Dumbest Guy I've Ever Met

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. so how has it always worked out because interest is accruing and the balance hasn't been paid off but equal this has not worked out because the balance would be zero if it has worked out so where's the working out that has been worked out that's been worked out because this has been worked out there's no working out um you are losing money my name is cameron i'm 20 years old i'm from houston texas and this is financial audio 20 years old double fist in a red bull i guess you to have a panic attack during this episode that's interesting uh from houston texas oh you're young um this is definitely interesting uh situation for someone so young so what do you do for a living currently um right now it's kind of complicated i guess i started being like part-time real estate and part-time construction with my dad so i guess to explain it a little better um from sunday to wednesday i do real estate like i guess full-time like during those hours i have the full day to do real estate what are you doing real estate um so i have this schedule that i've been trying to follow i haven't been the best at following in it i followed it for like a week straight um like in this last like in the past three weeks i followed it for a week straight like strictly um what do you what do you do in real estate i'm trying to tell you the schedule give me a second give me a second sorry sorry um so the schedule is like i wake up at five um go to the gym at six get home at um start i'm telling you let me pause you real quick okay okay literally the only question i ask is what do you do in what do i do not as your call people um i'm i'm an agent i'm a real estate agent okay so i guess my job what i do in the house is calling people prospecting um following up just a lot of calling people is on the phone okay so you're trying to get people to represent to either sell their house sell their house or represent yeah and how's that gone so far yeah um how long have you been doing it for so actually one year like this month and it's actually like like to be honest this month this has been like the most money i've ever made yeah yeah like this month i like i'm really proud of myself um i hope i'm proud of you how much did you make i no tapping 14 caffeine 14 oh sorry that's okay it just it's let me open this 14 000 14 000 yeah like a little bit over but 14 000 yeah but i spent most of it i think something like that is this the first time you've made that money yeah uh what do you mean you spent it where'd you spend it at um like so like there's a little bit of a backstory to that so always a story go ahead story time i'm crisscross applesauce in front of the fireplace give it to me i got you so i was like so i guess i got my license last year um in real estate and like right after i got the license i was like really confident about it like oh yeah like um like watching some realtors like i'm gonna call people knock doors i'm gonna represent someone um sell their house make a big check like boom boom boom yeah and i kind of spent um i kind of spent the money before it was in my pocket for a lot of the credit cards i had when um like this was like i mean it started last year but like for a while yeah like okay like i took a few like right after i got my license i was a server before this um i got my license i quit the server job like i was knocking doors for around like two three months um but knocking doors really means like uh i knocked doors for like two three days or like two like a few days a few weeks i guess um didn't really do anything um like how much money did you spend before no tap on that table how much money did you spend before um i don't know like no you know yeah yeah you don't know um so like my do you look at your balance i do yeah yeah let me let total was like around 2500 oh 2500 yeah like it wasn't no i wasn't crazy about it uh maybe over the course of six to eight months i mean that's not an incredibly insane number now obviously spending it before you make it that's dumb that's bad it's accruing interest and i mean that's you know it's stupid but it's not the craziest number in the world yeah but what i'm mostly curious about which was the question i asked before you went into a story that didn't answer the question that i asked oh yeah sorry what was it what the f*** do you spend your money on that you just made oh um so like i kind of like divided the money in between like my parents like helped me out a lot like when I got my car.

4:37So they helped me out with the down payment. So I kind of gave some money back to them. How much did you borrow from them? I don't know. Like I think they helped me with the down payment. The down payment was$7 ,000. I put in$2 ,000 and then I guess my dad put in the rest. So you do that. It was$5 ,000. $5 ,000, yeah. How much did you give them? I gave them$4 ,000. Okay, so you owe them$1 ,000? Yeah, sure. Yeah, sure. No. But like. Come on. I'm sorry. Yes. the only reason I say yes sure is because it's such like the number so like it's so random like I owe them more money than this like more money than just this it's like okay so you gave them$4 ,000 yeah you made $14 and I gave them$4 yeah did you set money aside for taxes no rule number one Mr.

5:2320 year old set money aside for taxes that's gonna come dude next like okay it's your first well it's not your first year so you actually might want to start doing quarter of these this year uh okay uh so that was that was last month right yeah that was last month so january february what did you make during those months january february uh this year yeah um real estate not nothing march 1st was like when i got the checks um january what did you do to get to 14 000 um give me the rundown sold a house i sold a listing a singular yeah sold a listing and then that family um sold their house and then moved into another one so it was a so you got three percent on both sides yeah pretty much yeah okay thanks gotcha well like thanks for like uh helping my brain like organize what i was trying to say well you're welcome thanks i know are you a little nervous yeah it's you know i mean it's crazy it's crazy okay sure so gotcha and then you said you also do construction so um i'm just trying to get a baseline of just what we're bringing in can't do anything guaranteed for real estate at this point because it sounds like you've got like essentially like your first sale first buying um what was your relationship to these people uh i knocked on their door well i knocked on like i mean that's grinding i mean i love that year and a half yeah I mean it takes a while to get in the real estate it is a long-term play when it comes to the representative side of this yeah you build relationships over years then as the people move as the people maybe look to rent and you know whatever it ends up being then they come back to you and you build those relationships over years and it becomes like a decades-long process it is slow to start so I get that so but because of that I can't put down like oh I think we make this much money from that so tell me about this construction job um so i'm working three days so thursday friday saturday 125 a day so i get a check for 375 friday saturday saturday yeah okay you're a contractor um my dad has his company and i just kind of go in and he gives me a check he gives you a check yeah it's check so it's like paper trailed uh yeah okay i'm assuming you're not w-2 from the sounds of this i don't know i just get the check and i just picture deposited into west fargo it goes into my account i'm gonna guess that you're not w-2'd i don't know to be honest i had no idea so like your dad hasn't talked to you about taxes or anything so he has his accountant he like whenever i get my tax papers from like um wherever like the other jobs i've had he's just like oh just take it to them like so how'd you do taxes for last year um i did them through credit karma the turbo tax credit karma thing through the app but last year um he kind of got mad at me because i didn't put him he wanted to put me as a dependent because i still live with this i still live with him you know i mean so he wanted to put me as one of his dependents but i didn't so when i didn't i got a i got like a 500 return so i used that but did you claim all your taxes correct for last year i think so i mean okay because this wasn't um the first uh the first two transactions i had one before this a few months back which is actually like uh which was um someone i knew it was actually like my girlfriend's house like they they helped me out you know yeah no for sure okay so good baseline not much guaranteed income say that number one more time just that you get on a daily basis 125 125 and you get that three times a week yeah okay 52 oh sorry 325 125 for three days 125 times three times okay that is 20 000 that's obviously not enough to live on especially in a major metro like houston and you work every single week correct yeah i mean i it's been like my second week this weekend working but what like i just started doing this because i had another doing what like shopping 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.

9:53No 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. Yeah, yeah. Because I've been doing it for like a month, barely. So last year's taxes weren't much of a concern anyway. I didn't do that job for last year's taxes tell me about your your okay so yeah i don't know like a lot of the time for real estate like like it's because like i'll be trying to prospect and stuff but i don't like you're trying to prospect i try to prospect but like i've started playing minecraft and stuff you know what i mean like because i i don't know i don't think a dirt house in minecraft is gonna pay the bills but even if you convert to stone i don't think that's gonna pay the bills it's it's not about like painted because it turned into another portal maybe someone some little kid will get excited about it i don't think he's gonna cut you a check like what are you doing spending time down in the mines instead of out there grinding i am grinding i have been paying my bills how many times have you killed the nether dragon in the last week instead of actually going out and getting money all right let's being honest in last week i haven't played at all like not in the last month i haven't played minecraft in the last why bring that up because it was like like a lot of the time like you know like during like the year that i was spending money on my credit cards like that's what i was doing okay yeah how many hours a week do you work i'm just trying to get your life um with my dad like three days it's like i don't know it's it's just the three days it's not hourly how how many hours how many hours do you usually work those days 30 10 a day 10 a day okay yeah and then your other uh four days a week four days a week it's real estate so i just call i know four hours a day why see that doesn't make sense because that's what you want to do right okay like one hour is what i call what so right so it's a so one hour a day four hours a week what do you like that's what i'm that's what i'm doing like but that's not the only thing i'm doing though like because i call people but i'm also doing other things like for example like showing houses well that counts as work i'm asking how many hours a day you put into it but it's hard to calculate because it's not like oh let me do a stopwatch on average i'm just trying to get a picture of your week uh come on during the four days i'd say like 12 it's not a day a day no like maybe three a day three a day okay well you can obviously put more time into that no and if not if okay what would you give yourself what's your financial score zero to tens you're being the worst 10 being the best four currently it was worse so you think you're just below like an average solid okay okay if you oh all right we've changed to three if you want your hammer financial score check it out link in the description below it's free also give this guy some love for coming on here it can be nervous to be in front of the camera right also when i'm curious over the internet because there's you know there's confused people out there with some mental capacity issues sometimes.

13:06Did we have a conversation with you going into this conversation that I might beat you up a little? Yeah. And you said, what did you say? I said it was okay. Okay. And I said, oh, sometimes I make little humorous, inappropriate jokes. What'd you say? I said it was also fine. Oh, and what about the thumbnails? Did you understand that the thumbnails are wild and the titles are crazy? Yeah. Okay. Everything was understood. say oh can you tell the internet to shut up hey y 'all y 'all need to shut the up y 'all okay let's get back to your finances i don't know why so many people are confused out there you know it's interesting between the conversation of consent between two people for some reason the people on the outside are like why am i not involved in that conversation of consent oh man okay works weird ways all right well let's dive into a crucial aspect of your business cash flow i'm talking about NetSuite by Oracle.

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15:15we have one thousand fifteen dollars and eight cents on there let's see started with the balance of a thousand three hundred twenty six so that's actually progress we made a two nine hundred ninety four payment this is what i don't like buddy though i know what what did what like i paid I paid a lot and then I spent a lot. And then you spent a lot. So I want to know why do you spend a lot? Because you just got a chunk. You got a chunk of money. And yes, you should have set 30 % aside for taxes. You're preparing yourself, hoping we're making more money. And maybe that tax bracket would make sense.

15:51But either way. Okay. So you made a chunk of money. But why do we put it on a card? $664.65 when we are losing almost$20 a month in interest, when there is a$38 minimum monthly payment. If we have the debt and we have much more to get through, why especially on a month where you made that money and you started your second job where you have at least 20 000 hours a year guaranteed why is more money being put on a card that is accumulating interest it's because like at the end of the day caleb like i'm still gonna get through it like it's like what does that mean like i've and why are you smiling you said this before but it's like like we always like put stuff like we always push stuff like to our future selves and I always did that before and it low-key worked like low-key worked high-key worked I mean I made the check but it's high-key not worked you have the balance if it worked you wouldn't have the balance also you're 20 what future you haven't pushed things to the future your future of adulthood you've been into adulthood for three years oh 18 to 20 okay congratulations you've existed for two years big proud what a massive accomplishment i'm i'm thrilled for you so right what do you mean like you haven't had much time for that to fail yet you know just statistically that's a lot of and confidence on such a terrible mindset and based in and off just a couple years also why why are you smiling because it's like it's upsetting me a little because i'm like i'm sorry i just i want you i'm we're taking this seriously right yeah i am is it your first time on camera ever yeah it is i'm sorry no it's okay no that's what happens it's okay i just i just wanted to make sure i just wanted to make sure um okay so let's defer what so how has it always worked out because interest is accruing and the balance hasn't been paid off so high key for me would equal this has not worked out because the balance would be zero if it has worked out so where's the working out that has been worked out that's been worked out because this hasn't worked out there's no working out um so the way it's worked out for me it's like like the minimum payment is like what is it like 50 i've always done like a 70 payment like i always done more than the minimum monthly payment how is that actually like being okay just putting a little extra than the minimum you're still losing interest you are losing money it's because like and you probably like money you're in real estate that's a money game that's a passion and money game but no one's getting into it like oh this is gonna just be a standard nine to five career and then i'm gonna retire i don't know it's just like i'm gonna spend it and then i'm gonna make it later so it's like i'm gonna just okay and for example i like if you look at my spending i try to be like really conservative with oh that's not true shut shut the i mean i mean it's not this month because this month i make the checks so like but you spent 13 000 hours in a single month what are you talking about well it's conservative but what kind of conservative is that what i mean is like for the last three months i haven't conservative is stalling that doesn't make any sense okay you know what that is exactly what i did i stalled i stalled a lot decent attempt dave's hot chicken parking taquitos apple bill mcdonald's taco bell going and getting some paint which i wouldn't normally highlight but you've got got reimbursed for that you got oh but you've but all the paint you got because there's more paint throughout the statement 60 okay just this the 170 okay and then mcdonald's mcdonald's subway mcdonald's chilies smoothies oh guys we're being so conservative we're having a little conservatism what conservatism was happening there wasn't conservatism this is you putting all the money on just this this wasn't necessities the reimbursement i'm good with the reimbursement i'm good with let me be very clear but this was not necessary my boy my lad my dude there was no necessity i mean wait let me see real quick did you get reimbursed for chilies shoving them to be honest i've never been a deep shot chicken and i wanted i wanted to go there it was good oh wonderful i want you to be able to retire at some point it was really good congratulations so it's retirement i'm still gonna retire what do you mean no you're not you're in debt your net worth is negative it's okay like everyone's net worth is negative that's 20 years old mostly right but you okay and mine's not that negative yeah that's gonna piss me off actually that's gonna piss me off actually because you're in such a good position i know where you could be different than the norm but because the average person absolutely sucks you're okay with it that doesn't make sense you could be so beyond ahead of the game you could retire a multi-millionaire and you're just like oh because some people suck it's okay that i suck but i don't suck that much can't even think of an inappropriate joke to respond to i don't suck that much i'm ashamed of myself today merrick bank

20:48your smirks i'll be honest they do annoy me just gonna be very clear with you okay just one dude do another i just i hope you're taking this seriously yeah i am you are it's okay that you smirk this just it just gives that that vibe hurts i know i'm sorry i'm just like a little like nervous and then nervous yes very nervous americ bank we owe see it just it just gets higher two thousand four hundred four dollars and sixty four cents with a minimum monthly payment of 80 which by the way starts stacking what happens when all of a sudden we don't make money what happens when all of a sudden we don't have daddy's money through the job you know what if we don't sell a house what if we get a house 157 dollars of purchases absolutely shocked couldn't believe it the balance actually went up on this one making progress everything always works out right right right interest of 55.45 cents what i paid it down again like i paid another 200 oh good and now you're gonna put an extra 400 on it like this is how you do so like what's the point i'm swimming on it also the credit limit you're at for 2400 on here credit limits 2500 so your credit at the same time like yeah you're 20 you want to be able to do these things you might want to especially someone in real estate that's where leverage exists for good reasons and you can take advantage of it you wouldn't be able to take advantage of it philly shakes uh steaks philly cheese steaks from charlie's spencer's gifts oh good oh and blue chew they go one in hand get something nutty from spencer's and then blue chew to get it up i went to 956 huh what's that um the valley like that's a valley yeah like um i went to rgv like real girl like the island for the what the f*** you're talking about you for spring break i went to the spring break somewhere yeah to rgb like rgb like red blue green and padre island so same south padre south padre yeah okay that's where a lot of texans go to yeah it was nice all right we can skip the sorry there's a relation sorry never mind you need bluetooth to go on oh sorry i'll stop rick oh okay it was it's because like it was like i left i have no issue with you getting that by the way i was making a joke relating it to spencers i'm making a joke for me being like going on vacation you nailed it sorry i didn't and dear brook dear brook something long it's nice oh good and so it's 164 dollars of interest and 30 dollars of fees this year so far and we're you know not even half of the year that's also nice again you have so much opportunity at your age if this money was being invested in the s &p 500 instead at this time thinking of the compound that'd be happening over the next four decades by the time you're 59 and a half is when you can withdraw penalty free so i've been about the s &p i've been trying like i did see something a little later and there was some before that but but it doesn't 100 make sense and i'll explain why at that point but spoiler i know i spent all of it no well no 10 on average that the s &p gets from down in his up years combined is smaller than the 30 percent interest on the credit card so what the i know i wanted your opinion on that i just gave you it and your jeep you have a jeep vroom vroom zooming around what is it it's uh i saw it earlier what is it wrangler yeah 2016 jay bro he's he's a man oh he's so cool he got his wrangler what's the balance you totally have on this uh right now it's 31 000 000 31 000 no it's not 31 000 look at it that's what it is it's mine it's not on here it's not oh that's what it is right now though 31 000 on a on a 16 wrangler hey it was not a car dude so i don't know i just have uh you know just something the nerdy thing being fair like if i could explain what can you be a fair to this no not an affair like what i'm what i'm trying to explain yes the situation during the time was i was 18 and took it out for me um i took it no my parents just took the car out for me and i wasn't in the table i didn't know what the industry was i didn't know what the price was i just like yeah i want it it's not it's in my parents name okay well that's completely different yeah no no that's not in my credit but it's not it's their debt but i'm paying for it since i used the car and i wanted the car and i was like oh i can't take out the car the camera hey guys you like it if i just do the whole episode looking like this is this is this good is this a good no i'm sorry why in the world do you have this jeep guy it doesn't make sense for someone when did you get this did you get this at 18 i did yeah okay getting this at 18 is just silly this doesn't make any sense does it like this is this expensive of a car at 18 is ridiculous that's like a beater territory man that's where you get the beater car this is weird see this is what you're doing so i know i'm sorry i know it does look kind of weird yeah i see it now explain the situation i had a truck i was paid off like my dad gifted it to me when i was 15 you know i have a great dad he gave me a 22 year 2000 truck it got stolen after the truck got stolen i bought a car and the car f***ed up I got this car yeah but you gotta get like a$10 ,000 car that got you places for years to come I'm guessing you're not in college are you I went for a year I took a year off because I couldn't afford to go to college and pay the jeep and pay the jeep like I mean I don't know we chose the jeep over college hey it's a year break it's still gonna work out I'm not the biggest woo woo do college no matter what kind of person and also I don't really know what I'm doing in college a jeep over college now that's fine but we can still do gen eds at community college I'm still like thinking about what I'm doing Yeah, but we can still do gen ed at community college.

26:51What is that? They are the required classes that you're going to need to have for every degree, and community college is cheap. Oh, yeah. Community college is usually pretty cheap. I can't speak for whatever's in Houston, but in Austin, ACC, dude, it's like pennies on the dollar when it comes to the cost of college. Okay. It's okay to take time off, but choosing a Jeep over college is objectively dumb. Yeah, but at the same time. A Jeep over college. That sounds like a title. my way of justifying it was i didn't know what i didn't know what i was doing in college i i know you said that i didn't know what i was doing and i already had the jeep it's not like like i had to pay it anyways and like what's the term what's the term on this jeep so i didn't know for a while but i checked on that thing and i think it's pretty sure it was six years and right now how many years are you into it two i think so it's at 18 buddy what a way to just hold back your money what a way to just hold back your future as a jeep chair given 2016.

27:50it still drives it's good i'm sure it still drives it better drive because you owe 31 355 dollars and 24 cents on it so it better drive what's your minimum monthly i don't know i always pay more i always pay extra but it's 560 570. to who so that i pay directly to that i have the account what's your minimum monthly and how do you pay extra because you don't make that enough what 570 i think it says unpaid balance is 660 unpaid with 660 oh i guess after whenever i got the check i paid towards that like 1300 i paid for this month and next month and then this month i already paid on 660 yeah so last paid was on 38 38 buddy what's oh never mind uh so it's 680 680 i don't know it like i had to look at the paper i'm very like mine went i don't know i forgot everything i'm going right now sorry don't be sorry to me this is your situation man this is your life do you pay for car insurance it's i do but it's under my parents name i'm not i'm not under the car insurance how much do you give them it's 400 a month oh my oh just recently on here man what is with no you're just so you're just so early into adulthood you're in your third year of adulthood but and you're all your money's being held back by these wants these wants with engines that die and break how many miles are on this it has 47 000 okay that's interesting so this wasn't driven very much before you got it it had 25 i think when i got it pretty good

29:42spark business so this must be the real estate card um no this card was it was a really dumb decision it was really like on the line of these been good decisions no this is probably the worst one um great every year we get a fee as realtors like you have to pay like 400 or 500 yes i didn't have the money and i couldn't pull it on anywhere i i opened a credit card and i paid it with that Yes, you did. So it is a real estate card. That's exactly what I did. Yeah. $12 of interest. You paid more than the minimum. And finally, for the first time, no purchases. Minimum monthly payment,$17. $472 balance is$0.67.

30:22Again, like another 30 % interest, which confuses me why we put some money in the S &P 500. Yeah. to capital one savior the savior card i don't know what the saving you from but sure 352 dollars and 16 cents okay with 8.57 cents of interest accruing you put 700 dollars towards it but again you almost made it worthless by just putting half of it right back on like this one i this month i spoiled myself i You don't have room to spoil yourself. No. You don't have room to spoil yourself. How do you think you have room to spoil yourself? How do you think you have room to spoil yourself? You chose Jeep over college.

31:08You have a... I'm trying to tell you how. When you see the 10K in your bank account, it's hard to be like... You know what I mean? It's not hard. It's being an adult and you're three years into adulthood. So it's called maturity. It's called talking to someone. If you get a big lump sum of money, talk to someone who knows something. Talk to your parents. Talk to your... You already spent the money. My parents still got the jeep for me No I know but I just talked to someone who's had money You're right actually you're probably right And I don't really know anyone Should have just emailed me or something We get too many I don't think I would have seen it but

31:47Fine spoiler for the future If you get a bit of a chunk of money take care of your F***ing mess that you put yourself in Don't put it all on Denny's Okay I took the family out. $146 to Denny's. They came from Mexico. Sorry. You okay? Are you crying? I'm not gonna lie. I teared up once and then it just kept coming. Oh, it's okay. Are you okay? What's going on? Nothing. I don't know. I was just, I guess I got nervous. It's nervous? Oh, I'm gonna make sure of that. Literally just nerves, I promise. Okay. We're cool, I promise. Okay, well, I just wanna make sure I'm not going too hard. Listen, personal finance is hard and I struggled with it for a long time until I personally educated myself.

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32:55I felt nice. And my mom kind of like told them that I made money. I felt bad like being like, oh, I can't pay. Why the f*** did she say that? I don't know. My mom, she was like, oh, I'm proud of my son. He sold a house. Well, yes, that is cool. That is cool. You know what I mean? But not like, oh, he's made a f*** of money or something like that. I mean, she probably didn't say it like that. Are you okay? You're good. Can I get a tissue? Like, oh, sorry. Did it say that? Did it say that for you? My peripheral isn't that good. I just want to make sure you're good. Yeah. So I normally wear contacts, but I like this.

33:24I don't think I kind of messed up. So I'm wearing glasses today. Yeah. Yeah. I feel it. They suck. $25 monthly payment. You're treating them to an American meal when you go to Denny's. I guess I'm classic. Hey, they're cheap. Also Ubers and more Chili's and some taquitos. If we make the money, man, if we make the money, and this is why these videos should go to everyone in your age range, the moment you start making money you do not lifestyle inflate yourself right up to where i have the money i should just spend it all you got to take care of the mess you put yourself in first again you're right okay you don't know what to do in college so maybe you don't need to do college right now i'm happy to gift you a tech certification from course careers i don't think it works for your situation because i think you're more in the real estate world but i mean there's a lot of things but you don't know what you want to do in college so it's okay but the fact that you said you pick jeep payment over college payment that's crazy and if we get an influx of 14 000 of course set 30 aside for taxes another learning lesson but take the chunk of money and throw it at the car if you if that is holding you back what's the interest rate on the car i think it's like 10.7 something so that's not beating your s &p 500 on average i want to refinance it i'm trying well rates aren't much better and what's your credit score your cards are maxed out i know it's like 620 i'm trying to get it up yeah good luck on getting a great rate buddy yeah then you owe seven thousand dollars still to your family oh no that was just like i'm telling you like the numbers like very random because i'm telling you like a quick story um whenever i painted the truck they my dad paid for the paint because i guess he wanted to paint it too the paint was five thousand i didn't pay for that um and then when i i got a car after that and he paid uh the car was like 4 ,000 and I only paid like a thousand to him so I guess I still owe him 3 ,000 for that and then that's it and then like for the jeep it was the 7 ,000 that I paid 4 ,000 towards what's the total you owe to them I don't know I haven't like can I borrow the pen doing some math yeah doing some math okay doing memory lane give me a second you can't use credit cards man you are not a credit card person you haven't shown to use a credit card person I will allow you especially cause you're gonna be It doesn't matter if you ruin it.

35:46I'll allow you to use the fizz card. That's what people are allowed to use if they're bad at credit cards. Because at least it'll help your credit.

35:55You're not a credit card person. I would close these accounts if I was you. So don't f*** yourself. Before you even get to the drinking age. Okay. Yeah. I don't drink. Me either. But still. So that's... I probably owe 11. You owe 11 ,000. So it's more than we thought. It's 4 ,000 hours more than we thought. But being fair, like, my dad never, he never, like, he never tells me, like, oh, you owe me, like. Well, you guys need to start keeping f***ing record, and why are you borrowing so much money all the time? Stop. Okay, the$500. Is there a minimum fee payment that you owe him, or is it just whatever you can?

36:28No, it's just, like, whenever I want. Does he ever bring it up? When he's mad at me, I guess. There it is, which means he's thinking about it. If it's in the back of his head, it means he's thinking about it. If he brings it up in that situation. So you need to get that weight off of you. again it's a fun fact you brought in 14 000 in a month that's what i paid them for i tried huh that's why i paid him like 4 000 i tried i tried to like bring that down it was 15 i was a little live at home i do i paid them what other bills do you how much i pay the wi-fi which is nothing and then i pay that 400 a month so 400 plus wi-fi yeah and then the the insurance but that's like car payment okay yeah i want to see this jeep that can we see the jeep is the jeep here no it's not it's not um talking about the jeep i took it to the shop in the morning i had to spend another three hundred dollars oh gosh like if you look at the statements later a lot of the a lot of the like a lot of the spending is parts for the saw o'reilly yeah a lot of it what's that what what's wrong with it it has like 40 000 miles um the suspension if it messed up let me try to see if I can find you a picture.

37:36Sorry if I put my phone out. Tricking all the Red Bulls in, you have a Red Bull phone. Look at that. Look at you. Cute and matching. Hey, look. I'm telling you, I haven't been splurging. I have an ugly phone. I have a little phone. I've been wanting to get a new one. Don't. And I haven't. You know, I've been being adorable about that. It doesn't matter. It's a phone. I don't fucking care. That's why I haven't gotten it. Do you pay your phone service? Not my parents' favor for me. Good. Lucky. Okay, look. It looks like that. Okay, send us this picture. I want to see. Hey. try not to swipe please sorry sorry don't just don't swipe sorry what would i see no nothing but i'm just saying like normally like you don't want to swipe right it's common courtesy well i wasn't going to i'm sorry i sorry did it have this paint job when you got it uh yeah so there's like the only thing i had to do putting it on screen some of the paint um that was on there which loki i guess they paid for it because it was part of the 160 that they reimbursed me was everything in my power not to swipe not that i wouldn't have thank you gosh curious little caleb is also curious but anyways like the hood like i'll send the picture to you but the hood um like it got kind of rusted on top like the paint started peeling off so i painted that as well this car is your entire financial life this is insane it's so stupid i i don't know how to get rid of a day on your real estate stuff um what time do you wake up the perfect you said six right perfect day is five but normally it's six yeah but you work three hours a day what the f*** are you doing with the rest of the time why are you waking up so early if you only work three hours a day because that's not when cold cards are gonna be are they no i'm trying to schedule my life like i'm trying to how long does it take you to schedule three hours no it's normally four that i should be calling but like i just look at the screen i'm like i'm just i don't want to call the people like i look at the screen and it's like is this the right job for you then why are you doing it tell me why you're doing real estate i'm doing it because i want to i like it so you do want to i do i have a passion for like the only reason i i'd say like i don't automatically like do the work is because i'm very like i guess i'm a little insecure and like not knowing what to say when it comes to like making the phone calls well that's very important i mean this is essentially a sales job yeah like um what i was trying to do with i guess like what i was also trying to plan i was like what to do with future money coming in but with my next commission check i wanted to like use a chunk of it to pay for a new house right now i don't have anything under contract i have so when's the next commission check then huh so you don't know when the next commission i don't know so we certainly don't blow the full 13 14 000 in a singular month do we it's not it's not 100 gone i saved a little bit how much two how long you're so lucky you live at home it's the only reason you're allowed to do this because your parents will cut you slack if necessary and your dad is giving you a guaranteed $20 ,000 a year yeah they're good what was your question how long is it going to last no okay so how long do you sit and schedule in a day sit and stare in the screen figuring out how to use three hours of your work day how does that take schedule is wake up at five go to the gym at six try to work at eight from 8 to 12 that's like the perfect like those four hours would be like the perfect time for me to work but i don't really work i mean like i work for an hour like i do follow-up calls minecraft doesn't count and that's something better i've been doing i look i don't want minecraft anymore i just stare at the screen like i just like zombies stare at it how is that more productive than throwing ender pearls okay would be fun to play minecraft i'm not talking about fun but how is that even more productive anyway it's not so what do you you're just literally staring like what do you like you do during those hours study but i mean i don't know i'm not gonna lie guilty pleasure is looking at your videos well thank you like i'm not gonna lie i do be looking at your videos a lot good i wish i helped you a bit more until now huh i wish i wish this i wish that was shown in your statements so i see comments every day like oh my gosh i got an emergency fund because of the show and all this oh um like where's your emergency the way it started was...

41:53Yeah, it's not here. Okay. After 12, what do you do? After 12, it would be like lunch. But low-key, I'd take like a three-hour break. I don't do anything until like after three. Okay. You're lazy. Yeah. That's what it is. Yeah. You're lazy and you're putting everything on debt. Got it. Putting everything on future me. We figured it out. Huh? Putting everything on future me. But why? Future U is going to be pissed. Also, future U is always right now. $133 in our checking account. What the f***? It went up. Two. Actually, it's going to say the same. It's the same. No, you're right. Zellin out$1 ,000.

42:30TikTok shop. TikTok shop? It's like for$5. No, it was like$12. And also you have debt. You have debt. And you go to Denny's and everything else. $560 a month on going out to eat food. Yeah. So, mm-mm. ExtremeTrain.com Zelling out$2 ,000. Zelling out$100. Get in some taquitos. Robin Hood. There you go. You put$1 ,000 in. Doesn't really make sense because guess what? We have really bad debt. Get in some taquitos. Get in some taquitos. McDonald's. House of Fries. Subway. At least eat a sandwich that tastes like food. Zelling out$1 ,000. ATM withdrawal. Who knows where that went? $100. Amazon. Amazon.

43:14More Denny's. We're back, baby! getting some pancakes Northline Carnival Oh I went to a rodeo Oh for real It was nice McDonald's Zelle I had to take them Cool Yeah Something $9 a bull Timu You're a Timuer You're a Timuer Timu's terrible It's like a desk then It's for me to organize all the paperwork at my desk It looks like this You don't do anything during the work day so what are you organizing and then famous walk eBay $237 on ebay what the did you get on ebay uh yes i got headphones for tabulu calls yeah i mean they're cheaper they're always cheaper on ebay it's used uh pre-owned yeah it's like refurbished headphones okay i mean i just don't know if i want someone else's ears good time smoke it's great habit to have at 20 good job i'm trying to subway good i want you to quit i want you to quit the long job why like why do all the financial sacrifice if like you're not gonna live very long so So, you know, quit for the life of your longevity, right?

44:18How long have you been with your girlfriend over there? Two years. Two years? Okay. So, sounds like it's a little longer lasting. You know, hopefully we're together even longer. Yeah, you want to be around. Let's not destroy our lungs. Yeah. Usemotion.com. $243. I got re... They refunded me that. I didn't catch it to cancel it on time. It was like one of those free trials. Oh, f***. Yeah. amazon zelling out money atl metro who knows what that went raising canes zelling out money zelling out money little caesars more little caesars america's best i got glasses oh yeah that's an expensive no that's a classic guy that's a those are 500 no it's uh it's it's a few things it's like the membership for three years for america's best what is this buddy just go to warby parker i got these for like a hundred bucks no i mean normally i get like these cute but it's this and a year supply of contract on contacts you do contacts okay sorry and there's use motion again oh that was uh refund yeah refund okay and here's the robin hood this one's silly it's a thousand bucks in as we saw which makes no sense because again you have 30 interest rate it's mostly in the s &p 500 you do the vanguard version and the spider version okay and then you have take too interactive as 15 % of your portfolio.

45:39What are you trying to do here? Why would you have a single stock? Yeah. I'm waiting for it to come out. But it's not here yet, buddy. Whenever it comes out, I'm hoping it's going to take it out. No, that would be great. That would be lovely. I know. 15 % of our portfolio in a single stock is objectively stupid. It's just bad risk management. Also, it's$1 ,000. Also, it's your... Again, you're waiting for... GTA 6, like, it's It'd probably get delayed like 50 years. Hopefully it goes up a lot in those 50 years. Your debt is 30%. Oh, you're right. It is going up too. Yes, it is. Yeah. So the Jeep that we chose college over that we can't afford on normal months, unless we make a big amount of money a month.

46:21What we don't put the big extra amount of money towards it is in a shop because it's always getting repairs on it, even though it's only at 40 ,000 miles. Great. Yeah. It's pretty nice. You put a lot of money towards it. It doesn't make any sense. all right your spending categories break down like this 30.6 percent go to housing or 4035 that doesn't make sense let me see it let me help you out a little bit i don't know what you're gonna get from that

46:52because i think you got a head you got a head on your rent yeah that's yeah because uh when i was 10 months of rent up front yeah that's what i said they'd look for the 4 000 i paid them was that doesn't make sense buddy your rent doesn't have interest that 4 000 could have gone to debt with interest even if it wasn't debt it could have gone in the market in the market don't freak out yet my bad calm down let it fuse say your thing so it wasn't like 4 000 it's like like kind of the like this is what i mean by like my parents that isn't really like categorized like i don't really know if i paid that towards their debt or like if i just because i gave it to my mom for her to put it towards the house i just gave her the money and she was like okay and right now they haven't been they haven't been charging towards the house they own a house they're about okay they want to pay it off they need your 4 000 to do that i mean i helped them i mean it was like 4 000 like this is i guess just as a son like helping them i guess i know and i love that but it makes no sense you have 30 interest in debt and you have no retirement you're not starting to contribute you're only make you've only made one sale in your career and you're working three days a week three three cells okay okay over the course of two years one year one year you said two years before okay like one year anniversary was okay this month and then these percentages are skewed because of that but transportation 1881 dollars to 14.3 percent that was all the all the parts for the jeep it's got the gas you got the uber got the parking got the o'reilly's advanced auto parts your car payment your electric charging bus ticket then we didn't even have yeah it's because you pay double on the car payment but we didn't that may as well make up for the car insurance then your bull food 600 bucks basically it's insane unknown shopping walmart amazon target that kind of stuff by the way no groceries in here fun fact 293.49 healthcare medications uh gyms 529 what did you do for what this is in the healthcare gym stuff oh america's best that makes sense and for gym i pay once a year so okay and then the blue chew and then the barbershop okay and thousand hours went into savings it's kind of dumb right now your version of savings doesn't really make sense miscellaneous bullshit you stopping and getting the dumbest crap ever pointless unnecessary two thousand four hundred eighty three dollars and twenty nine cents the tiktok shop the off-roading equipment for your jeep the houston rodeo timu ebay smoke shop spencer's gifts a the ai assistant pax sun um the shoe palace marlin auto paint definitely not necessary for survival and then just additional just gas station stops and getting things large purchases two thousand four hundred five dollars can't afford this life you're living you're just inflating yourself like crazy 1700 bucks was a gift marked by you selling out an additional$533, your driver's license, and ATM withdrawal.

49:53What the f*** gift? $1 ,700 when you have high interest debt. What was your gift? Give it to my parents. Was it paying back your debt? Or was it a gift? Okay, so like being clear. So$1 ,000... Also, the rate on the car is 12%, not 10%. Kill me. On the car is 10 %? 12%. Oh, it's hard that thought. My bad. um yeah i guess i just gave them more i just gave them money so i just i guess i repaid them producers may we have a value check on this car do you know the vin number you have a anywhere yeah i could get your picture good yeah get them a picture i can't believe you blew ten thousand dollars man that's like a fully funded emergency fund for some people you don't understand what position you've just blown but you've just destroyed like trying to like i guess like explain myself was like for the paint i had the jeep paint light like it was like peeling off for the past year i was like okay let me fix it and i was like oh buddy you spend a thousand hours over a thousand hours a month on this car without the maintenance without the depreciation without the gas without the paint you already spent over a thousand hours a month over $12 ,000 a year.

51:14$12 ,000 a year at 18 is insane. That's more than I made at 18 part time in college. I used to make a lot of money as a server. Great. Maybe you should do that because you have debt to pay off and to take care of. You're f***ing your 25 year old self. You're f***ing your 30 year old self. You're certainly f***ing your 59 and a half year old self because you're not even starting any compounding. the amount of preparation for the remainder of your life to be set up for success the opportunities are crazy that you're just throwing away it just hurts to see like this is why it came yeah i know yeah and that's why i'm telling you but also like trying to like it's okay do you want to go back to college what do you want to do for a career i don't want to what do you want to do for a career for a career i just i want to do real estate full-time that is what you want to do so we're not going to go back to college i'm not okay that's fine when do you want to move out um doesn't matter okay actually next six months next months what the what how did you just go from it doesn't matter to six months because i went from line to telling you the truth i want i want to be clear well with you thank you i appreciate that why do you want to move out in six months my parents are great but sometimes they're a pain you know what i mean sure they're parents yeah yep you're a kid yeah they're a kid you're not a kid you're an adult but you're their kid i'm trying are you okay yeah you sure yeah am i going too hard no it's me thinking about my bad choices well but you aren't that bad no no okay uh high key yes they are but it's but this reaction is actually good this is a good reaction I'm not like I ever want anyone to cry but this reaction shows that you actually at least recognize your mistakes and it shows that there is a potential change and betterment of your future that's a good reaction to have I don't like seeing anyone cry wait to be honest it might be a side reaction of the Red Bull I'm gonna punch you you I'm gonna what are you I haven't even had to say that this episode it's like a by the way you owe what was it on the jeep 31 oh good it's worth about 20 000 yeah i try to trade it in it's a perfect place to be in at 20 i'm really upside down negative equity i know yes you are really upside down but guess what fun fact if you sold it borrowed 10 000 to pay off the loan and an additional 10 000 to get a car that's not fancy but will get you to a and be safely for years to come that still saves you ten thousand dollars overall and i would rather that be done for you you do not need this man you do not need a wrangler what are you wrangling you're not wrangling anything in your life you already got a girlfriend you're not out there wrangling no but like you've won like me no one okay that was you i kind of thought it might have been me i'm sorry i was playing with my phone um explaining the jeep my parents want my parents like it too like i try to treat it but it's your financial future so what do i do like how do i have that conversation with them where i'm like mom dad i'm actually taking care of my financial future yeah so i'm gonna do this but technically it's under your name and if you're not down for it then i'm not paying you that's a hard conversation so much easier said than done i get it but also that's manipulative if if they're gonna force you to pay for it but they're or else I'm not going to allow you to ever sell it.

54:56That would be legitimately... Is there a way I could help them a little bit with the payment? It's not about the payment, buddy. I'm trying to save you$10 ,000, which you need at your age. Again,$10 ,000 is an emergency fund. $10 ,000 is the best month you've ever had. $10 ,000 can grow to... Like what? $50 ,000,$70 ,000 by the time you retire? i don't know sure yes oh thanks i didn't know that number well i don't know i mean i was just doing some quick math i could definitely be off math isn't my best trade so real estate is what you want to do and i'm all about it but if you want to do real estate full-time we're working we're working more than three hours a day there's gonna be slow days absolutely but the way you knocked on the door and got that and closed 13 000 hours in your pocket or 14 whatever that shows that the work you put in worked but of course for every 500 knocks you do you're going to get one yes and 499 no's but that means you need to go out there instead of settling for 500 with one yes you need to go out there and do 2 000 and get four yeses yeah that's what that's what your career is going to be and the more of those yeses you get the more they start to compound in the real estate world as well because they come back if they enjoyed their experience with you the The next time the people that just bought this house sell a house in like 5, 10, 15 years, when you're just still into your career, they're going to come back.

56:27They're going to be like, this dude is great. I want to sell my house now. Can you put it up? And you're like, I'm putting it up. And you get that money. This is not a month to month thing. This time you're putting in on a daily basis is going to pay massive dividends over the years to come. Y 'all got to use my favorite high yield savings account where you can get up to 4.6 % on your money. plus FDIC insurance up to$2 million. You can also get up to$300 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.

57:00Click in the link in the description below and get those bonuses. I haven't done a lot, a lot of work, but the work that I have done, I'm already seeing it. I have two active buyers right now. You know what I mean? They're getting ready to put out offers. Good. What's your commission going to be? If everything goes through, which is not guaranteed at all. let me pull out the calculator because quick math I don't like to calculate it until I see it you know yeah which I get I don't like to jinx myself yep I know I get it but I just want some numbers make sure you're setting aside money for taxes again said that a lot of times that'll be the last time I say it probably not so for one it's a six five and then for the other one one six five one thousand six hundred fifty ten thousand six hundred no what do you say six thousand five hundred sorry okay and then sorry i still i'm putting my commission so good on it as well yes uh 2700 plus still i mean you get that over the course of okay so you get that over the course of a few months i mean yeah that's that's still barely you know survival if you want to move on in six months i know and i want you to be able to move up listen you're trying to be an adult while also acting like a baby if you want to have the adult things like moving out if you want to have the adult things like having a car if you want to have an adult things like having your own real estate business you can't do the childish things of continuing to spend money on a car that is accruing interest you can't do the childish things like going to mcdonald's every second of your life and going to this is like subway no one deserves the punishment of going there anyway so there's no point it's because they're cheap like a child doesn't figure out how much they owe their parents an adult figures it out adult has the hard conversations with the parents about what do i owe them and i need to get rid of this jeep because it's just weighing down my financial future yeah okay so your income it's hard to put down but let's get you somewhat of a budget and of course you're going to go through the budgeting program and you're going to go through the self-employed section and get the nitty-gritty and build out your true budget but this is a good just baseline so what did you say your rent was again 400 but when's the next time you're gonna have to pay that you may have overpaid if you paid 10 months of it i know it was like a gift it was weird but you're moving on in six months like how do you recoup like what's happening no it's like because that 4 000 was like me also like repaying like the money i owe like that's that's their money when do you when do you have to pay your 400 again i once they told me i guess they haven't told me but you still pay for the internet yeah i pay for them every month how much 45 okay gas was 300 bucks parking was six i don't think that's normal normally that's zero yeah yeah okay your normal car payment uh well what's car insurance again 400 that's insane that's wild hey normally you don't have to pay your phone bill your parents take care of it yeah normally for the insurance i i called like a few different places they were all 900 when i was 18 Yeah, because you have a Wrangler at 18.

1:00:06It's stupid. It doesn't make sense. Get a Buick Encore or something. I don't know. Some bull. I liked it. It's nice. Thrilling. Glad. I liked it. Oh, that's what everyone says. I don't care. Subscriptions. So how do you, what's the food situation at home? How can you eat? Eat. Like, do they cook the meals? Yeah, my mom cooks for everyone. Okay, cool. Then you're budget zero. you're not going out to eat and you're not getting groceries either I'll give you$100 for your toilet paper fund anything else you need to survive it'll be a little bit of fun here and there but that's pretty much it that medical stuff was was the glasses $500 so ongoing really nothing else and then your minimum monthly debt payments obviously let's get that so what's the best thing like $840 the best thing is getting rid of that absolutely not even a question 840 is like basically your entire that makes up the majority of your budget so you need a minimum 1685 but you're going to need to double that probably when you move out you're going to have to get groceries you're going to get rent and then rent is insurance you're going to want to furnish the place like so 3000 hours a month minimum probably survive are you going to stay in Houston yeah okay so you'll continue that guaranteed three-day job no right now i feel like i'm in a place in my real estate career where i like the ball starting to roll like as long as i put in like if i get my together it's gonna roll together what's gonna take you what's gonna what's gonna get you to work more than three hours a day in a productive way you need to like read like a workbook or something and what i mean by three hours is like three hours calling and then it's like showing houses these and it's not i know three hours but it's like i know i could be doing way more than what i'm doing yeah yes i know people that work in real estate i love real estate real estate it's great it's probably what i'd be doing if i wasn't doing this at this point it's great i'm in the rental property game like dude i'm all about it i know what goes into it so you could obviously be doing a lot more so i'm okay with that being your career you obviously have success at it when you put your effort into that so you've proven the concept so i want you to double down i want you to do minimum six hours today you know crazy and just again if that if that double the time equals double the income that means like you know every other month maybe we're getting like 16 000 bucks something like that you know 18 000 bucks every other month like we can live off of that you can live that budget what i need you to do immediately when you start getting your checks you need to at least i need you to divide it on a quarterly basis in terms of just what you have left over and what you need for your budget like pretend like you're not going to get another commission check for at least a quarter like i'm oversimplifying this but that's a good way to do it potentially and then you need to start tackling this debt and this is before you move out it's going to be longer to move out than you'd like unless you really start getting these amazing commissions or you work another job and start paying off this debt you need to pay off that savior card first then you need to pay off the spark business card then the discover card then the merrick and then pay back your family all while also borrowing 20 000 hours getting rid of the jeep in private sale using 10 000 hours to pay it off and use another 10 000 to the 20 000 you borrowed which will likely be at like 12 15 uh you know personal loan rate you know what you have to qualify for this you need to see if you even can like you're young your income situation is rough you might not even be able to and your credit score is not great either so that could put a damper on it all uh but if you can do that then you have 20 000 hours to pay off then and then that will be your last in your snowball operation then you save up a six-month emergency fund and then you move out that might be two years that might be three years that might be four years you grind you work you work 12 hour 14 hour days as a business owner trying to build your business instead of you know grinding on some hitting the hitting the blocks and punching the wood if instead you put all of your effort into this bring in the money the more you work the smarter you work it shows that you personally make more and the more you make the quicker you make it the quicker you pay off this get a fully six-month emergency fund and the quicker you move out and that's obviously the goal we want to get to six months is off the table wow wow wow i'm sorry but this it's okay because it's for the longevity of your life you're also setting money aside for taxes because you're going to start making good money from the sounds of it from these last couple months keep up that track and at that point you need to start investing probably like 23 or something it's however fast you want to go whatever how much ever amount of work you want to put into it it's kind of up to you it's a long or shorter road ahead with longer days or shorter days it's up to you this is this is your journey uh from here so and then at that point you need to start investing man at least 20 of your income fund a moomoo account fund uh roth ira a solo 401k there's lots of good things you can start doing so you can retire what's the difference in like the robin hood account in a mobile account i personally like moomoo just for the platform itself uh we've partnered together um and i like the analysis they do of overall stocks versus robin hood plus robin hood is like paused being able to buy some stocks here and there historically and i just don't like that as an idea uh or selling or buying i don't remember which one but it was like the game stuff one gme you remember that um but then also in fidelity is where i have like my roth ira some solo accounts and things like that then i just do my individual brokerage and moomoo your hammer financial score you're spending in a budget was insane you just didn't have the money it's zero zero zero your that's not even close to the worst you're just being dumb the jeep's dumb but it's not even in your name i'm gonna give that a three out of ten emergency fund i wouldn't have it in the market i would take that out and start throwing it towards your debt you don't need a one month emergency fund because you live at home and your parents will take care of you i'd take that out and throw it out the debt immediately emergency one is now zero retirement because you're going to take that out of zero real estate zero but that will change quickly i think you're actually gonna have a successful 20s you just gotta grind to do it hammer financial score right now is going to be a 0.5 out of 10 make sure to check out all the resources linked in the description below is there what i use or would use in specific situations including the best budgeting program in the history of the internet now stick around for the post show today on the financial audit post show like for example next month or in like next two months i'm gonna have x amount and then paid off you know what i mean but you did i know you got the money last time and then you didn't so why would that change this time yeah and i guess what the situation was no why would that change this time yeah and no why would that change this time to watch the financial audit post show click the join button below