four years every day but every few months all the things that you're participating in are in those avenues of quicker well you know what people do when actual successful wealthy people yes some start businesses they do well some will one percent will you know make money in that day trading some will of like a very small percentage in gambling will all of a sudden make enough to live off of what the vast majority of us do they open a brokerage Like I opened Moo Moo for my brokerage.

44:23I invest in like the S &P 500, overall US market fund, overall United States stock market. And then by the time I am like mid 60s, I retire. A, you know, successful, wealthy individual. Yeah. That is what the average person does. You are just average wealthy person. I don't like. You are just trying to get there today. But instead, you're ending up negative. To be fair, I've never considered myself average. Does that help? um sure i mean yeah you're just continuing to explain your insane world most most of the things you see in front of you are from two years ago that doesn't make it any better you don't seem like a real person you really don't like you're like a make-believe character this whole the whole death situation you came out of an egg i mean i i can't i can't say whether that's true or not to be fair but uh no this is this is like two years of my life what was after amway what was after what was the next one um amway and then i took like i swore off mlms after amway and then i got into another one like a year later because somebody convinced me but um the other ones one was like world ventures it was a uh travel mlm and then there was also like the i am mastery which was a trading at mlm but they don't do any stocks and stuff they're mostly i will get the spray bottle i'm sorry it's a i bounce my leg and i tap things i can i have it please i don't trust his fingers yeah but uh no that's and then i also joined one for um the wfg is what was what was called world financial group because i thought at some point i wanted to be a financial advisor and i did take steps to do that and it didn't happen so now that was a funny joke it was a real ambition for about two months you know you'd have to go to school to become a licensed financial you need a bachelor you just need certifications that's what everybody else you need a bachelor degree in order to get like a cfa though cf oh not not like a cfa i'd get like uh the the series licenses i just and then they would sponsor me for the seven okay i wouldn't get a cfa but i guess it depends on this was the one but in terms of like selling different packages yeah well that i'm interested in that stuff i just have never had the capital or the you know you've never had the commitment in anything in life yeah yeah yeah other than trading trading is the only thing i've ever long term done i'll tell you what you committed to i know i know in your recent past you committed to spending six thousand dollars in tipping streamers yeah that was that was loneliness was what that was but you're still lonely well i'm not lonely anymore well you live with your hands well i'm oh i wish i was lonely dude but i wish i was living on my own to be fair but uh no i would love you to i would i want you to find a social group a good social group because again the people you surround yourself in your mlms you're right a lot of them impacted your worldview however you know what the rest of us typically do i've made mistakes i've been dumb i have a dumb past and obviously we all continue to make mistakes and mistakes will be made but what i do for the mistakes is i do them then i'm like oopsie whoopsie that was a mistake we don't do that again you're like oh that was a mistake let's do that mistake one more time oh let's do it again let's do it again that was really fun i feel like there's a little the fifth time because now you're in your fifth mistake i feel like there's a lesson to be learned in every mistake though yeah and you haven't learned any of them it seems what if a different lesson in every mistake i think your lessons again are in that like fake world though because you're not in the real world without the rest of us well so it this conversation honestly i'll be honest i'm gonna be honest to the audience as well this is a hopeless conversation yeah what this is a hopeless conversation that being said there is a dumb 17 18 19 year old out there that's like i want to be a professional day trader watch this episode and i'm gonna to continue because this don't you're about to learn so but no this was two years of my life um racking all of this up and i've just been kicking the can down the roads ever since so i'm trying to unfortunately this is turning into an example episode and not being able to help you episode i apologize for that but i don't think your worldview is so it needs to be what you're in like the mirror dimension or something you know dr strange needs to pull you the back in What if I told you I'm going to get a job by the end of the next week?

48:59Oh, that would be great. How? Well, I have three interviews. Okay. Well, how are your interview skills? Because that's important. I've done a lot of interviews, so I hope they're good. But I've never really... Yeah. And how many of those interviews have worked? A lot of them, actually. Okay. So you get lots of job offers? I do. I just deny a lot of them. That's a start. That's a start. I was going to say you're not going to quit in three months like you said you will. the well if i'm in the right place i may but i i will commit to six months at the minimum at a job and if trading is not doing well by then i will continue oh i'm excited for this six month call okay okay it's i i have already if you had talked to me six months ago i wouldn't have never considered you could have said job and i would have said yeah no oh so you graduated from the age of five to seven i i think at least i'm sorry guys i'm being mean i know i'm being mean i'm being mean but i don't even this this worldview legitimately is i nothing gets under i'm talking candidly to you right now nothing gets under my skin more than this worldview it's like insane like actually like you could be a racist and i'd put you on the same level or something i mean your responses are exactly what i've been dealing with for the last like five years so i'm used to at this point um but i am willing to change bottle he's tapping i'm so i'm trying bad it's i can't fidgeting is has been in my blood i'm gonna put them in my lap and not move them all right where was i did you catch up on this payment for the climb launch yes okay so the normal payment's 135 yeah and it's like uh it's 135 he was behind you were behind but it's 135 for six months and it's 230 um continuing wait when does it kick into uh six months uh last month was month one so six months would be what december january okay i that was that was a mistake that student loan this is a student loan yeah oh man okay what's the balance 10 395 me f 16 interest that's ridiculous and then of course you had a late fee well you went to school no that's that's for uh that's for a coding boot camp oh coding boot camps are great oh okay i thought i thought you were gonna uh well why would i be against that oh i didn't i didn't know i mean a lot of people no i mean it's only a month in i mean you're doing it right now i know how to do html but that's the extent of my so you want to work in coding all of a sudden i did but i really kind of a month ago i just want to create things that's pretty much my only goal there is that what you want to create because i like to create things too there are things i wouldn't want to create i wouldn't want to create a tower of human i'm confused now well is this what you want to create i i do want to do that i was generally interested in it i am interested in it let me change my words but i haven't done it as much the last week or so oh i mean you are not a commitment person you can't commit to anything past a couple days it was i was doing the netflix i was doing it for like a few weeks oh what a big boy you know things happen and i just it's i miss a day and then i miss another day on netflix yeah what happened you do nothing all day i get really distracted like you just i feel like i keep making fun of you but you just keep saying insane dude like what the you signed up for a boot camp borrowed 10 500 bucks at 16 interest rate with minimum monthly payments you cannot pay because you don't pay you already almost missed one but you find an extra nft and you signed up for coding because you like to build things and you're somewhat interested in it and but you participated in it for a couple weeks and we're already off for a week because something happened but nothing happens in your life so what happened that's i don't know what to do here other Just take a fucking...

53:03To be fair, though, a hurricane happened last week. Was it that? I didn't have power for it. Yes, it was that. Okay, that's an actual valid thing. It's the first valid thing you've said this entire 50 minutes. Yeah, that alone. I moved into a place on Friday two weeks ago for an extra$200 a month so I could have my own space. And then the hurricane hit, and then I had to move out. and that's where the extra thousand is coming from from refunds because i'm returning the bed and all the furniture what about the landlord and the contract you signed oh it was only a 15 day notice and the landlord's cool i know him oh my god so you can't okay you're fired yeah it's it's a mess how do i understand how do i actually help you because i know i just need a plan no i but but but your plan would rely on the real world i'm i'm asking myself right now what can i actually do to help you because i do want you to walk away with something positive i really do and i know i'm just an absolute right now but i really do want you to walk away with something positive but if i don't know man if we can at least take like if i get it one of these jobs if we can like go over a budget for this stuff including the extra thousand from trading but a budget so like a budget i will create a budget for you i'll help you with that then i will follow it to the job but no no well that's the thing you've done you've done things now i want you i want you i just like the coding thing and this one's obviously much shorter much shorter but there are quizzes and stuff go through our budgeting program okay i would do our investing one because you'll learn how dumb the you're doing is as well you guys can do it at a bundled price by the way and get a free hundred dollars in coupons uh towards it so but either way i want you to go through those programs because it'll help you at least stick to the budget and make and manage yours but yes i will make one for you it's going to be a loose budget though uh in terms of this high level but again you've made stuff and you haven't stuck to it so i don't know what's different about mine well i i'm more i i was going to say more dedicated but that's not actually an answer um what's the words i my mindset has shifted in the last few weeks and i just i feel like i need to get this out of the way and i need to start making some progress or else like everything i'm gonna have to move back to nebraska which is the absolute last thing i want to do corn yeah yeah corn and responsibilities and i don't i don't like either of those as we've established definitely the second one yeah so um but it's just mentally i am much better up here and I need to stay up here.

55:43So I'm down. Down. Yeah, I still haven't corrected that. But I believe this is the turning point. I hope so, man. I literally hope so for your sake in your life. Do I have hope in it? I'll be honest, no. But I hope so. I hope so because you are a human being and I want you to have a great life just like any other human being. And I think you can turn it around not based on the worldview. you have but i want you to turn around and i do hope you do i really do hope you do right now if you guys use my muumuu link in the description below you can literally get eight percent on your money that's sitting in there for three months it's absolutely incredible plus you'll get 15 free stocks just for signing up with my link this is literally free money so make sure you're taking advantage of it now there is no reason not to sign up now link in the description below i feel like the difference between this time you giving me a budget versus me creating my own i'm only competing with myself when i'm making my own budget but this is this is going to be on the internet i can't go back on my word now so it's kind of a way to force me into a checkmate of sorts and you're going to come on for a follow-up and i will take the taser from the back and just yeah if you don't do it tasers are not pleasant you've been through that i've been tased before why i just it was a party and things got hairy so i i don't like to talk about it it was it was pretty rough all right just go to the bathroom before you get tased nothing

57:24can we talk about that in the post show or do you not just not sure sure all right we'll talk about that in the post show something tells me he's off but um okay that would be bad liberty first this is the only i think credit card apart from the fizz and sapphire well that's close oh i'm saying active yeah active why didn't you send me a statement for fizz uh i think i i sent it originally in the documents before but i might have forgot the second one i can bring it up yes okay okay now liberty first you can get ready okay liberty first we have a balance of a thousand thousand dollars right yep that should be it write the balances for these last ones it's at a stupid i don't know if the interest rate is listed on there it might be but you know i know yeah i know the interest rates of all my debts what's the interest rate 12.9 i'm glad you're knowledgeable about it and you don't do anything about it 12.9 okay yeah yeah okie dokie and you have a 38 that's not the normal monthly payment because that's what's stacking up after your 30 but you caught up right what is the normal payment the normal payment is 30 bucks 30 yeah okay it was 38 here it's like because of your late charge it's give or take like a dollar sometimes but yeah it's just it's really low interest that's the only reason i still have it is because advanced credit card light fee late fee okay great wonderful oh the interest rates at 10 yeah i have i have dave uh hooked up to that no you don't i think there's like 40 micro payday loan sometimes sometimes oh just get a job when it's really desperate like the solution is literally just work for a single second of your life what a no i'm trying to move past all that okay members own credit union so we have a loan here personal uh so that was a credit card that was transferred to a personal great and that works well it was a um so the bank actually recommended it oh of course they did um but they did well it was a it was a five thousand dollar credit card and a personal loan that i had combined dad i'm talking with my hands i'm sorry but yeah that's what that is they uh only send statements all in one so they're all in there okay so five thousand five hundred three dollars and eighty seven cents on that one what's the minimum for that uh for the five uh is that the personal loan or is that the car yes the personal is 179 a month i don't know how there's this buddy your your minimums of fame so much in your income zero this is ridiculous what's your car what's your car uh it's a hyundai elantra year 2017 how's she doing uh it's pretty good i mean i can get at least 150 out of them so and what's the miles currently 93 okay i just uh did a tune-up so interest rate uh 5.9 it's not horrendous uh 7 975 087 cents what's the minimum monthly uh minimum monthly 332 okay you owe basically 8 000 on it what do you think it's worth in its current condition it's probably like 5 9 or 5 8 close like 5 6 so i think i looked at it like two a month ago so i was considering selling it but i realized that was a bad move maybe yeah i don't think i would sell it at that rate you know you just have to make money and pay for it yeah okay then a thousand bucks in the actual credit union itself is it is there a thousand bucks in there was at least at the time this day oh yeah they it transfers into my like my savings it transfers into my savings i'll get you wet buddy and then it auto transfers to the loans so that's how the process works there liberty first uh that's probably checking but i see a mastercard that's the thousand did we go over that yeah that was the first one no we did yep okay yeah that's the only the only reason i have that account i was getting paid through that um from the state of nebraska up until uh february so okay let's look at the chicken account and i don't they don't make it very easy those are netflix top step trader 149 yeah because these payments so you're not even you know you put more money into it than you've made of course so this is going to be great it's an investment for your future i'm sorry that was that was headline i i i look at it i look at it as an investment but i know you don't see it that way apple bill going inside getting some bs imperial nutrition yeah it's like uh protein shakes you working out yeah i mean i'm trying to i like give us those gains oh it's it's pretty rough it's not there it's a lot of swimming oh man a little sneak peek in that armpit here no yeah mcdonald's coinbase coinbase in 31 bucks oh dave we're daving and there's raising canes okay i might as well work at raising canes mcdonald's refund mcdonald's refund or it was an advanced mcdonald's i don't know oh oh and then 270 in this checking account in your chase oh here's where you spend money isn't it oh yeah this is my main this is my main checking as of like two months ago so we got a little bit of money from our nft so let's go to texas roadhouse get those rolls down our throat chipotle go inside getting to bs mcdonald's texas roadhouse chipotle top step trader because we're not making a profit on their dairy queen going inside getting some bs playstation network 43 what did you get reoccurring see see i forgot that was happening that's a three month subscription for plus or something i haven't touched my ps5 in like a month i'm trying to sell it cancel it sell it zellin out eight hundred dollars yeah that was rent for the for the new place that was rent i'm getting half of that back i can't believe you even considered that because you can't even pay your bills buddy you're so far behind on your payments you're just putting wants wants wants i want to live on my own want want want i want all this and went went went i I want to firm 653.

1:03:57Yeah, that was the bad. That's going to be a refund. What's Zen business? That's my LLC. You just formed it? Yeah, just like last week. There's nothing in it. LLC for trading? Yeah, to avoid the taxes. What taxes? Not the income taxes, but all the federal and stuff. Not avoid the taxes, but to separate my personal and my business account. does that make sense i don't know if that makes sense yeah it's an llc it's a limited well yeah i don't know anything about llc so i'm not even gonna try to explain what an llc is i just know it helps to separate the things i'm getting from the business yes it's good to separate uh this is 1099 or not 1099 but something else for investments it's good to separate different bills and accounting i want to check up on something extra because uh before i throw something out i know 99 confident on but i want to you're making me question it i know trading's a weird area um i know that it's not considered like earned income because i'm not providing a service for anybody but myself now i know you get capital gains but you get short-term capital yeah which is what i'm yeah but if i trade under an llc it helps it in some way i don't know exactly the explain ins and outs i think there's extra tax for trading your own money right it's somebody else's money i'm trading it's 50 000 well yes but that has nothing to do with your llc no just the money i'm yeah you're right you're right right because i mean you're only getting paid on what you're able to actually get out of there yeah because it's a weird little thing with this company yeah so i only get taxed on what i pull out so i kind of just opened it so i could like split the taxes and everything off so i could be responsible with the irs from now on forward well you're trying to get like write-offs and tax breaks on certain things but i don't have a lot of write-offs i could get exactly but uh maybe a laptop lscs more used just as a pass-through and i just want to plus future wise if i ever want to yeah no buddy what you're saying is is completely wrong this isn't saving you anything now what you're working on yeah this is gonna get short-term capital gains tax but what you're working on with the trading the other people's money i don't know 100 with that so that's what i wanted to confirm no the llc does not help in any way with the short-term capital gains tax no it's a pass-through buddy yeah what you're talking about i don't know either i'm not i'm not a tax professional Why'd you do it?

1:06:39Because I wanted to separate it. You told me it's going to save you on money. Because I wanted to separate it. Yes, that makes sense. And if I ever want. We were talking about taxes, though. Yeah. Well, and this is way down the line. Apple bill, Apple bill, Apple bill, Apple bill. I don't trust your way down the line. Because you don't know what's happening in two seconds from now. We can talk about it later. Doubt it. Coinbase,$30 is out. Top Step Trader,$149. Top Step Trader,$149. There's four of those. $149. Top Step Trader,$149. You're not even close to making. oh more zen business uh more of that protein stuff and marble slab creamery hmm wonderful we make no money let's spend it i'm going to a restaurant i think there's ripotle sonic drive-in kolaches going inside getting some bs or groceries a little hard to tell with that one and his hamburgers texas texas roadhouse kolaches again going out to eat every second of our life even though we literally make zero dollars To be fair, a lot of the later statement is because I had no power or no way to store food at a house because there was roaches.

1:07:42So I was going out to eat because I didn't have any food. You couldn't just go with your aunt though? No, because it was 40 minutes away from my place. After about a week of no power, I moved back to my aunt. And after realizing there's roaches. So that's why I returned everything because I know roaches love mattresses. and i'm not about to have a mattress spend 1200 on it and i can be okay with some of it i feel like you could have made a little more sacrifice driving to your aunts 40 minutes um shipley salt green salt grass and potential bs yeah i've i've got a real issue with going and sitting down by myself at restaurants that's the thing you do yeah like constant like more than i probably should have and it cost me significantly more because it's like i get my alone time i don't have to deal with anybody else you always have your alone time no because i live in with my aunt you don't have your own room my sister no i'm sleeping in my nephew's room oh i didn't know that okay yeah i would want to get my alone time too i'd go to a park or something i don't even know where those are here i haven't i haven't a really awesome new invention called google maps exist no but like some parks are like weird they're like really small parks that aren't really parks just so they can say they can have a better park dude what the fuck are you talking about that's such an invalid excuse such a stupid pointless excuse yeah obviously again i don't think that making the budget at this point helps i'll make you a budget offline once you get a job and you know what your income is gonna be but land the job first okay i can guarantee i'll have a job by the end of the week all right your video won't be up by then so noah make a reminder to confirm it'll be in the pinned comment we'll confirm it in the pinned comment below okay gives me something to work towards i said a reminder to follow up a week from now week from today because he said within a week yeah uh hopefully by wednesday i said hopefully by wednesday okay six days

1:09:50okay so yeah you spent five thousand dollars you made no money so again this is it's a joke you are your worldview is of a child to be honest um i don't have much hope i'm just being candid here people are gonna think it's rude it probably does come across like that but i'm also i'm just i want to be candid i want to be real i don't want to baby you because i think you have you've had enough of that yeah um yeah i'd get the job i can help you budget and then we'll start figuring out how to get like a one month emergency fund paying off your debt but as of now your worldview is what's holding you back it's destructive you have you refuse to have any responsibilities you just put in your wants over your life and you're trying to get rich quick soon uh rich quick as quick as you can instead of actually putting in the working effort i hope we can help you from i hope this was a wake-up call because i think that's the only thing that i can help you with today i'll do the budget for you but more than anything i also this was more of an example episode i'm real i started realizing halfway through and though i want you to walk with something positive i hope it has helped thousands of people out there that are like i'm gonna be a but that's in the best way though yeah i did i did feel slightly targeted when i got off the call uh and i saw the day trader like email from you guys the day after i was like that's dang because i told i said i was a day trader on the phone and it's like yeah it's coincidence probably but it's pretty funny hammer financial score uh grow the up make sure to stick around for the post show we're going to talk about his pants i think that's my best guess um and then we'll dive into some of the extra drama that we uh you know didn't uncover because i don't know everything but my producers do and they'll bring in some extra drama and you can join the post show in the description below and you also see links to the resources that i use or would use in specific situations including the best budgeting and investing course which are bundled at a lower price and also giving you a hundred dollars in cash rewards towards your investment accounts thanks to moomoo today on the financial audit post show i was mean i don't mean this in a rude way but isn't that kind of the premise of the Like aren't you usually kind of mean?

1:12:02That's the value. I'm just myself. I call out things and the calling out things can be aggressive. And I also like to make quips and stuff like that. But I feel like that was meaner than normal. But you get one big revenge spray right into my face. All right. Right here. Just do it. I can't. Wow. Thanks. Oh, that actually felt nice. To watch the Financial Audit post show, click the join button below.