Disgusting Human Uses Parents For ℙ𝕠𝕣𝕟

0:28Get your mother-loving ears on name is hunter i'm 28 years old and i'm from burleson texas thanks for coming down and this is financial audit spinny little intro yep that's exciting so thanks for coming down what do you do for a living there uh i am an agm for a barbecue restaurant ag oh gm ag ag yeah okay just got promotion very good oh congratulations what were you doing before that uh just regular manager been with the barbecue company for like three three years now barbecue company so what what is it what is a barbecue company is it like a barbecue restaurant yep uh so i just started franchising uh in the dfw area sure cool what are we making uh right now i'm making 48k salary okay bonuses uh yes there is bonuses but they're like store performances so if a store does better than that store gets it but the gm is the only one that gets that bonus but you're a gm yeah but i won't get it that doesn't make sense you just said a gm gets it yeah the g the position gm gets it but as a gm oh okay see that's okay a gm is the position yes it sounded like you're saying i am AGM no no no assistant general manager why did you I don't know I should have said that that's not how humans talk well congratulations on your promotion that's really cool 48 ,000 hours a year how do we feel living off of that I feel I feel pretty good it's more money now so what were you making at the time frame it's 45 45 but there's a good chance that I will also three to four months now be making 55 depending on my store's uh sales how is that determined how's it determined if you get the increase or not just by the like sales um yeah but how is it determined what's the number uh the number like we go by monthly and depending on how each store does that's going to determine because we just got back down does your salary go back down uh my salary won't go down uh it will stay at the same but so it goes up if it goes up but it doesn't go down if the store goes down correct yeah because of the money that's being put in it's also with some new owners that's kind of like making things a little tricky as well it's pretty so i know you're quite proud from the conversations we've had just onboarding you and everything into this this uh position which you know i'm happy you got a promotion as well um but i just also want to make you aware just in terms of assistant general manager positions than the terms of the types of ones that you've been promoted to the median is ranging from 60 to 63 000 hours a year where you're getting a possible raise to 53 000 hours a year which on that high end of median is still 10 000 less than average and you're not in a you said the restaurants in the dfw area it's a brand new loan it's outside the first one outside of dfw okay well even still if it's just outside of dfw that's a pretty low undercut from the median in a major metro area type of place what do you think what are we thinking yeah bureau of labor statistics by the way yeah uh i am going to try to like my main goal right now is just try to figure out as many projects that we can get traffic in and just sales bumps so that way not only helps my employees but it helps myself too uh because i mean otherwise it's just kind of like yeah but you're only getting a raise to 53 000 i mean you're 48 when the median 60 yep and 63 and that depends on um if you know certain situations happen then i can apply to a gm position in high uh for if there's an opening if there's an opening But again, you're being paid under this position on the national.

4:35So what's to say you won't be paid under the national GM average? Yeah, that's the current. They're not knocking you for the job. But I mean, this is capitalism. We're here. There's an ongoing competition in figuring out what works in the marketplace. They're paying that position because you're accepting being paid that position. You took the job. If they couldn't fill the job, they would have raised the prices. and you would have found a job that was adequate to you know the money for the position yep but you just accepted this job well under the median yeah i i push for it and they're like well we can't give you this now but so you wanted the position more than anything yeah rather than the income why um just been committed to this company and been wanting to like push myself like they're committed to you it's the it's new ownership sure that's fantastic um they're a little bit more stingy than the old and that's who you want to tie yourself to is stingy not really no okay so what's the play then uh potentially getting another gig uh but separate or moving um lateral i would like to go lateral um but as of right now um this is why i have that's consistent income um i'm also like potentially like looking into something else like job wise like a second gig potentially um but yeah i don't know it's kind of a sticky situation for me it's just a uh i don't know it's sticky to get out of because it's consistent right now now in general let's go into your situation let's figure out where we are we got your income we got your work situation you just borrowed seven thousand dollars from your parents yeah for what purposes uh at 28 yep give me out of debt uh or at least help me like less than the debt okay pay off which is interesting i mean it's because it's a consolidation i guess so we have a stack of debt here what debts from here did you pay off from that seven thousand dollars nothing so you still have the seven thousand dollars no ready to i paid it what are you talking about yeah uh i paid to certain credit cards and uh so what i separated seven thousand dollars in two different credit cards and explain i'm okay and you like instead of taking care of any balance you yeah little towards yeah a little towards all uh versus like one card um i did that and then i was like okay now i have less of this i'm gonna pay this off and but you said you've paid none off right because i basically reoccurred all the debt back you put it back up when did you borrow the 7 000 from your parents uh so it's like maybe in december sometime around that january so you still owe it to them yeah i still owe it to them on top of what i have now jet number one parents before we continue with the video i want to take a moment to remind you that investing is something that is absolutely necessary in order to secure your financial future, which is why it's so important to start investing early so that you can grow with your portfolio.

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10:43Wait, what was that sentence? Okay. Yeah. My strategy was to spread out the loan that they gave me. And where'd you learn that from? Because I don't think anyone would have ever suggested that. Myself, which was... Oh, you learned it from yourself. I learned it from myself. obviously a uh well-versed tutor in personal finances yeah uh yeah because i thought because i was going off the base of my credit score and i thought me spreading it out would make it better and it did for the time being and i put some money towards my highest like interest card but you built it back up again and i built it back up again what you built it back up again with like so some of it uh one purchase was for car maintenance um i was going through some car issues that needed to be fixed and it was going to be like$3 ,500 overall what was it uh so it was with my um i had to get my car towed because it died the battery died and then um i had to get some time.

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12:37And then I had to get my door Like handles fixed too so they had to Why the f*** do you need your door handles fixed? I accidentally ripped Like one off like carrying groceries and stuff like that So they had to like Take part and like get inside the whole entire thing um how's your relationship with your parents by the way i mean you borrowed seven thousand dollars um my relationship with my parents is good it was definitely an interesting upbringing that i had um okay so i'll kind of give you like what i grew up with whenever i grew up with my two parents and i had two older sisters and then i had a younger brother but the younger brother didn't live with me he lived with my second oldest sister um and my parents are older and but then at 10 years old my parents sat me down and they're like hey we need to tell you something um we're actually not your parents we're your grandparents oh whoa and your oldest sister is your aunt your second oldest sister is your biological mom and then wait how old is your biological mom she's 50 now oh okay and then your brother is your half brother you share the same mom but different dads and so um and like kind of growing up too i had a good relationship with like my dad my grandpa um me and my mom would like butt heads a lot my grandma okay um because they adopted me when i was like 13 too um how old are they uh dad's 80 like 81 now and then my mom is like 75 76 okay and so um just biological mom was going through like i mean she's going to rehab by like 18 all that stuff and um yeah okay and so uh childhood is really confusing um especially after that point but i mean i just went back to calling them by just by their name versus like big sis and all that stuff um and i was just like no point of like calling them grandma grandpa it's like y 'all y 'all raised me and stuff like that yeah yeah yeah for Um, but throughout the years, it's definitely been like back and forth and family, my family is very independent.

15:13It's always been us. And, um, so my parents have always been supportive of me. Um, and like, I don't know, just being able to go through certain life situations, they kind of like kept me sheltered a lot. and so a lot of it is me learning on my own but i definitely put like everything i've done like with my spending that's on me that's not on them they've been nothing but like supportive and loving towards me um that's why i was like that's where i just feel about it um yeah i mean it's difficult because i mean they're are they retired um so there used to be a company called montgomery ward sure so it's like montgomery war is the og before sears open up where like the sears catalog all that stuff um my dad was the ceo of that company wow and they bought a lot of stocks in it and it crashed okay so what's their situation now their situation now they're just settled in temple and are they retired um he's the reason i'm asking this is because you literally borrowed seven thousand dollars to make zero progress from them he's he's working as a substitute teacher because he just well it's he doesn't like staying at home okay like he It's not to make ends meet?

16:43No. So are they retired? Pretty much. Okay. Yeah. Do they have any expectations of when the$7 ,000 will be paid back? Because they talk to me and they're just like, when you pay your stuff, we know you have the intentions of paying it back. Do you? I do. Yes. Okay. Well, you have no action surrounding that. I know. At all. Anyway. That's where I'm being stupid. And I need a wake up call with that. So how much actually went towards the debt, which didn't make any progress anyway in the end? How much? Of the 7 ,000? Do you even know? So what that 7K was put towards. So it was like 2K towards one of my main credit cards that has the highest interest rate.

17:35And then it was like 3K, another two, another two. It was just spread out. But you said someone went to the car. yeah but you said that was like a 3500 yeah but i put that on one of my cards so it didn't even make it didn't even what would you give yourself zero to ten zero being the worst ten being the best of your finances what's your personal view of your own situation uh probably like a one okay well i'd probably bring that down to a negative one because you promised to bring us barbecue and You didn't even do that. Yeah.

18:13Seriously, where's the meats? I'm a meat man. Well, I thought about... I was going to come down on Wednesday or today, but I came in on Tuesday, so I didn't want to serve cold barbecue. We have a warming device. If you are in the area, I'll hook you up. That's not how this works. Okay. that's not how promising to bring someone meat works why don't you drive three hours instead okay please we have myth awaits in law barbecue i don't need to drive three hours for a franchise okay do you have a minimum monthly payment to your parents no okay so let's just uh pay us back when you can what what is their view on this again i know they don't know that you f***ed up but what is their view on this borrowing of money to you their thought was just why didn't you tell us sooner and we could have helped you when uh your debt wasn't so high and and this is this is this is the bankruptcy thing this is the debt consolidation thing and now it's the lending money from the parents to the son thing it didn't help you in any way whatsoever because you didn't change the behavior before you go through any consolidation or debt forgiveness or whatever if you don't change the behavior that got you there in the first place you just end up right back where you are and that's where you ended up to man okay let's go on your first step call your your first like debt that isn't from the parents yeah jc penny yeah going to jc penny getting loans for shirts and yeah buying a bunch of clothes and uh gained weight so had the i mean not feel it but had to get some bigger clothes nah embrace the tightness yeah that would be giving me a little bit more motivation you're over limit you're over a limit you're you became over limit on your weight so you became over limit on your card and i can make fat jokes i'm fat it's the rules it was a pretty okay joke no one left so i was a little disappointed um okay over limit them out 120 dollars oh first of all this is an incredible we we asked for pdf statements so we can like review things and this is like a it's a screenshot of you taking a picture inside of the notes app i cannot read this thing yeah uh i tried to i tried my best to get the pdf file but i signed up for like paper uh documents for the jc penny deal i don't know why but uh their card deal when i tried to download the pdf deal it was the only card that could not like download an actual pdf through the app and so that was my best way of showing it okay five thousand two hundred seventy dollars and twenty six cents which again is over the credit limit of five thousand dollars with the are you kidding me 185 minimum payment doesn't help when we're being underpaid like$15 ,000 or whatever.

21:18$10 ,000 I think. After your raise. Yeah. Purchases! If you're over the f***ing limit why do people do this? It grinds me more than like most anything when it comes to finances. You have$132 of interest accruing. That sucks but the balance is large so the math makes sense. But after we pay$200 let's go blow $358.87 what the f*** is the logic behind that I can see how you got back into debt immediately again uh you said it was$300 $358 altogether or like in one purchase deal or is it like separated well let me read through your micro text because you sent this in a ridiculous look at this thing guys how the f*** is it

22:17what whataburger oh yeah some restaurant barbecue another restaurant whataburger whataburger whataburger european wax what the are you doing uh buddy just watch the nair video on youtube i would have taken care of this it's for my eyebrows not the other place buddy what's wrong with your eyebrows first of all you're sweating like crazy between them right now yep and two and two like i don't know i buzz them do my eyebrows look bad no yeah we've been through this and so like just that's what i told the other person just why don't you just spend that once a 25 dollar and you could have like taken care of it on an endless weekly basis instead of going to a European wax center and spent$66.

23:11It's a wax pass deal. You have a wax pass. Not anymore. That's okay. Good. I canceled that because when I saw it was$66 a month, I was like. Yeah, that's stupid. Yeah. So. The lumbery. A lumber yard. It's a bar. Oh, great. Yeah. I'll spend another restaurant and Arizona bottoms, Arizona tops. Probably gang. Oh yeah. Gang jeans and shirts. Probably something like that from Chase Benny. Usually when people talk about tops and bottoms, it's not really about shirts. Okay. That's a ridiculous amount of spending and just absolutely crazy things on a card that is now above the credit limit. Does that make sense?

24:06No. If you need to be called out for being a dumb dummy dumb, CalebHamber.com slash apply. Feel free to join us here. What do you think so far of being called out on dum-dums? Yeah. I definitely, in the time frame I was like, i'm like yeah not so much and then i was like well i need to yeah i don't know you're obviously not a credit card person close the accounts open credit cards and don't ask me about the score just use your damn just use sign up for the fizz card where you can at least help someone like you okay let's see you're basically at the credit limit on the discover it how do people every time someone has to discover it it's always so with that discovered that was another thing in my i guess my own brain that i thought would be smart to get because whenever i did the whenever my parents gave me the seven thousands that spread out the deal um my capital one venture card i did a transfer deal or lessen the balance of that one and i can pay off that one so i'm not paying like 300 something on uh payments and but i just don't have debt yeah good the way you're trying to go about this is insane 166 166 dollar minimum payment the balance of 8 277 which is more than you barb and then to even pay off your debt it's a wild number you paid the minimum oh you i'm gonna $16.94 of interest okay then a thousand dollars a thousand forty six dollars of purchases what the f is that do you even give a shit about your what like what is that like what kind of decision making is that what kind of lack of maturity lack of adulthood is that we're basically the same age what kind of is that you've been in adulthood for a decade what kind of what is that that's insane so 700 of that is should be towards the last time i had to get uh car maintenance because my alter my the alternated belt failed i had to get okay so fine 200 250 dollars to spend going out to eat and going to bars.

26:42Even still,$250 going out to eat on a thing that you're only paying a minimum of two payment to and the interest is accruing. Does that make sense? What kind of decision making is that? Dumb. Okay. Yeah. Going to the bar, going to the bar, getting some Mickey D's after the bar, going into the gas station, getting some bullsh**, some barbecue, going into the gas station, getting some bullsh**, dominoes, bar, going into the gas station and getting some bullsh**. Why are you always getting some bullsh**? Um, What are you getting at the gas station? Gain some gas and then... No, going inside. I didn't call out the ones where you're filling up your tank.

27:19I'm calling out the ones where you went inside and got some bull... What'd you get? I would get like Zens. So I'm not like vaping and stuff like that. Okay. Well, honestly, there hasn't been any scientific census around what those things even negative or positive impacts. obviously nicotine's addictive addictive is hard because if you ever want to stop that's you know really difficult but they haven't you know uh unlike vapes you know it's not like going to the lungs or anything so it's like yeah you know whatever until something bad comes out it's like i guess yeah but even still it's expensive in your situation it's an expensive hobby hobby yeah and then i would just get like snacks and stuff like that but um there it is yeah oh my gosh keeps going okay on naviest rewards that's i've never heard of this in my life uh probably i think it's a gap card you are you kidding me why are you going first of all you wouldn't you didn't jc penny card you didn't even get jc penny you didn't get jc penny then he purchased 100 you keep purchasing cards again you basically at the credit limit again so this is three cards one over two at it then a debt to our parents just a reminder where we're at so far right here we're at two thousand two hundred fourteen dollars and nineteen cents for gap gap the 79 dollar minimum monthly purchase 78.99 $119 $119 of purchase is fantastic and it's just charged $57 great $200 $200 stores up with the balance only went down by$20 because you're being dumb with it oh good it's all something you purchased through Apple great and then you went to a restaurant called Bell Manor then you went again and you went to is this the name of the barbecue place you work at let's see yeah why don't you spend so much money there constantly you're the agm yeah just pull yourself a slice yeah that's what i sometimes do but i don't know i was just like no you spend so much money there they're supposed to give you money yeah i need to i don't know i like i like the vibe of it too because if you work there just what what i like the vibe of it so i spend money that you work there yeah but uh it's probably from that's when me going like drinking on my off day at at that place on your off day you go drinking at the place you work sometimes yeah buddy you gotta leave that place you gotta leave that place they're they're underpaying you you gotta leave that place at some point just leave it for a day for fake sometimes i do but yeah i don't know i can't i can't escape it how's your dating life uh i know that seems random but follow me my day in life uh pretty much non-existent okay well that sucks how's your friends friends are good okay go hang out with them stop going to the bar and then download some dating apps and instead of the other naughty app that exists in your statements download some dating apps and go get some and don't don't take them to the place you work yeah i mean i hang out with my i hang out with my friends a lot but i mean we do go out to bars often yeah there are a lot of bars in here um and yeah i do have i do have dating apps i just don't get out as much because work life is pretty insane going into debt for vibes the millennial young millennial old gen z way and then total wine and more because going to the bar wasn't enough we had to pick up 70 worth of glugs for back home yeah i thought that was a better way for a party cash advances you have a cash advance balance on here what the f*** do you do 436 dollars at 30 percent what the f*** do you do i had to send some money over um some money over to what like for a bill or like to pay someone for a bill.

31:44Pay who? What? It was for basically to pay off partial rent where I sent it to them and they sent it back to me. What the fuck are you talking about?

32:01Y 'all gotta use my favorite high yield savings account where you can get up to 4.6 % on your money plus FDIC insurance up to two million dollars you can also get up to three hundred dollars for signing up today it's the personal high yield savings account that i use for my money so don't let your money be losing money while it's just sitting there click in the link in the description below and get those bonuses okay i guess we'll move on and like yeah i don't know that was just another way of like it's like oh i don't have money in my debit card but let me send money through it did through like Vimmo and stuff like that.

32:36Okay, I know you're being underpaid, but you're not being paid like a wage in general. No. Like you're probably close to the median of your area. Maybe even close to the median household of your area. Maybe like 15 off. Not 100 % sure. Depends on the town. But you should never be almost a negative in your checking account in your position. Yeah. The last, I mean, honestly.

33:30or at microsoft.com slash m365 copilot. Whenever I had to do my car deal in late March, it's been basically negative every week or two weeks. Have you seen your spending? We've gone already through some of it on your credit cards. You're going to the bars every second of your life. You're going to your own restaurant where you're AGM. No, A-A-GM. Yeah. and spending all your money there you're negative by choice you're being stupid with your money i call it as i see it not here to be nice yeah i mean i'll give you a high five afterwards out of pleasantries but when we're talking about your money and sitting here like i mean come on this is dumb as this is dumb yep okay yeah i mean oh again we're basically at the The credit balance of this venture card,$8 ,775.39.

34:33And the credit limit is$9 ,000. So we're basically there. $207 of interest in a single month. Kill me now. Oh, good. Oh, good. Another$1 ,000 of purchases. What are you doing? What are you doing, man? You're bullying yourself into the... So why did you get into the Capital One to begin with? All this debt. So when I signed up for that card, it was for my best friend's bachelor party. We were going, basically went to Vegas, did ATV tour rides and Apples Valley, Utah. You took out the credit card for that. Yeah. But I got paid back. We all just split it up because I was getting the miles. How much was yours?

35:16Your portion? 400. Okay. So you opened a credit card and you put$400 on it immediately anyway. And then this is built up from there. Yeah. So everyone paid me back for it. and did they actually they did yeah but then it was just uh what really put me in the rut was just kind of just doing small minimum payments and then i moved out from my best friend's house because that's where when i moved up to dfw in 2020 i was living with him for a year and a half and he got married and i spent a lot of money moving out how much do you have in retirement zero that's insane you're destroying your life what chance of a future do you have financially going down this path none yeah i was gonna say you're gonna rely on social security which we're decades and decades away from being able to get that my friend and who knows what that program is gonna look like at that point it's only existed for like 100 years and it's like it's 80 years i think something like that and it's already like they always have to push back the ages and it can't be managed for so how are we gonna rely on that when it's 150 years old yeah i'm not 100 sure honestly yeah i also don't follow up with that much i probably should it's not about that it's as you're relying on something that have confidence in this you do instead of having to rely on something else but right now you've set yourself up for for complete failure.

36:42Yeah. I don't know. Yeah. I mean, I do know, but it's just really big impulsiveness and some coping stuff too. $297. $290. Kill me dollars.

37:06A naughty app. Prime video. roku more amazon prime cbs interactive roku roku again for what how much content do you consume how do you have this much time yeah let's literally like 50 there was like seven in a row of different streaming yeah it's either i go to work go to the bar or i'm at home watching tv or movies and one other thing and yeah one other thing uh the lumber yard again sonic drive-in adult fun time is what we call it left rodeo harvard hall harvest hall it's a restaurant eagle point bar yeah that was i went on like a date oh well there you go that's not non-existent yeah i go out time time it's just like commitment stuff like that i'm not really like into it right now yeah well but you're committed to a place that pays you 10 000 on the median yeah uh okay yeah storage unit you're storing for 80 bucks a month um so i'm renting out a room right now um with the people i'm living with currently and i just had a bunch of like i had washer and dryer unit i had like desk all that stuff that wouldn't be able to fit into there so i got a storage unit uh to store all that stuff so i want to crowd their space okay more adult fun time a bar and grill all done spending more money at your own restaurant that's your aagm at 29.74 percent on there with 207 dollars of interest accruing almost a thousand bucks this year so far in interest accruing absolutely wild man absolutely wild listen you got excited about your raise and i'm excited about your raise as well of three thousand dollars a year but you're blowing like 1500 bucks a month so what's even the point like blowing on nonsense so what's a three thousand dollar a year ray is gonna do for you yeah that's what i'm saying too and that's what i'm trying to talk to like the my higher ups about i'm just like i should i definitely deserve more like than 48 and there's just like you might have to leverage your position man i'm definitely trying to well you need a competing offer to do so yeah it could also cause some bad will in that case i mean one of them do it closer close your ears ladies and gentlemen one of them do it i'm getting a better paint job somewhere else i'm like go get it you know you're not gonna hold that over me that's pretty much your mentality yeah which i kind of get i mean like i don't know i don't like being strong-armed i don't negotiate with terrorists for me so yeah comes i'm an american um but yeah i'm definitely trying to negotiate more uh because just the how long i've been there what i've been how long have you been there three years okay start off start off as a busser oh you're moving your way up that's really cool that's really cool doesn't mean busser cashier started managing last year and listen again we went the national average from the bureau labor statistics for your town though it would be you're just outside of the df area i'd be surprised if it's really that much lower in a median way but it could be it's not it's nothing too crazy it's a little small town uh or it's a it's like it's a pretty big country town so yeah rents affordable around there like it's better than like arlington fort worth so the wage might be competitive with there um so i know it doesn't vibe with you but i am connected to resources so if you ever want a course career certification through tech, I'm happy to give that to you.

41:07Okay, cool. I know that's probably not exactly what you're looking for in this position. Okay, quick silver card. Quick way to get.

41:22Oh, good. We're basically at the credit balance again. Credit limit. $2 ,188.82. At a$2 ,250 credit limit. So good. interest charging 53 54 cents transactions 178 and 98 cents again that doesn't make any sense for a card that's basically the credit card limit and then we have a 75 dollar minimum monthly payment which is absolutely wild just continues to stack and stack and stack and stack and stack and stack and stack again it's an apple in-app whatever purchase water burger going to that nickel city thing again going inside and getting some bulls touch tunes what the touch tunes uh playing music in the bar you pay for that you animal what are you doing identity protection is actually probably important an apple purchase another apple purchase in nickel city what are you in-app purchasing constantly through apple uh that might be roku uh more roku well like the subscriptions and stuff like that or um the other one was with buying more storage for like my phone well this one was 973 and then 2269 and then the first one was 540 on this one and then there were other ones on the other things

42:47oh what oh god yeah the 540 one's probably with the one that with I'm buying like something for a mobile game. In the game? What are you getting in the games? It's just like tokens. It's always f***ing tokens, always f***ing gems. It's like some like... How is that more important than paying off debt? Again, to remind you, to remind everyone, you borrowed$7 ,000 to get out of debt and you're buying f***ing in-game tokens? That's what's more important than paying off your parents. That's what's more important than ever being able to retire. that's what's more important than ever being able to get out of debt that's what's more important than your entire life is gems just like yeah just bad coping uh cope with what what are you hoping out yeah it's just a bunch of stuff like like not happy with or try and be happy with what i'm doing right now and what are you not happy about with what you're doing right now i just feel like i I mean, taking advantage of.

43:50At the workplace? Yeah. Have you looked for other jobs? I thought about it. Okay, if you haven't looked, then I don't think you're being taken advantage of because you haven't put any effort into doing anything else. You're allowing yourself to be taken advantage of that in that case. You're allowing that. You're consenting to it in a way. Bustwood, the boys is here to let you know that every college football Saturday, FanDuel is dropping profit boosts that can turn wins into bigger wins. Sounds like we should rename Saturday Booster Day. Nice. 21 plus and present in select states opt-in required bonus issue does not a withdrawal profit boost tokens restriction supply including any token expiration and max wager amount see full terms at fanduel.com sportsbook gambling problem call 1-800-GAMBLER

44:35i also just don't know what i would do because whenever i used to do a bunch of stuff in my hometown like a bunch of different jobs like i was like camp counselor worked at bucky's listen i'm not against what you're doing you just have to say hey i know i'm being paid underpaid for my current position and i have the statistics to prove it i'm gonna have to find another job unless we can you know hopefully uh meet in the middle here come up with something you know it's a tough conversation but then you actually have to stick up for yourself if they say no yeah you know that's when you start looking for another job but you're just but either way is that the issue but is that you're spending because you think you're being taken advantage of like i don't know you're just spending everything on bull the even is that right in front of me what is that uh it's smelling salts so instead of buying zins i've been doing smelling salts that's insane can can noah do it in the post show yeah 100 okay no you're willing to i know i was gonna do it in the post show make sure make sure to stick around for the post show because uh no one's gonna do it yeah so i use i use that that's enough i i mean is it addictive i don't know anything about it no so i mean basically like if i go out and stuff like that I'll take it out to bars and if I'm starting to feel sleepy What does it even do?

46:10It's salt? It wakes you up. What is it? It's just basically like pure ammonia. Oh good. It hits your system and get rock and rollin' with it. You're gonna need to sniff a lot of that because you have negative$53.56 in your checking account. I'd be sniffing that and working 90 hours a week. Why don't you have a second job at the very minimum, at least to make things count? So if I'm currently looking for something that will work with myself, I like apply to like small little gigs. So like there's been some restaurants that are like doing busing stuff because where I can just have like extra cash on the side or at least pay off like some other stuff um for deposits getting to 2 ,899 three debit card bank card pin pos purchases totaling 609.45 other 32 other banking machine debit card deductions totaling 1 ,826 in here going inside a gas station getting some bullshit probably that first of all i thought it was like a mini thermos or a major vape like i don't look good i don't know things i'm just an innocent little boy who drinks coffee no yeah this stuff will last for like oh yeah smelling salts sp plus aff zone yeah smelling like the paid paydays or whatever doesn't it does it does it how long are you how what does it how long do you feel like Like, whoa.

47:50It's just a quick little jolt. And it just wakes you up. And then you're sleepy again? Yeah, because like with Zins and stuff like that, they'll make you, they're supposed to like kind of like wake you up a little bit. But I have like ADHD. So whenever I take like. But you don't drive home from the bars, right? Not always. But I also, I only have like. Drunk driving is illegal, sir. I don't care if you sniff a salt. Oh, no, I don't get to that point. Like I have. If you're getting to that point where you have to sniff a salt, aren't you? No, not that. You're struggling to stay awake. No, not struggling to stay awake.

48:23Not that far. If I have to fall asleep, I go to a friend's apartment. Going to the bar. Spending more money at your barbecue place. Domino's. Spotify. You can listen to ads when you literally are negative in your checking account. I don't forget what anyone else says. You can listen to ads. I don't think that's like the... I don't think it's going to make anyone suicidal or something. Ugh. Chop House. Going to the bar again. My gosh. Domino's going inside a gas station. Getting some bull. Hulu. Hulu for$97.41. Yearly? Quarterly? Something like that? Monthly. What are you? What are you? Is that cable as well?

49:03It's cable too. Stop. You do not have enough time. You should be working instead of washing things. You don't have money. You're negative. I canceled it. It's gone. Thank you. Going inside a gas station. Getting some bull. Getting some restaurant. going to the gas station getting some bull getting some more barbecue at your own place going to the bar again you guys love that bar hey you got some pluckers i love myself a holy macaroni from pluckers i do too get in a car wash yeah i can tell we both love macarona ham that's delicious car wash i don't know why you don't need to be getting I Stupid Okay It doesn't snow down here No And I signed up for Like where you can get Did you cancel it?

49:48Did you cancel it? Not yet Cancel it Cancel it I totally forgot about it Cancel it I'm going to cancel it Cancel it I'm definitely going to cancel it Cancel it Because I've only used it once Okay And then you went to the Lone Star Bar You got some more smelling salts McDonald's Going inside a gas station Getting some bullshit A live music venue called the lumber yard we're back the spice rack bar whataburger and spotify again okay oh i signed up for a monthly or like the duo deal because where you basically like share who's sharing it with uh me like myself what because did i just hear because we're using we the other account for like you and yourself well for the restaurant that i work for the where we play music have them pay for it i know i'm gonna bring it up i think they can pay for that i'm sharing it with myself is one of the more interesting things i've ever heard in my life then just transferring things back and forth oh god 36 hours of overdraft oh good another 36 hours of overdraft you're a wild man let's break up sometimes for some people i need to break out the Crayolas for them.

51:03So let me break out the Crayola for you. Alright. Special little Crayola for a special little boy. What kind of color do you want? Pick your color. I'll do blue.

51:18Here's your little blue. I want you to essentially give me a pie chart. A pie chart like this. I'm going to call this BS spent. That's bad. Red means bad. And green is pay debt. You can use your little blue.

52:01and you are going to give me a pie chart of how much you think your debt was and how much you think or how much you spent on bull versus how much you think you paid towards debt net okay okay i want you to there and put a number next to it guess like equate it with numbers so if you draw it up to here and that's like 10 000 put that and if you draw this up to here that'd be like 5 ,000 right or like 10 ,000 up here 5 ,000 here so i want you to best guess do a little exercise here okay do some things like the little kids in your restaurant right we don't give this is a luxury right here oh we only do it right here at hammer media bar chart i thought i said bar chart but bar chart all right so let's do

52:59put a dollar how much you think that was for bs spending yeah it's your bs spending bar chart

53:12that's a f***ing insane number in a month? oh wait in a month? oh god