"Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit

26:28And I've also just been making better habits of not eating out, actually cooking more meals at home, especially lunch and breakfast, going to work. I still do sometimes. You know, it's not perfect, but what's more important is that I'm honest with her because it's important to our relationship as well as finances and health. Going out to you was almost 300 bucks. Yeah, man, it was bad at one point. That is bad. Yeah, that's what I'm saying. No, you said you got better. I've recently gotten better. Oh, a week before you came on the show where his finances were. And the last month because you have my statements from August.

27:08We're in the middle of September. We're in September right now. Oh, come on. Right before coming on the show. That's always the most BS excuse there possibly ever is. I mean, even then, I was still packing lunches. I've just gotten better at it. I've even been intermittent fasting lately. Just that way I'm not, like, going out for breakfast or, like, buying coffees. I mean, I also have other lunch purchases of$1 ,837. I don't know what that's going to do, but that's such a substantial part of your budget. But still eating some bullshit alone about$500. It could be video games. It could be who knows.

27:37There's definitely some bullshit in there. So, yeah, there's a number of things. Why? Why? I mean, these are lifestyle choices and habits. What are we cutting back on? I thought the lifestyle choice was to get overseas, though. That is the big picture. Yeah, I mean, if we're going to do that within that time frame, that means cutting back on a lot of things. That means even more strict budget. I'll be honest. You don't think there's any possible way? You have 22 ,000 hours of debt. How can you? Will your social media job follow you there? I can.

28:10you don't have an answer on that. I, no, I don't think I need one. I've been able to find work pretty quickly doing what I do. You won't be making American dollars in Mexico. I thought that's what you were attempting to do, is to keep American income in Mexico. That's why I'm building my own brand. Buddy, 2 ,500 followers. I'm sorry. Okay, but that's still really early developmental stage. Exactly, but you're moving in five months. Okay, well. What's your follower? How many months has it been? Since you started. It's been six months. I don't do. I just had an itch in my nose. Six months? It's been six months.

28:47And the engagement rate and follow rate has gone up since starting, more so in the last two to three months. Okay. So let's call it three months then. Okay. 2 ,500 divided by three. Good. So 833 on average, you're at 2 ,500 plus 833 plus 833 plus 833. Great. Oh, wait. Plus 833 plus 833. Good. But it'll be at$6 ,500. That's enough to at least qualify for brand deals. That's enough to gain trust. Dude, your brand deals are going to be like$25, though. I don't think you know. I'm in this world. I'm in this world. I mean, yeah, you're in it. Yeah, and I respect it. And I'm also in a world where brand deals pay higher because this is money.

29:26Of course, yeah. Automotive is actually pretty good. Automotive is pretty good. Pretty good, but not as good. And I still know, one, it's going to be based on view counts more than followers. And I just saw your views. I mean, we're looking at like 1 ,000 or 2 ,000 per reel. Those are very low quality views because it's short form content. I'm starting. Right now I'm working with just over 30 ,000 views per month. You're not going to get brand deals. You're going to be on an affiliate basis. That's also, yeah. I mean, there's various. No one's going to give you flat rates. You are going to be on affiliates.

29:55I can do both. No, no one's going to give you flat rate at those numbers. You are going to be affiliate, meaning you get a commission on what you sell. Do or do not. There is no try. Of course you're going to try. I'm not talking about what you're trying or not trying. I'm talking about what's going to work in five months. This is an unrealistic plan by every means. I mean, I have to consider various options. I mean, right now I'm even looking at getting a second job just so that way you can bring in more income. No, I'm talking about in five months. Okay, but if I can save more money within those five months so that way I can grow savings as well as pay off the debt, I have to look at some type of option.

30:41You're looking at me like I'm crazy. Yes, because listen, you can make a little progress on this in five months, but this does not answer how the fuck you're going to live there. I mean, I don't know. There has to be every business in 2025. Dude, this is kind of crazy. This is beyond higher than I thought. Beyond higher. Individual aiming for comfortable lifestyle in Mexico City, including entertainment, travel, decent housing there. United States dollar, $60 ,000 to$85 ,000 a year. Okay, that's— $5 ,000 to$7 ,000 a month. That's if you keep your current job—well, you actually—well, yeah, that's if you keep your current job there, but you don't know if you can.

31:29It doesn't matter because the skills I have, there is demand for it. every business in 2025 needs marketing. If you're not marketing on social media, you're going to be lacking. Hold on, big guy. This is very much service consumer driven economy. I'm not saying Mexico doesn't have one, but America's the top of the world when it comes to that. We'll go into debt for anything. Yeah, marketing, social media management is more prevalent here than, I mean, you got South Korea and Japan, sure. I mean, yeah. Come on. We're talking a lower income, middle income country. That's assuming that I have to get a job, I have to get like a 1099 working for another company in Mexico.

32:06Maybe. Have you looked at the visa and work permit processes? I mean, before this, I was doing freelance. Have you looked at the visa and work permit processes? You don't even know what you can do. From Mexico, I have not. What the f*** are you doing then? USD, the median wage there, by the way, on a monthly basis is$1 ,400 to$1 ,500 a month. So if you don't take your American job, good luck. Okay. I mean, Mexico was one option. You said that is your option. Your top option that she highly wants to do. This is what she wants to do right now. What's the second best option? Second best option would be the UK.

32:42Oh, out of all European entries, why did you have to pick the literal fastest declining? Come on, dude. It's done. The UK is done. Pick another one. I'm not even going to allow that as an answer. Just because it's easier to talk there. Okay, Spain. At least they're already done. They're not going down. Okay. Like, UK is in the collapsed world. Spain, yeah. If you're making a higher income, sure, you can go live there. If you keep your higher income, you can live a great life in Spain. It's not an overall great economic situation in Spain in general if you're going to be going and just working in the economy, though.

33:12Like I said, this is why. Really wish you picked one of the more northern European countries. They're slightly like Poland or Germany even or Switzerland. I would love to live in the Netherlands. There you go. Netherlands is fine. But even still, I don't think you know your options in terms of visa processes and whatnot. I should look a whole lot more into visa processes. If you want to do a big international move in five months, I would say, yeah, you probably should look a little bit more.

33:38Yeah. Look, I'm moving a lot more with our experience. We've traveled a lot into these countries. We spent over a month in Europe last year. that's our perspective as far as where we want to be, how we want to live. Do need to look a lot more into the practical logistical stuff. Uh-huh. Uh-huh. Honestly, buddy, this sounds like you're just relying on your fiance to me. She has the savings, you have the debt, she's choosing where to go. It sounds like you're just along for the ride and you're relying on her. I will say that she's the one that's more financially responsible. That's why she's a fan of the show and she got you to apply, right?

34:17Yeah, yeah. Maybe that's why she's also not here, but also she's traveling. By the way, failure rate for those who move to Spain, 73 % and come back. Just going to throw that out there. That's the rate of people that move to Spain and come back to the U.S.? Huh. Good to know. It's not impossible. Yep. Leading cause of failure for all expats are often related to lack of preparation. Well, you're doing this in five months and not prepared in any way whatsoever. Yes. And an inability to adapt to new circumstances. Germany, Italy, France, Austria. Oh, cool. Yeah, yeah. Yeah, very cool. I might be the coolest guy you've ever met.

34:49I need to explore Eastern Europe a bit more. She's in Germany right now. Yeah. Okay, cool. Well, I guess that was a good way to deflect everything I just said. No, I had no idea that you actually even, like, been to that side of the world. Yes, I love walkability. Again, I wouldn't go to start a career in life in many places there. In many places, I would. Would you give an example? Switzerland. Switzerland. Norway. Yeah. Poland. Yeah. Yeah. Norway seems cool. But I'm set up in a way where I probably could. That's not me jerking off. I've set myself up. You're hoping that your 2 ,500 followers turns into$5 affiliate deals in five months.

35:33$5 affiliate deals. Dude, you are dramatically overestimating. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools. our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason.

36:15And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go. Hey, I don't. Hey, okay. Pause. Yeah. Pause. Sure. Pause. What? Pause. What? Let's bring in a chair. Brandon, come over here. Guess what? He's the head of brand partnerships at Hammer Media.

36:50He negotiates just on a daily basis. We're in the top 10 podcasts on all of YouTube. Okay. This is great insight. This is really good exposure for me. We're in the top 10 podcasts of all the internet, and he'll tell you how difficult it can be. Okay. All right. Well, you guys know him. You'll love him. He's the translator. He's the degenerate. He's the brand deals manager. He's the post-show sitter. He's the fat and fatter, Brandon. He's here. Okay, so he actually does this stuff on a daily basis. Real conversation on this. Okay, 2 ,500 followers. He might get up to 6 ,500 in five months on his growth rate.

37:26Brand deals, making a living off of that. Thoughts? So we work with a ton of companies. Sure, I bet. Number seven podcast on YouTube. The rankings just came out now that we're officially on the podcast. We went from four to seven. We'll go back up. Didn't have the best episodes. Regardless, one of the biggest podcasts truly in the country. Yeah, definitely on the platform. Yeah, it's great. There are companies that I talk to on a daily basis, and we are very analytical with the things that we actually put in our media kit in terms of past partnerships, numbers, data. We're very data driven. Yeah.

37:59Look at me. I got glasses. Okay. Very data driven. There are companies that still will not touch us just because they don't see the vision in it. Okay, sure. And the size is massive. And we have all the data and the numbers. So when you talk about 2 ,500 followers. Yeah. With 1 ,000 or 2 ,000 reels of you. Yes. Reels. Would you say that's because of your numbers or because of your niche and audience base? Less on that. To me, I mean, it's always the hope of a return on investment from a brand deal. Of course. Yeah. Okay. Yeah. That's exactly what it's about. Their goal is to, at the minimum, break even.

38:41Okay. Of course, you can exceed their expectations and make them a shit ton of money. We have partners that we have made a shit ton of money. Yeah. When you're getting 1 ,000 views per reel, let's say that you even put something small on there or even your story. What's like an average story view for you? Average story? What, like? Like if you post something on your Instagram story. Views of the story guy. Social media guy. Come on. Story views. Yeah, my stories, I'm getting like 50 views. Okay. Yeah. Still pretty low right now. Most companies are going to have you do like a three-story click on your Instagram story.

39:11They're going to have you do some sort of TikTok integration, some sort of YouTube integration. Your YouTube's not big enough. I don't think your TikTok's big enough. I don't think he has them. I actually haven't been focusing on that yet. Those are the ones that make money, by the way. Just going to throw that out. YouTube, I mean, yeah. When I started doing like any type of content creation, I started with YouTube. Like I said, I did that for about a year. Okay. So he might get affiliates. the affiliates that everyone can sign up for. Yes. These aren't ground changing earth shattering affiliates.

39:41These are just anybody can sign up for this. Okay. And you'd be lucky to get, you know, five, 10, maybe 15 bucks out of an affiliate deal. But if you're getting 50 views on your story per average, I think he's on his way to make about 50 to a hundred dollars a month. If you're lucky. I think that's your income is 50 to a hundred dollars a month. See, My problem is that I did freelance videography for about five years and I was able to make income by offering my services to local businesses as well. Well, sure. Yeah. Great. Good grind. And that's good. But remember, it's going to pay dramatically less in Mexico.

40:17Okay, sure. So then I need to have more clients as well as I need to keep on expanding. Sure. I guess you can work 24 hours a day, seven days, 365 days a year. You got to hustle. Try to make up for it. Yes, but it's still not going to equate to the same amount, especially in an expensive city like Mexico City. I don't know, man. I'm not taking this discouragement right now. No, we're not here to discourage you. We're here to real world because you're about to blow up your life in five months. I will tell you something. Sure. There's a creator that I know because I'm very much in this world, a creator with 50 ,000 followers on Instagram, which is not a lot in the creator world.

40:52Like if that is your job and that is your prime source of income, it's still not a massive following. We almost have a million on Instagram. We don't do Instagram deals, but what have we been offered? Do you want me to disclose those numbers? We can either cut it or not. Like when I sell something on your Instagram or something on your TikTok, it's like a lot of money. For like one post. That's juicy. Okay, well, I didn't know that. For like one post. And we've done it before. We've done it a lot. But there's an influencer that I know that has$50 ,000. They were lucky enough that a company was willing to take the gamble on them for$2 ,500.

41:28That was one time. That was one time. That's at 50 ,000 getting a couple hundred thousand views on their reels. But at 2 ,500 followers and 50 views on a story, I mean, buddy, those are peanuts. Sounds like a per-follower views is about a billion trillion smackaroos. By the math he said. So you will be at? I can recognize that right now the numbers are pretty low. It's going to take some time. It's going to take a lot of work. Five months is not a lot of time. Your brand deal will be$104. To performance levels. $104. If it means having to live a whole lot more simple. It's not just about living simple.

42:16Mexico City isn't simple. Okay. What do you mean? We just pulled up the numbers of what it takes to live there. Okay, yeah. It's like similar to how I'm living right now. I'm trying to make you not blow up your entire life. Okay. This isn't about discouraging you. You might be able to build this up. Yeah. But not in the way that you are thinking. In the time frame you are allowing yourself. So I need to give myself more time? As a starter and pay off your debt first and have a fully funded emergency fund before you even consider this. and even understand the visa and work permit processes. That's definitely one thing I really need to prioritize.

42:55Oh, yeah, in five months. Oh, actually, never mind. I got the answer. Hey, Brandon, guess what? I got the answer of how he's actually doing it. Okay, good. He borrows money from mom and dad currently. Oh, and the in-laws currently. I did that one time. Great, great, great. And when did I borrow money from my in-laws? I don't know. This is what I forgot. No, no, no, no, no. I didn't borrow money from them. The car. When we initially, my parents, helped me with money when we were moving from New York, as well as when I bought a car. And now you're moving in an even more expensive move. It will be a pretty expensive move given that it is international.

43:32Yes, that's what I'm saying. And you had to borrow to move in national. Local. A little bit. Yeah, I borrowed$1 ,000. It's borrowing money. It's just showing that you cannot do it yourself. uh i mean that's why i'm in this situation now that i i'm over twenty thousand dollars a lot of money yeah no one's combating that i'm saying you're trying to do this again but more expensive in five months but you have less money than before okay so i need to make more money and i might need to give myself more time dude if we were on a two to three year track yes i would say make more money you're talking about doing this in like a quarter and a half okay we You can't have the conversation about like if this would be like a year, two years from now.

44:18Of course we could, but you said you're doing it in five. That's shit. But you and your fiance are expecting. That would be ideal. That's when our lease is ending. So when that happens, it's either that we re-sign and we have to give ourselves a whole other year or, you know, this starts a whole other conversation. Okay. All right, Brandon. We'll send you away. This is the situation. Thank you for your time. Absolutely, buddy. Let's get into these numbers. What do you think your financial score in America? Half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and three 40 B hospitals drive up costs.

44:55Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. Is 0 to 10, 0 being the worst, 10 being the best? 1.8. Okay, that's not how that works, but that's okay. That's the score that you gave me already, Caleb. Oh, the website? Well, it rounds up to two. Okay, so you're a two. Oh, okay. Maybe, we'll see. Maybe, it might be a one. If you want that score, take the assessment for free at calebhammer.com.

45:34Figure out where you are in the world of money, where you can do better, where you're already doing great, where you need to improve, all that good stuff. It is free at Calebhammer.com. And make sure you sign up for my favorite budgeting app. Financial audit is powered by DollarWise. All you got to do is sign up for the free trial. And if you like it, take the annual version to save a lot of money. And I will send you my cup, my, and I will send you my, and I will send you, what the f***? And I'll send you the budget cup. And I'll send you my budget friendly cookbook signed by me mailed directly to you.

46:08Check that out. It's fun. DollarWise.com to learn more. By the way, I will say this. If anyone's ever had DollarWise out there and you had issues, fair enough. We had outside contractors. They sucked. We fired them. I built an internal team. And the day before I filmed this episode, which is many weeks before you see this, we launched 4.0 and every single bug anyone has ever been complained about has been completely fixed and the app is now top of the market. Go check it out. It's very exciting. You know I get better than Rocket Money? I love the internal team. Huh? I don't know if you ever like compare dollar wise to Rocket Money.

46:45Yeah. Believe it or not, my business internal team that I've spent hundreds of thousands of dollars to build out does product market research. Okay. Sounds great. Just try it out. I've been using Rocket Money. I hope it's better. Yes. Much less cluttered, much easier to use. Yes, yes, yes. Sounds great. Sounds great. Okay, big guy. Venture, what is going on? Like, what are we spending it on? What's going on with the card? I don't know, buddy. You tell me. I don't know you. Okay. All right. The card is my current highest balance. It's mainly been used for travel. Why? Why are you traveling so much?

47:16Is that your influencer bullshit? That's part of it. That's also - You're doing cars. Okay. My fiance and I love to travel. It's part of our lifestyle. But that's not an influencer. Well, I think she can be a travel influencer. Is she trying to be? She. Then f*** you. We've had conversations about her being a travel vlogger. She's a great writer. Oh, guys, they've had conversations. Vlogging. It's 2018. 2017 YouTube. Having a travel blog. She's a writer. Blog. She's a writer. Okay, we're going back to 2008. People subscribe to Substack. Yes, people subscribe to Substack. Hey, maybe if she's lucky, she'll get$100 in affiliates too.

47:54That could be great. Sorry. We can work as a team. Sorry. It's just like where you guys are trying to. I would love everyone that wants to be a creator to be a creator. I cheer for it. You're just going in such an optimistic worldview way that's unrealistic and unintentional with what you're trying to do. I mean, how else are we supposed to look at it? We need to be at least a little bit delusional to even go for the dream, right? No, you got to lock down, put realistic goals and grind, grind, grind to get to every goal along the way to get to the ultimate goal. I think there's a balance of both.

48:24Instead, you're just like, oh, that's going to happen. You need to talk about blogging. Let's be honest, your bank saving account is probably doing less than your expired gym membership. The national average saving rate is like 0.39 % APY. That is basically your money taking a nap. But with today's sponsor, Chime, you can earn 3.75 % APY on a high-yield savings account that is over nine times the national average. And let's break that down. $5 ,000 in a regular savings account might get you$20 in interest a year. With Chime, that's close to$188. That's enough for noise-canceling headphones or two tanks of gas, depending on how things are going.

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49:35Wonderful. Yeah. It's what we mainly be using. But you missed the payment! You were behind! Minimum monthly payment's$1 ,256! I can explain that. We have a balance of$7 ,879.62 with interest charging of$186.67. Yeah. Go ahead and explain it. So, yeah, the situation sucks. I was looking into options to save money on interest. I wanted to look at potential, see what loans I could qualify for. I'll save money. Don't travel. Okay. First of all, this has been a huge investment for our knowledge, for our lifestyle. You know what an investment is? Oh, my. Dude, I don't have any student loan debt. So instead, what?

50:20And even, yeah, yeah.

50:24Oh, no. Guys, he doesn't have a 4 % subsidized federal student loan with lots of protections to get a return on investment from his degree. Instead, he has 30 % credit card debt. Okay. What? All right. What are you bragging about? I'm bragging about the fact that, like, at least, I mean, I don't know. I can go bankrupt, and I still wouldn't be stuck with that debt. He has student loans. He is so forgiving. federal it would have been a lot more money people are people are are you think what i would have suggested is go to college for four years and borrow whatever it takes to get whatever degree you want or travel to anywhere you want and put it all on credit cards do you think those are the two options i would have provided i why are you why are you complaining those as the options i'm not okay it's because i'm saying that it was an investment on knowledge knowledge what knowledge How much did you get?

51:15The wheels go up this far into takeoff. It's, I mean, a lot of people don't get the experience of traveling the world. What's your knowledge? What did you gain that you're able to apply for a higher income? Making definitely probably just about the median in Miami. I think that, look, I think that the experience we've got traveling. The experience, sure. Is very valuable. And yeah, I think it's valuable in which way and how it was a fun memories. Sure. And how we want to live the rest of our lives, bro. And that's not going to be here. I don't want to raise my kids in the suburbs. Then move to not the suburbs.

52:03You can be downtown Austin. You can be downtown Miami. You can be New York. New York is the closest thing. It is. Chicago is pretty good, too. San Francisco. Yeah, I spent some time there too. I love Chicago. San Francisco's walkable. Portland's very walkable. Many parts of Seattle are walkable. I'm not. I'm not saying we don't have it. I'm not saying it's perfect. And I much prefer. Yeah, yeah. I much prefer how communities are built in Europe. I do agree. They're much more human focused. Yeah, so that's the value. But you said you were getting education and a lot of shit from all. What are you talking about?

52:35In terms of, dude, drop your little person down in Google Maps and you can tell somewhere it's walkable. You don't need to be traveling the entire world. is actually going there and experiencing. It's not the same, but you can tell what is walkable and what's not. It's not the same as culturing yourself. No, but you're culturing yourself, but you're saying you're getting all this value, all this education. You were trying to conflate it with borrowing for student loans. Buddy, you learned somewhere was walkable. Whoa, and they spoke a different language. Yippee, great. Buddy, you could have figured out where you wanted to move relatively with some decent research and then practice going to one place if that was the highest research place that lined with what you wanted to do.

53:10I don't know. I'm glad. You're excusing and coping with you wanting to see the world with getting a ton of value from it. You had fun. You had good memories. I'm not discounting that. But you're trying to conflate it with something so much more. You're trying to justify and cope the out of this.

53:26Why'd you move from New York then? By the way, if that's what you want, because that's where you would want to be. Well, we wanted to spend some time closer to family because we know we want to. We've known for some time now that we want to be out of the country. Three, maybe? From New York. Yeah. I mean, yeah, but I'm still seeing family a whole lot more often now that I'm in Florida rather than being in New York. Okay, well, that's good. And so we want to move further away. Something tells me Europe is far. Yeah, so that was the point. That's the point. If you're going to listen to me for a second is that we decided to move to Florida for some time so we can get some time with family before we decide, hey, we're going to move to another side of the world.

54:05We're not going to have the same level of access. But why not back to New York then? I would I'm moving to New York that's great I'm so excited for you guys yeah I heard about that that's awesome not for the taxes or finance let me tell you people always ask about that it's literally just the walkability yeah I bet it'll be for the lifestyle I think it's worth it yeah when people value that some people don't some people yeah okay it doesn't matter why not go back there because at least you could do what you're doing here I man I would consider moving back to New York I felt like if we didn't leave New York, we were never going to.

54:42I think that's what's going to happen. You know the education they did, by the way, in order to figure out what walkable city they wanted to move to? A 34-day backpacking trip in northern Africa. What, you're talking about when we went to Morocco? Yes, that is in northern Africa. Yeah. Well, yeah, we went to, we were in Morocco. We went to Paris. You were considering moving to Morocco. I'm not considering moving to Morocco. Then why did we go there? I thought this was the entire point. This was, you were trying to justify a girl trip. It was a part of you having fun and blowing money you didn't have.

55:10And that's all it is. We wanted to spend a month. You learned that some cities can have all their buildings be blue. Yippee! Okay. I mean. It's cool. Okay. This could also be a very good experience if she wants to be a travel blogger. This is, you know, investing into. How much did the Moroccan trip cost? In Morocco? I mean, you want the price for the whole trip altogether? Sure. How much was the trip? The whole trip, it was around 8 ,000. Good. So with her travel vlogging with the commission, she's likely going to get similar to you. 8 ,000. Let's see here. Okay. She needs to get about 80 sponsorships if she's averaging a couple a month.

55:52You know, we're talking about three and a half years just to make that up. And I'm sure in order to do the vlog, she's going to need to travel quite a few more times in that time period. Okay, sure. This is also assuming very small performance numbers. Let me guess. You guys are getting married, and I know people like you travel. You probably needed like a dream wedding destination, dream honeymoon too. We want to have a small wedding, but we do want to have a destination wedding. Yeah. Yeah. You guessed it. Yeah. I sure did. Yeah. And where is that going to be? Do you know? Probably Morocco or Portugal.

56:31Yeah. Are they going to be happy seeing her ankles? She'll be wearing a dress. Also, it would be in a private location. Have you been to Morocco? No, one of my employees is from there, though, so we love to joke about Morocco. Oh, that's funny. It's a great place, man. You should check it out. No, it's good. I actually really want to go. I make fun of jokes of all cultures. Doesn't mean I hate the culture. I make fun of Americans, too.

56:58Don't think I'm racist against Moroccans. I make fun of everyone. That's the fun of living in this world. Oh, Gray, and you just came back from Columbia for a wedding. No, my fuck, dude. We were in Columbia earlier this year for a wedding, yeah. What the fuck are we doing? Yeah, her cousin was getting married. You haven't, there's, you're coped for doing all these things. They're insane. All right, Capital Venture, yes. Total fees,$290. We've been late plenty of times this year so far on this. Yeah. That's great. I was, uh, we're over the limit by$879. I was trying to enlist the help of a credit consolidation agency.

57:38Why would you do that? Yeah, it was kind of dumb. I agree. Why would you do that? That was dumb. I was, like I said, I was looking for options, um, to save money on interest, trying to see where I can pull money from or what were my options as far as like what I can qualify to borrow money. Why not make your payments while you're still doing that? Uh, so that, that's what was sketchy about it. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. Or, let's do a little research.

58:19Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart.

58:46I did that for only$1 ,700.

58:55Put the normal monthly payment at about$125 ,000 because obviously you have to catch up with the$1 ,256. Oh, yeah. It's fucking crazy. $40 ,000 the late fee. So you've had, okay, three late fees this year so far probably. Just about. That's insane. Just on that card alone. And you're right. I mean, I don't see any spending on this because you were traveling your dick off, but it's well above the credit limit now. So I wouldn't be able to see any spending on this. I haven't used it in a while. You can't. I can't. Yeah, I haven't been able to. You can't. Not that I would. This is what we got. Once they got together, they're just endlessly traveling at least a dozen cities in a few countries constantly.

59:34It's been pretty great. Going to Puerto Rico's aunt's wedding cost$2 ,000. Dominican Republic for a week to see family,$2 ,000. Went to California for a week,$2 ,000. Went a cruise from Barcelona to Italy and what is it, Ibiza? Ibiza, yeah. Ibiza,$6 ,000. Oh, yeah, she'd do that, too. Going to Chicago, 34-day trip across Northern Africa and Europe. Croatia, Rome, Florence, Milan, Barcelona, Morocco, Portugal, London, Paris,$8 ,500. We have lost a contest on all that, too. Went to the Eiffel Tower, went to the proposal, spending all their money in the f***ing world. The inner dream destination, back to Morocco.

1:00:11Oh, my goodness. And then we're going to go on a nice little honeymoon. I want you to travel. I want you to do all these things. I want everyone to do these things. Don't think I'm evil, saying I'm not wanting you to do it. I want you to do it in a financially healthy place so you don't f*** your entire life. Yeah, it's in a pretty bad situation right now, and that's a big part of the reason. I mean, your credit score is 513. It's pretty bad. It's the lowest I've ever been. Pretty bad? That's insane. That's one of the—that's like on the bad, bad, bad scale. That's not even close. It really dropped that low within the last year or two.

1:00:43You're over maxed out, dick! Yes, because you're over maxed out. Yeah. I'll let you use the Fizz card. It's a debit card that builds credit. I'll see if they actually even let you have it. I'm sure they will, but what the... I also get... If you ever have to switch careers when you move somewhere, I'll get you a course career certification. A lot of people in our audience and our guests have done it, and they've boosted their resumes and their income a lot. So get those. It's a certification in whatever field you want. A lot of them focus on trades or tech for course careers, but it's free for you because you're a guest on the show.

1:01:14Thanks to them. All right. Well, I have a few certifications, but it'd be great to get more. Get more. Yeah. Discover it. Tell me. What's going on? So the Discover card, what was I using? I mean, I will say one thing. I had a bit of a failing business.

1:01:41So I was. Tell me. Tell me all about it. Because this will be very important to know as you're talking about scaling this new business. Yeah, yeah. So I started reselling sneakers back right before COVID. And I was getting some profit there. Oh, yeah. Yeah. And, of course, I was also just kind of buying some sneakers from my own collection. Oh. Like the ones I'm wearing today. Oh, good. You look like. No, they don't. You just don't have tastes. You drive a Tesla. Anyway. What does that even mean? It means that you're a normie. It's a car you could never afford. I wouldn't want that car. But you could never afford it.

1:02:24I'm sure I could eventually afford it. Not today, not tomorrow. Not the track you're going on, big guy. All right, man. I'm 26. I got a whole lot of life ahead of me. It's worth your debt times four. I got a whole lot of life ahead of me and a lot of abilities to learn and adapt and skills that I'm already carrying with me. Learning like you did going to Morocco? Yeah, man. I picked up a little bit of Arabic. Great. great. Now you can do customer service. I don't know. Like, what do you want? What am I supposed to do? No, but anyway, more so I, I was reselling sneakers. I decided I also wanted to start a clothing brand like every Gen Z person decides to do.

1:03:05So I, you know, I took my graphic design skills, build it up a little bit more and, you know, invested in some inventory and websites and, And pop-ups. So I was in New York City. So I was popping up in various parts of the city selling clothes and sneakers. Definitely not a competitive clothes market at all in New York. Yeah, no. I mean, people buy, but people also sell. So, yeah. Did you – what was the failing business? You brought up this car, failing business. You went into debt for the business? I went into debt for the business. There it is. Okay. So you never made an actual money net. No, no.

1:03:43Or at least – How long were you trying to do this? Just like he's trying to do his current thing. that that wasn't long maybe six to eight months how much that did you go into for six to eight months of this i mean just that was at least two thousand dollars dude

1:04:01I just don't know why did you go into debt for instead of try to close instead of cash flow it That's a good question. It was a matter of me investing into a product I had to have made overseas because it was actually cheaper to do that rather than having it made in New York for obvious reasons. I was mainly making products that were just made to order. So I didn't have to invest into any inventory. I was doing that for a while and I got a couple of sales, but I didn't like what I was making. Have you ever taken an entrepreneur class? I actually did study some entrepreneurship when I was in college.

1:04:38I knew he took one of the bulls. Oh, in college. Okay. Yeah, in college. No, no, I didn't buy a course on entrepreneurship. Okay, because most of them are bullshit. We have educational products, but at least they're top rated in the industry. I don't trust buying courses. I've almost gotten ripped into that. There are some good ones out there. It's just like 95 % suck. Yeah, no, a lot of them suck. So I just kind of avoid them and kind of mostly just opt for, you know, YouTube University and try to keep up with. Still lots of shit to sort through. Oh, of course. Yeah, definitely still a lot. Um, but you still buy sneakers and do all this.

1:05:08I haven't. No, I haven't done that in a while. Okay. Colton's telling me he still buys sneakers. I mean, well, I mean, well, the last pair of sneakers I bought was over a year ago. Okay. I, yeah, I spent like, I spent 400 bucks on them. There were Jordans for me and her matching pairs, but yeah, that was over a year ago. How romantic. Okay. $5 ,863.60 on the Discover card. $96 of interest accruing and$55. Minimally payment$118. This episode is brought to you by Amazon Prime. Black Friday game day on Prime is an epic day of live sports. It all starts at 9 a.m. Eastern with a Capital One Skins game.

1:05:53Then, Black Friday football returns when the Bears take on the Eagles at 3 p.m. and it culminates with the final night of emirates nba cup group play with bucks nicks at 7 p.m and mavs lakers at 10 p.m black friday game day only on prime three years to pay this off by the way if you do minimum payments only without purchasing but guess what oh we purchase oh baby we purchase eight dollars and four cents a purchase and why the are we purchasing on a card when we have other cards maxed out and it takes your entire lifetime so far essentially to pay it off. I mean, I definitely avoid using that card whenever I can.

1:06:30Which is why he spent$80 on it. Yeah, I mean, I must have... What's your avoid? Because the other one was incapable to spend on because you pushed it well beyond max, so you had to spend it on this? No. Is that what avoiding is? It's that I use my debit card to pay for things now because I can't use my credit cards. And if I run out of money and I need things like gas for my car... Okay, payroll is$3 ,404 that came in last month. How much did you spend? This includes some interest going up because that adds to the credit card balances. But how much went out? We know inflow. How much was outflow?

1:07:01In August, I spent over$2 ,200. In July, I spent over$3 ,000. Okay, full outflow in the month that we're looking at was$4 ,436. That had to have been in June or July. Whatever month we're looking at, big guy. Yeah. This credit card statement is showing July through August. It's half July, half August. Okay. Yeah. Yeah. Okay. Yeah. Okay. It was in June. Okay. Yeah. July. July. Yeah. I spent some money in July and August, July and August. Spend some money. What was I spend some money? I spent some money. On what? Delaying the thing you want to do in five months or six months from then. What did I spend money on in that time?

1:07:47What did you spend money on in that time? Um

1:07:52I mean Let's find out You got some gas You got some parking You got some parking And then you spent $31.80 At Graphica Sauna What? Graphica Sauna I Graphica Sauna Graphics It's travel entertainment Business of some kind Graphica Sauna $31.80 I'll be honest I don't Remember what that is You got four purchases on this card. Gas, two parking, and then this. You don't know what this is after four purchases. $31.80. How much? $30.81. $31.80. $30.81. What day? The third of last month. The third of last month. $30. $31.80. Uh-huh. Oh, yeah. It had to have been something... Guys, by the way, we've had approximately four late fees on this card this year so far?

1:08:48This is still the Venture card? Discover it. Discover it. I've had that many late fees on that card. Oh, you sure have, big guy. Oh, you sure have. Yeah. I did not expect that for that card. Oh. I knew for the Venture. Oh, sure. And the other Capital One card, but not that one. Oh, good. There's more coming. Wonderful. You sure did. I can't recall exactly what that was. I know that in August and really just in general, we've been driving a lot back and forth to Tampa because that's where my parents live. When we do that, we spend a lot of money on gas. We might buy a gift. I can't recall exactly what that was, but it could have had something to do with that.

1:09:34What in this city are you? I thought you said you were like Arabic earlier, but then you said you're Hispanic. No, I'm not. People mistake me for being Arabic. I'm Hispanic. My parents are Dominican. Okay. 20 % interested on this thing, buddy. Almost$700 in interest this year so far on this card alone. It's pretty bad. What was it on the last card? On the last card, it was this year alone. $1 ,200. So now we're up to$2 ,000 this year so far on interest. This year so far. This is why I was looking into options to save money on interest. But it's not about that because you would have f***ed it if you consolidated.

1:10:10If you consolidated, big guy, not the debt for, like, forgiveness. If you did a consolidation loan, given access to more money to spend on these cards without changing your behavior first, you would have racked it up again. Well, that's why I'm trying to change my behavior now. I know. I'm just saying I'm glad you didn't because you would have f***ed it. Yeah. Changing your behavior now, we'll see. I mean, a week before coming on the show doesn't really count to me. But yes. Yes. Okay. With your fiance, even, she's the one with money. What's your guys' relationship with money with each other? We already know what you like, that hitting thing.

1:10:42But beyond that, what is this relationship looking like financially? Um, I mean, I'm not sure how to explain it aside from I've, I've really been the one that would do a lot more spending between like wanting to take her out, but also spending money on myself, where she's been a whole lot better about budgeting, saving. Okay. Yeah. How's that going to link up when it comes to marriage? If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people.

1:11:30And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC, supply chain, and many others that can be done remotely. And the coolest part about Course Careers is their platform works for people who don't have any previous experience or degrees.

1:12:04Their courses teach you everything you need to know to land your first entry-level job. And they have a 100 % free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. I need to change my habits. I need to... What habits? What has she gotten pissed about? The other thing was that when I got my current job, it's pretty far from where we live in Miami, so I needed to get a car. And the dealership was offering me a pretty good deal on a car.

1:12:39The dealership you worked for? Yeah. You got a good deal? Oh, fuck. You got sold by the sales. Yeah. Based on what I was looking at, they were giving me a trade-in car. You damn marketed yourself. All right. Keep going. Tell me about it. It was still a bad idea because I was giving myself a car payment. I was desperate. I wanted to get a car. I had been taking the bus for a month at that point, taking Ubers. Then you can do another month and save up. Come on, walkable city guy. You're supposed to love public transportation. Yeah, but the public transit in Miami is bullshit. Yeah, but they got things that other cities don't have still.

1:13:16Sure. I was getting fed up with it. I was already looking into options for buying a car, and this seemed like a better option. um so my parents and her helped me put together the down payment on the car what does that mean it means that I didn't have enough money to put the down payment on the car myself came together and pulled money together they for you they pulled money for me to get the down payment on the car we put$3 ,000 down on the car and I was handling the payments the insurance, the gas in the car I was paying it for a couple months but it was a lot of money like the car payment was about$350 insurance was like another over$200 the car wasn't great on gas, it was an SUV so I was paying well over like $700 a month on this car bull and she I mean she didn't like the idea of getting that car in the first place.

1:14:17I did you. I, I. She's the one that at least knows what she's doing. Yeah, I, I wanted to get a car. I was convincing her that it didn't look like there were many other cars at this quality, like at this quality. Why the fuck you care about quality? Dude, you're just trying to get. No, I'm talking about like the mileage on it. There's going to be like a reliable car that it wasn't going to cost. How much was it? What, the miles? Or how much was the car? The car was 12 ,500. It's not the worst. Why was she so vehemently against it? Because that's about where I would have advocated for. I would have tried to get closer to about 10.

1:14:51Yeah. But what was wrong? It wasn't an outrageous amount of money for a car. Well, there was the fact that you should have. It was more than what I could afford. It was more than you could afford, which is why you should have been doing public transportation for another month, saved up some money, maybe another two months, saved up some money, and put a chunky down payment down on it, about 20%. But the problem, too, was that I still had a car payment, and the insurance was high on it because it was a luxury car. I didn't necessarily want to buy a luxury car, but it was more expensive to buy a Japanese car.

1:15:19A bit. I mean, it wasn't like one of the worst fights, but it was difficult to, yeah, come to a compromise about it. And even after buying the car, she was happy that we got it, but she was still unhappy about the financial situation behind it, that I wasn't able to pay for it up front. I wasn't able to pay. Is she not embarrassed on behalf of like, well, I guess herself to her parents? Her parents. Come on, you're going to be their son-in-law. Yeah. Look what they had to do. Well, it wasn't her parents. It was my parents to help pay. But they've stepped in, right? They haven't, not with money.

1:16:00They have helped us in the sense that when we first moved to Miami, we were living with them for a few months before we'd found our place. so we uh so yeah the four of us were living you're not embarrassed to your parents um that they had to work with their future step no yeah no i i am i am embarrassed about that i didn't want i initially didn't want to move into them but move in move in with them but it was we we decided we were gonna live with them for a few months save up money and get our own place and we were able to do that that's that was a win yeah it's a win yeah um were you guys in a position where you should have yet because it's okay to be home for a second where you're getting yourself on your feet it's better to set yourself up for success as long as you're not being enabled i mean i'm only against when people are enabled sure i mean we haven't fell back on rent at any point we've been able to handle the housing situation just fine as far as bills and utilities um i i actually do cover some of that um we split rent in half and i typically will pay for internet and how big is your apartment and electric we share a like a decent size studio apartment about 700 square feet yeah yeah so the studio apartment we pay 1800 a month um it's a good if you just got engaged here by the way that probably means you got a ring uh i did get a ring um it's it's a funny situation with the ring so the first hilarious i i got i got her a ring um for the engagement and it was what i could afford at the time it was like just 300 maybe 350 it wasn't like a crazy ring i got her something different that she would appreciate just got her like a gold band um and i wanted to get her an emerald because she's columbian and that's where emeralds are from um okay and she wanted something different um but i knew i eventually wanted to upgrade her ring it's like an iphone okay uh i should tell her that uh um her how much is that gonna cost What, the new ring?

1:17:57Yeah. The new ring is valued close to$8 ,000. Oh, f***ing s*** on me, dude. No, but look, it's in the family already. It belongs to the grandmother. Her grandmother has the ring. She's had it for a long time. Is she alive? She's alive. Are we waiting for her to not be? No, we're going to give her money in parts. Is that her wedding ring? No, her grandmother is not married anymore, and this is not her. But was it her wedding? No, no, I don't think so. She would have told me, I think. Huh? No. So she's down for this? She's down for this. How much are you going to pay? It's funny that she's charging you, but.

1:18:41So, I mean, she doesn't want to pay me the full price. She wants some money up front because she's also going on a trip. To heaven or hell? No, she's doing great, man. I'm kidding. Uh, shit. No, I want to pay her$800 up front by the end of this month. Um, and... How are you putting that into where you spend more than you make? That doesn't make any sense. You're behind on two credit card payments, one that we're about to talk about. Well, in the last... How do you do that? In the last month, I spent less than what I made. I have until mid last month. These statements go through mid last month, dick.

1:19:21Dick, well, Dick, I've been doing my own budgeting too. And I don't trust your budget. You're not a reliable source. Look at the financial situation you got yourself in. That means nothing. Okay. All right. Sure. Yeah. We literally have your documents and we put it into a spreadsheet and we got all the numbers. Spent hours on it. I don't care what your budgeting has done. Okay. All right. Who knows what you've linked and not linked? Okay. Capital One. So we got to get$800 by the end of this month. How much do you owe after that? Because you said down. Yeah. So after that, I mean, she didn't give me an exact number.

1:19:53I think she was talking about somewhere around 3 ,000. After or with the eight? No, with the total. Yeah. It was probably less. She wanted to, she was like really pushing that like this is a gift. She wants some money for it because it's so valuable. She's there for such a long time. And I want to respect that. And yeah, give her some money for it. if it means like paying her a little bit of money month to month, helping her live the way she wants to. Okay. All right. Capital One,$5 ,817.79. Shocker. Completely behind. Yeah. So that one. And over the limit by$870.79. That one we used in the process of moving.

1:20:38When? When did you move? From New York to Miami. When was the? Yes. I asked where when I said when. Just over a year ago. Okay. So why the fuck is it behind just over a year later? Because it was already pretty high. Why is it behind? Why aren't you making your minimums? Your minimums are probably$125. I was behind because, like I said, the whole credit consolidation thing. They were trying to work with Capital One. But you didn't do that with the Discover. No, I was still paying the Discover. I was late a couple times, but I was still paying the Discover. Oh, right now is$1 ,044. It's probably a normal$125 minimum to payment.

1:21:13That's what we'll calculate into the budget. But we've got to catch up, obviously. And that's more important than the f***. Your grandma's going to have the ring, so you don't have to do that this month. Because you already proposed and everything. 21 years to pay this off, minimum monthly payments only without any purchases. Good luck with that not any purchases thing. This is at a 30 % interest rate of death. We're talking about four missed payments this year so far, four late payments. In fact, these missed payments, that's probably what's... You've had missed, missed, missed payments, and that's what's hitting your credit.

1:21:41That was part of the whole credit consolidation situation. Oh, your credit. And then about$1 ,000 in interest this year so far. So what are we at? $3 ,000? No, no. Yeah,$3 ,000 this year so far in interest gone. It's an entire month's income for you. You've lost a month's income just on these three credit cards alone this year. Yeah. And you want to move to another country? You want to make a living off$100 a month in affiliate marketing? Okay. Trying to make way more than that in affiliate marketing. I know you want to. Want to isn't actually what happens though. And I'm just talking real world.

1:22:14because it would be a disservice to be like, yes, I hope you do too. Go ahead. It's like, I'm realistic about your numbers. Yeah. No, yeah, for sure. I hope you do well. I hope you blow up. Car market's not like the biggest market in the world. Some of the top creators have like a million followers. Sure. So it's like, it's still, you can do well there, but it's also very saturated already. The car, you would have to bring something that really shakes it up. Because I talk about this story here and there. This is not to jerk myself off. I want to be very clear. I'm just, I'm applying my situation to you.

1:22:43The thing is, no big finance creators were just all of a sudden blowing up and starting new things. Because the finance industry was pretty set. Dave Ramsey doing some phone calls. Graham Stephan, Andre Zik, you know, other people like that talking to the camera. I'm sure you did. That was the industry. People weren't breaking in. We, you know, had this entire thing that came in and it was very different and it put a little in the industry. And, you know, we were able to be one of the first channels to really break into the industry in a long time. It's the same thing with cars. The car market industry is very saturated, very solidified.

1:23:19You will need something completely different that has not been done before to really break in unless people just really ultra vibe with you and the algorithm just blesses you. But that is a rarity. For sure. I didn't see anything on there that's like blowing my mind. Wow. Wow. This hasn't been done before. No. I mean, it's niche in the sense that it's the classic car market. That's a bit more niche than just. Which is getting you an even smaller market base. That is. Yeah. Okay. Yes. That's not an insult. That's a reality. No, yeah. It is a small market. It is niche, but I don't know. It's still a pretty big community.

1:23:55There are a lot of other creators that are specifically more so and classic cars that have only been doing it so long. So I still don't understand your plan to break out. Right now, I've been focusing on what's available in South Florida. There's a whole niche community on that. But if you're moving, then how are we getting it? How's the South Florida one going to make sense when you're in Mexico? That part doesn't make sense. But what does make sense that I ultimately want to do is find homes, second homes for these classic cars, give them second life, you know, cars that have been on the road for 50, 40, 30 years.

1:24:42So that's the business, not the influence, not brand deals. But that's part of it because you have to drive traffic for any business. Right. So you do. But that's different than influencer. That's marketing. That's not being an influencer. That's marketing. Sure. Sure, you can mix both. But what you're talking about is strictly marketing for a business you're trying to have. Also, if you're building these businesses, if this is the business, it's about building up a local group, connections, whatnot. But it sounds like you're going to be everywhere. It sounds like you don't even know where you want to go.

1:25:11I mean, I feel like this is something that I can take almost anywhere. One, with my skills of being able to market it with my skills in just videography, photography, what have you, especially in the automotive space. and also that there are old cars all over the planet, whether they're in Mexico City or in Barcelona. Yeah, but it's about connections being built up too. Yeah, I mean, but there's already online marketplaces where people sell these, so I can find owners in different parts of the world anyway. That's the whole point is if I can find owners. I want to find a way for you to break out in your niche, and I feel like there's not a strategy here.

1:25:45What's your, oh, I have old cars. Okay, good. What's the breakout strategy in the niche? Again, I gave you my example. I think people who are already... When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else?

1:26:23So you have money to even do that? Well, no, because I'm not the one who's buying. I'd be a part of selling, right? Because I'd be meeting with the people who already own these cars and using my platform in order to find buyers. So you have to market to the people that want to sell their car first, and then you have to market to the people that want to buy the car of the person you marketed to sell the car. So you have to market to two different groups. That's where the necessity of influence is. Okay. And that's also where it's different because I think... But you're in a localized group, right?

1:26:56Right now, yeah. Right now I'm in a localized group, yes. Okay. Yeah, so... And what's the metrics of the 2 ,500 people? Are they all in Miami? So, that's the funny thing is that not all of them are. A lot of them are in Europe and Latin America. Europe and Latin America, Rhett. Hmm? What's the percentage in Miami? The percentage? I can't give you an exact percentage. Dude. But there'll be some data I'd have to look at. You don't have this. I thought you said you were into your data. You know your data. You know your numbers. You know your people. You know your growth rate. But if it's all about making money in the local area, this doesn't make sense.

1:27:34So far, I've been just focused on developing the community, building a following, finding people who are passionate about this, both locally and online. That's what I've been focused on is how do I build this community? How do I engage with them further? Because this is my most recent attempt. I would argue my first attempt at really being any type of influencer. Sure, I did YouTube when I was in high school in college. Yeah, we already talked about you. Okay. Well, college. College just happened for you. Okay. So we have a freedom card. Yeah. $2 ,716.31. Minimum of the payment,$91. You're purchasing$179.79.

1:28:13Why are you purchasing on a car that you're not paying off that is accruing interest? Let's see. $64, 39 cents of interest accrued. I've been, that's been the card that I've been reaching for in the event that I don't have money in my bank account. Why would you not have money in your checking account? We saw your bullshitting spending. It was hundreds of dollars. There's been some spending on bullshitting. Sometimes I haven't, there are needs, like I've had to pay for maintenance on my current car. But it's basically maxed out. It takes 11 years to pay off if you don't even purchase and you make your minimums only.

1:28:42and we know you like to purchase. I've been spending here. This is Chick-fil-A, Cafe, Cafe, Jitsu, Ginky, McDonald's, Cafe, Chick-fil-A, CSCSW, Cafe, CSCSW. Okay, laundry's okay. The CFCSW? Yeah, yeah. You don't have a laundry machine? No, it's in my building. Okay, that's okay. Yeah. Going in to get in some bulls**t. B2 Cafe. Special treats. Going in to get in some bulls**t. I've had the bad habit of getting some bulls**t and eating out. Yeah, no s**t. You have a bad habit, but your goal is to move. And I've been cutting back on that. You don't even know where you want to go. This makes no sense, dude.

1:29:30I mean, Bird, Amish Foods, Rides, guys, Las Vegas. I had gotten the money back on that. that was like a course I was considering. I was like, ah, no, fuck that. And I got the money back on that. Cafe! Yeah. Some of those things also. I mean, you've had a late fee this year. You've had a late fee this year. On that card? I mean, I've had a late fee on a few of my cards. By the way, wasn't this a bad habit that the fiancé was upset about and you're like, uh-oh, I'm not going to do that much anymore, or at least I'm going to communicate at home. So she knows about every single one of those purchases.

1:30:03She knows about those. Those are the last months she knows about that. $500 an interest. So where were we at? Like we're at like$3 ,500 of interest this year so far. So a single, more than a whole month of your work, all the work you did last month, every single hour you put in, all the hours you didn't want to wake up, all the hours you were tired of work, all those hours gone. It was just to pay interest on things you've already purchased. It wasn't future purchasing. This is why I was looking for, you know, ways to save money on the interest. and then I ended up in the whole, you know, credit consolidation bullshit.

1:30:40Yeah, yeah. It's a situation that I need to handle between budgeting and maybe giving ourselves more time where possible for this goal. Yeah. For goals.

1:31:00But yeah, that card, I had been reaching for that one, especially because I had to invest in maintenance for the current car after selling the old one. What old one did you sell? I sold the car that she was - The one that she didn't like? That she didn't like, I sold it. What is your current car? I drive a 2001 Camry. I bought it used on Marketplace for like$3 ,000 after taxing. Oh, yeah. I mean, we're getting worth like$21.26. What made you sell the other car? Well, for one, it ended up just being too much between payments and insurance because it was a luxury car. It was an SUV, so it wasn't great on gas.

1:31:37What was the purchase price on that car? What did you even get it for? It was$12 ,000,$12 ,500. That's not that bad. That's usually what I would advocate for for a used car. It wasn't insanely high, but after how much money I had to put towards the debt. What, this debt, the rest of the debt? This debt, yeah, because it didn't get like this overnight. it was already pretty bad before I even got that car. Okay. Yeah, so I mean, I was paying like$350 on the payment, over$200 insurance after gas and everything. I'm talking about like$700 a month. So that and she, yeah, she, even though it was a nice car and it wasn't the worst deal on a new car,

1:32:27she felt like this wasn't the right time to be investing into a car like this. It wasn't investing into a car. I mean, a huge car. Like, how much you're going to have to put into this car to keep it going is the thing. Because, like, I'm like, yeah, like, 8 to 10 ,000-hour car approved by multiple mechanics. It gets you to the place where you can drive it for a few years while you're getting out of the rest of your debt. I'm not saying get a 20 ,000-hour car, but I also don't want you to get a 3 ,000-hour car clunker that you, in order to just get to your job, requires you to put in 2, 3, 4, 5 ,000 endlessly when you don't have it.

1:32:55No, no, no. Do you know how long have you had this car? I've had it. Let's see. I got it in April. Okay. So it's been about four months. Not long. Not long. But I did get it inspected. $95 in the savings account. Or this checking account. But they're saying you use this as your saving account. I mainly use that account to pay the credit cards, and I'll put money aside in there. It's gone up from$43 to$95. Yeah. PIX OSHO Singapore card? I don't know what that is. Singapore? What? I don't know. It looks like maybe a transaction fee. Okay. And then this checking account. This looks like the spending checking account.

1:33:34$69.46. Yeah. Went and got some bullshit. Hummingbird Spring Hill Rural King. I think those are just the farmer's market. What did you go? Oh, fuck you. Farmer's market's more expensive than you can afford. We do. That's where we do our grocery shopping. support. That's a farmer's program. Yeah, but dude, support your future goal. I mean, you can support everything you want, but you kind of have to focus when you have a limited income source on what you want to support. I want to pay off debt. I want to get a fully furnished. I want you to get to where you want to move to. You can do that, or you can go and spend more on everything you want to do.

1:34:08And if you choose that, that's fine. I'll support that as well. But choose what you want to do. You can't do it all. You can't do it all. Mathematically. Farmer's market, farmer's market, going and gets a bullsh**. Hulu, Spotify, Peacock. Oh, and he overdrafted to get Peacock. No, no, no, no, no, no. Yes? That happened at the same time as my insurance payment because my insurance on my car went up. Guess what? Insurance made an overdraft? I got the overdraft fee back, by the way. Insurance made an overdraft and then Peacock made a second overdraft. I got both of those back. Great, which, yes, you can do when you put in the right money, but it's indicative of your behavior and spending.

1:34:44Why should we be having Peacock when we can't pay our debt when we're in the edge of being... I've gotten back and forth with canceling subscriptions. But you have it right now, dude, and it's what made you overdraft. Apple Bill McDonald's is cuerdos? Going in and getting into bullsh**. Who gives a crap? That's TP. That's toilet paper. Hold the paper? $100 of toilet paper. It lasts for a while. Better? Yeah. Because TP Fund is like$100 a person. Okay. Which is anything else you need to survive outside of food and all the rest of the stuff we do. Cafe? Spicy? Nice pepper fruitful place that's still farmer's market yeah yeah it's still like the bi-weekly so stupid julian's julian's booby booby i don't know going to get into bull selling out money miami old school amc adobe for our 12 000 12 what is it 250 well 2 500 i also use adobe for my day job which i've been trying to get them to pay well then they should pay for it i agree uh okay that's that's laundry that's fine cafe out of the closet that's a thrift store believe it or not yeah yeah art smoke team water and again I'm good with charity but it doesn't make sense to give to charity because you could give so much more to charity over the lifetime of your life if you actually buckle down get out of debt have a fully funded emergency fund and then you can mathematically give more to charity than just a little bit here and there while you're trying to survive I got a team water that's great good cause but like you can give so much more longer okay sure AMC, Chick-fil-A, Google One, Wendy's, and Cafe.

1:36:18Also, no, yes, you may have gotten that 68 back, but you've paid an initial 68 this year so far in overdrafts. Okay, Robin Hood, 67, so I guess that's our retirement. 31, 54 in retirement. I just recently started that. Yeah. Okay, this is silly. I don't really get it. Let's make a budget. it. Please. All right. We got you at$3 ,300 for your income. Yep. Debt payments, $459. Okay. What's your mortgage? Your portion of your rent, sorry. $900 is what I pay. $900. Utilities, everything combined, your portion. Internet as well. About$100. Between internet and electric. Gas, vroom, vroom, drive, drive.

1:37:08I'll say about$150. Okay. Car insurance? Just lower that to$64. $64, okay. Food, you can do$300 to the pile. TP fund,$75 to the pile. Subscriptions, I'll give you$40.

1:37:29When I can give you some fund money, I'll give you like$100. With$190 of fund money, I can still have you at$1 ,000 left over, which, do the math, pays it off in 22 months. That'd be great. 22 months. So we're talking two and a half years. Yeah, your debt's gone and you're in a fully funded emergency fund situation. Do that and then move. But we're not moving yet. We're not traveling yet. I mean, this is where we're at, buddy. You just have to choose what you want. Yeah, I mean, we want to move hopefully sooner rather than later. But, you know, the money may not be there in five months. We're going to call your girlfriend in the post show and you are going to tell her no more traveling.

1:38:09And I heard she might be pretty upset about that because she refuses to give up travel. But you're going to tell her that. Yeah. Okay, well, we'll call her. Let's get her Hammer financial score. But before that, again, join Hammer Elite. Click that Join button or link in the description below. And with that, three premium shows posted every day, Monday through Friday, including the post show for this episode. Expending your budget. Well, you overspent. So you're on a 10. Debt. No collections. But it's not the worst. Oh, but you're behind on debt. So one on a 10. That was going to be like a two or three, but no.

1:38:37Emergency fund. Nothing. Zero out of 10. Retirement, I'm not going to consider that. Zero out of 10. That barely started. Real estate, nope, zero out of 10. Wow, okay. Well, barely rounded up, 0.5 out of 10. Guys, I'm going to call the girlfriend. He's going to tell her no traveling. Put his foot down. I'll see you in the post show. Join Hammerly below. We just need to at least cut back. Like, we can't travel like the way we have been. What about the memories? That's not showing up in reality. It sounds really, really selfish that you can travel your way to McDonald's McDonald's and Chick-fil-A and stuff, but then you're saying no to getting on a flight.

1:39:13Like, just, it's not adding up. Dylan told us that you guys were considering moving internationally in five months. Oh my God, did he really say that? Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave?

1:39:52Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.