Financial Audit's Biggest Nutcase

36:14It takes time. And even if that time. But even$16 an hour would not cover those. Hey, shut up for a second. Even if that time is making$16 an hour, if you have to dedicate an hour to fish, let's just say randomly as an example, in the middle of a day, and that's preventing you from going and working nine hours somewhere else, it doesn't make up for it. And your financial situation is proof of it. if you cannot afford to take care of your child because you are dedicated to homeschooling them then you can't afford to this is basic or not to it's worth any price to take care of my oh my oh my you if you have a kid one day you might understand yeah are you married yet i am not but guess what i've seen a lot of people on this show and this is where you're headed that you're so proud of for some reason where their entire life your kid is going to be on hold because their failure and joke of a dad while they're trying to live their life never did anything in their entire life their dad's life so all of a sudden your kid has to put their life on hold to take care of their failure dad that's where you're going that's just a mathematical reality i don't need to have had a kid to know that's not gonna happen fuck you that's not going to happen.

37:29Look at your finances now. You're in your mid 30s. You're acting like a 12 year old. Shut the fuck up. You don't know what you're talking about. You're a baby. Shut up. What a joke. That's not going to happen. You don't know anything. You're not even living life as an adult in 34. You couldn't successfully complete a marriage. You can't successfully complete holding a job. I was married for 12 years. And guess what? You're not. You couldn't successfully complete holding a job for more than six months. You couldn't work in a kitchen. You can't go and sit across a desk from someone without having to sit in a house for a week.

38:05You're a child. You're incapable of existing in this world and doing all this stuff that you want to do. Just like, by the way, your kid, you want to homeschool your kid. All this stuff that you are choosing is going to put you in a position where they're going to have to put their life on hold to take care of their joke of a dad. That is your choice. And it's honestly a disgusting choice. It is a selfish choice. So them being sick from being in public school constantly is a better thing. So how would I take care of a sick kid? I can't afford a babysitter. I can't afford a hospital bill. If they get the sniffles, COVID is not the sniffles.

38:47I didn't even say COVID. You just said sick. I'm suggesting a cold. There's hardly even colds anymore. That's not even true. I know that's not true. Bring up the wastewater data and look up holes over the last five years. You should check it out. Buddy, I'm not falling down your conspiracy holes. If you find the truth to be conspiracy, there are other problems. That's what everyone says, buddy. You've met someone else that's taken this many COVID precautions? Matt? No, but we've all seen them. We all know people like you in society and you never go anywhere. The survivors? I'll be here long after the rest of you are gone.

39:29I highly doubt that. I will be. I don't think that's on my bingo list. Your life isn't existing. I have some great coworkers. Coworkers? Oh, the stuff? Yeah, and I see people with DoorDash. How do I not see people? I have to go into this. these stores and every day and interact with people leading moment it's not an actual connection what does the future hold for businesses ask nine experts and you'll get 10 different answers bull market bear market inflation up down honestly can someone just invent a crystal ball already but until then over 41 000 businesses have actually future-proofed their operations with today's sponsor net suite by oracle the number one cloud erp that brings accounting financial management, inventory, and HR all into one fluid platform.

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40:59Once again, that is netsuite.com slash hammer. Thanks to NetSuite for sponsoring the video. Let's jump back into it. How extensive is your friend group? I have a pretty remarkable friend group. I have some fantastic friends. Let's hear about it. okay uh anyone specifically i could start with my roommate describe your friend group this robust friend group um i wouldn't say it's robust it's it's like four four people in my no it's it's really all i need dude you can live whatever life you want but you're gonna take down your kid with you i'm really trying not to do that and part of this show is to help give them a better future listen listening to you and the absolute world view you have nothing i'm gonna say is gonna fix anything you're already you're gone you you need like a like a comp a deep therapy that are you do you go to therapy no not anymore no yeah i can't afford that okay i'll give you three free sessions with sounder mind i use them the audience is them former guests use them all right i appreciate that i will definitely use those thank you yeah bring this up you got some stuff going on i'm not sure what they could tell me that will change any of it they just need to people like you spiral you're spiraling because people can fall down the complete opposite side there's extremists everywhere and lots of things but when you start falling down the extremes where there's only one like like a perfect truth that only you know it just it just gets this isn't something only i know i know but come on it's your little your little community your little we just like to be safe and protect our kids that's really it that's a nice way to say it and present it but look how you've talked so far you're literally destroying your life for the sake of that it's i'd rather be broke than dead for sure a million percent i'd rather be penniless than dead okay cool than dead yeah and before we move on let me get let's get a real statistic then this is not a political thing we're just gonna get an actual real data point 103 million confirmed covid19 cases so in your instance literally a third of the united states would be completely failing and collapsing okay as a result uh of the 1.2 million deaths of the diagnosed cases was 1.2 % death so 99 % chance of survival which according from initial infection yes but it's important to note that that is only on uh based on people who actually got diagnosed the vast majority did not and then the vast majority of people that did were either old or morbidly obese so there you go um i'm not just afraid of death it's the but you said no no you you made it You made this sound like, and this is why what you have is an extreme position.

44:02I'm not saying it's not scared to die, but you said I would rather be financially than dead. You made it either or. And it's not that simple. And your extreme brain has gotten you there. And it's preventing you from actually living a decent life. And that is scary. Repeat infections would kill me and dramatically shorten my child's life. You're saying that as a fact. It is a fact. Look up repeat infections. oh my gosh this is such a stupid why are we talking about this for 40 minutes i don't really care about this a lot of people don't most people don't actually probably about 99 of people do not care at all about this they don't care about their kids they don't care about their spouse they don't care about their parents about caring it's what you're defining as caring have you seen what attendance looks like in an elementary school since since covid Huh?

44:53Have you seen what, like, attendance rates look like in public schools? I can't find an actual statistic related to reinfection. Because no one knows how bad it is. And how are you so confident, then? You said that I am going to die if I get it. It's just a law of averages. So if you get it 99 times? If you have it, no, even 20 times. But you said you will die. You said will. You will. I'm moving on. Okay, that's fair. Because this is actually... yes and the numbers aren't on my side because they don't they aren't there like the information is just not there yet there's not even a test for long covid unless you have a previous covid infection and you have all these new symptoms they just say oh well that's long covid i'm not saying it doesn't exist i'm not saying that actually i know that my medically diagnosed they do medically diagnose it but you're like there's no test for it there's no way to tell what actually is they just use a list of things and you're like you have it so like you're not making it sound good you're not making it sound i wish i wish i could make it sound better i don't know how you're so obsessed my if you're not able to make it actually it's basically a bet it's a gamble that i believe these things will happen so you're not willing to gamble with the 99%.

46:10If I have a 1 % chance of losing and a 99 % chance success of winning, I'm probably taking the role on the win. What is the win though? Repeat infections? Again, there's no actual statistics around that. At least that I can find. Well, all for what it's worth, what I did is I did the search function on GPT. So I had it scour resources. So obviously I can't sit here and read 50 ,000 books in the middle of this conversation. All right. I have to do what I I wouldn't expect you to, of course. Yeah. Okay. Okay. Cool. So essentially you're not willing to change anything and all this finances that you would rather have f***ed up than certain death.

46:50So why the f*** are we having this conversation then? Because there's other ways forward that don't require me to be around people. Yeah, I have them. Then why aren't you successful? Because it takes time and I'm getting there. Yeah, buddy. You've been in adulthood 16 years. I had a pretty successful career before as a stay-at-home dad. Oh, okay. That's my longest career. I've been doing that for 12 years. When was the last time your kid got sick?

47:30November 2024. I had went and stayed at my brother's house after taking a trip to repo a vehicle. And I ended up getting sick and then came back home. And I'd only quarantined three days. And it was not long enough. And my kid ended up getting sick. But that was the flu. Aren't you afraid by them not actually getting any antibodies of anything? By ever having any interaction with anything? Do you know where antibodies come from? That if they do just get like a literal flu at some point, it's going to like destroy them. That's not how our immune system works. That's all based on a lie that getting sick builds it.

48:11It weakens it every time. Yeah, well, I asked the question. Yeah. Well, where do you think your financial score is? Zero to 10, zero being the worst, 10 being the best. Zero currently. Okay, so we better not change anything. If you want your Hammer financial score, link is in the description below, or you can go to calebhammer.com. if you want to come on this show calebhammer.com slash apply we'd be happy to have you normally this is where I say download the simpler budget app because this is it'll actually fix your financial situation by you can see how much you spend on certain things you get the premium version but you're not a budgeting case that is as clear as day it is obviously not your actual finances that is impacting your life you are down deep rabbit holes of extremes okay IRS for 2014?

49:02Yes.

49:07What? The f***? Yeah, 11 years ago. That's comedic. What? Can they even collect on that? It's 11 years old. It's the IR f***ing S. No, there's a statute of limitations on that, I'm sure. It's got to be 10 years.

49:29before you get too far you should maybe look at a couple of the next pages there

49:38did that say that IRS can only collect after 10 years have you seen that before yep 10 years for collections the IRS has 10 years from the date of assessment when the tax is recorded as due to collect the debt after that it's typically erased Typically, yes. Okay. Okay, so if you'll just go... They obviously have not erased it. A couple more here. Typical has not applied to you. So why haven't you paid taxes? Oh, my.

50:14It's another$42 ,884 in tax. Oh, my. And for the next year, it's$70 ,000 in taxes? We had a very successful business. Is this stacking? Are these separate? Those are stacking. Those are separate years. 18, it went down a little to 42 ,000. Then 6 ,000 in 2020. 2020 was the year we started our corporation and started putting our money through an S Corp. What was the business? My ex-wife is a cam model, so we were making over$10 ,000 a month. Yeah, because if they could do it, I could do it. But I can't. I can't do it. It's no good. It doesn't work well for me. I am not a good fit for that. They're much better.

51:00So this was us working together over the course of our marriage. What was your role? Photography and videography and sometimes acting for the channel and for videos. I have IRS stat cumulative of 334 ,000. Yes, that's 2014 through 2020.

51:25that's insane i don't even know what to say yeah that's i i don't i don't have words for that yeah it's it took some time to build that amount why didn't you guys pay taxes we were the estimated payments were just not enough we did not send nearly enough money estimated payment did you work with the cpa for those estimated payments um no i had went to h &r block for my taxes. Oh, good. Yes, for your... Yeah, and they kind of screwed us over. They did not help us do what we needed to. I wouldn't have gone to H &R Block if I was making that much money. Well, I didn't know where to go. It was... Google CPA.

52:05I don't know. I didn't know that then. That was... Didn't know what? I didn't know who to look for to help me. Google who to look for to help me. in in 2014 i just had um you're able to look things up well right but when i looked it up it just said go to h &r block and talk to a tax professional that was a paid ad at the top okay um so i was living in knoxville at the time in a house that was what percentage were you guys estimating that uh we well we were planning for 30 percent you put 30 percent aside no no we didn't that's what we were planning to but we never did what the f***ing mean planning to for a half a decade you're not planning now I believe even less that I'm going to start making money or it's starting it's starting slowly it's going to happen because I was planning and it was five f***ing years of planning f*** you planning what percentage did you guys actually set aside planning set aside none it was just you said you filed estimated taxes well no we would file the the form but you didn't pay right yeah yeah i just thought that they would set me up with a payment plan or rent like eventually they did in 2018 but it was our income had become impacted from getting uh their payment processor shut down okay from sesta do you remember that no okay well they lost anyways the site we used to work on linked directly to our channel so we could monetize our views from the hub directly to our live stream why'd you guys get divorced uh like why that was the word i used um there was a multitude of reasons ultimately yeah why'd you guys get divorced uh my ex-partner got into astrology uh oh you both are insane really into astrology and you both can't delicately get into things you both have to go down the craziest exactly okay we are what and your signs didn't match so you got divorced uh yeah my sign was to leave um i was not interested in no no like i'll okay why'd you guys get divorced so you got into astrology we got into us they they got into astrology and they started so instead of working on like their work stuff for twitter they started posting more on about astrology and and finding people that felt like that with them i could because i have were you guys open uh no no okay we were exclusive but she was different stars no no no this is cam modeling not like so our no no sorry when she was making connections i was so i was associate so like part of the tax debt actually from like 2015 2016 2017 we were hiring other people to we were paying other people to come cam with us we were doing different types of shows and then we would not tax them for what we were paying.

55:18Oh, okay. Well, they, someone messaged them on the internet about astrology and they had, my ex-wife had posted about, uh, feet fetish work, like, and linking it to astrology. And, uh, this, uh, recently unhoused individual from the greater San Diego area reached out to them and said, Hey, I like you. I want to hang out with you. Uh, and then, I think that started so this would have been March 2023 um and then May 2023 um my ex gave me some poems saying they wanted they wanted out and so she left yeah they left they they left yeah they left and at the time I had rented a house for my mother and brother um to move into to so they could continue their job and they took that rental agreement since it had their income in for because we were married.

56:18It had their name on it. So they're like, well, I'll just take this lease and move in here. You said you got on a payment plan for some of these? Yes. Yeah, we were on a payment plan in 2018. 2018 for the previous ones? Yeah, for all the previous ones. And that was at$2 ,800. You're fucked. Wait, what do you mean? If the debt sat there for 10 years and did nothing? Then it could be dismissed. But it didn't. It was likely that forgiveness, not forgiveness period i'm trying to figure out a way to explain this that was likely paused because he went on the payment plan and it may have negated time i don't know where you are in terms of when this could have fallen off i don't know without more information maybe we'll get it going through this conversation but it's currently non-collectible that 10 years though works if it's if nothing happens it can get paused quite often though that 10 years all right leaving the country applying for different services, going through the negotiation or conversations of a payment plan.

57:22Right. Yeah, I had hired Lotham or Tax Solutions. Oh, good. You can pay a lawyer, just not your taxes. Productive member of society. I hired them on my behalf to try and get the tax situation taken care of. Yeah. And they ultimately just got us a payment plan we couldn't afford. So we ended up paying them$10 ,000. You did pay$10 ,000? Yeah, it was$10 ,000 to allow them to attack solutions. And then we got the monthly payments going. I paid like three of them because we had just enough money, but then we couldn't maintain after that. Okay. The lack of income from... You guys filed jointly? Yes.

58:06Okay. What's they doing? The same thing. pain wait but are they helping to pay this because not all of it's even 10 years old no no are they doing okay at least i don't i'm not sure they haven't really disclosed much all right but they don't talk to me about i've asked like even before coming on here i was like hey what's going on they're still in michigan yeah they're still in michigan okay they live not too far from me. Still doing cam thing? Yes. And they've started with their new partner. Apparently the internet doesn't like them as much as they like me. We went from 17 million views on to now their channel's you know, 170th of that.

59:02But that's okay. He's nice to my kid and that's what matters. Are they terrified Friday COVID too? Yeah, we're all in that game. We're all on that. Yeah, and the guy that came over from San Diego, he's been COVID avoiding with us this entire time, which has been very appreciated. But it ultimately him not being able to go find work I'm sure is not helping their financial situation also other than him working with them so what was your plan for these taxes then my plan was to well ultimately i was hoping that the house could sell and they just get paid because we haven't you sold the house it's well i need to i need money to do some upgrades and what needs to be upgraded uh well not to be up well the water heater needs to be upgraded Yeah, but you can get that in a concession.

1:00:03Yes, yes, it could. But making a concession when I'm asking$200 ,000 above market. Why the f*** are you offering$200 ,000 above market? No, no, that's what I would need. I would need that to cover the federal tax debt because the federal tax debt at$330 ,000 and we owe$124 ,000 on the house. But you said you can't even afford living at your house. Right, yeah. So you have to sell it regardless of if it fully pays off the tax debt or not. Well, my ex-wife could move in there. She has another dude, it sounds like. Why would she move in? Well, they're in a rental house, and the mortgage is in their name.

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1:02:31Thanks again to Moomoo for sponsoring this video. Let's get back into the audit. Well, because I thought they were going to. Why? Well, because at one point they had told me they were going to. Why aren't they then? Yeah, I don't. I don't know.

1:02:48okay yeah so when you say you can't afford it are you at least making your mortgage payments on time and giving up other things so with the divorce the agreement was that i pay the exact mortgage amount in rent through a rental contract that i did not quite read her to yeah to them yeah to them so i pay them the 1351 each month um okay but i'm deal what about when you sell the house do you get equity yeah i get half of whatever you pay rent Right. I'm currently three months behind on the rent. What is that? But you are still prioritizing your business that's definitely really going to make money for the first time ever.

1:03:31It will. It definitely will. Can't work. I wouldn't be doing it. Can't be around the mouth breathers. Can't handle the heat in the kitchen.

1:03:46but yeah i think the farm's going fantastic gonna fall on the ground and honestly none of none of us should pick you up and you should have to figure out yeah and you should have to pick yourself up yeah you're not a little victim you're gonna make yourself be you're gonna sound like it you're gonna cry like you are i'm not trying to be a victim no not yet but you're failing you're three months behind rent i am i have failed my guy you're not homeless yet i i was just evicted they tried to evict me because of the stupid contract yeah they evicted me and you guys don't have a good relationship that i don't i don't know what they're honestly trying to get i don't understand the point of evicting me and our child other than just money so they can't be doing that well if they need me to cover all of the bills maybe it's that you broke the contract breaking well the contract was only no we're not hearing written so the lawyer could get additional legal fees.

1:04:44Otherwise, I wouldn't. And like this lease is up in April. I'm not going to sign another lease where they're going to say, oh, if you don't pay, you're going to be, you know, you have to pay all this. Well, they tried and they didn't, it sounds like. Yeah. You're not homeless. I'm not homeless. I'm saying when your next batch that is definitely going to make money doesn't. I have some on the drying rack right now. That's amazing. Just historically based on your entire existence. something's not giving me confidence. I don't know what it is. And DoorDash doesn't bring enough to make in. The fish is probably a waste of time, and it's taking away time that you get actually, and then all of a sudden you can't work, and you're forced to take care of your kid because you can't have them be around other humans.

1:05:29And all of a sudden, it's all going to come crashing down. You can't afford bills. You're going to become in a homeless situation. It doesn't sound like the ex would take care of you anyway. Maybe your ex gets full custody. Who even knows? You're going to hit the ground because you're not willing to change your life and you've fallen down very extremist, just as extremist is like almost an incel, but in the other, in like the spooky COVID world,

1:05:54you're just going to fall and none of us should pick you back up because you just need to find your way back to normalcy. I don't think that's going to happen.

1:06:07I hope it doesn't.

1:06:11i i see you owe 334 000 hours to the irs yeah i can't the minimum over 10 years old so this is currently non-collectible so as long as i don't make more than 10 000 or all of it is non-collectible all of it okay is non-collectible they can't come they can't the only thing they have is a lien on the house that's the but otherwise they're not really you didn't tell me that or did i just not hear that well yeah that's what i was that's why i couldn't sell that because of the federal tax lien well that's pretty substantial yeah that's that's what i meant why i couldn't is they on the title yeah they're yeah they're on the mortgage that's why they were trying to so if it's not even up to you to sell if you even want to like they would have to say yeah they have ultimate say but we have ultimate say well i mean like it's you have ultimate say if they want to and you don't?

1:07:05They could just sell? I'm not totally sure on that one with a marital asset. What's the agreement say? I'm not totally sure, actually. It's just that I get whatever half of the value is when it sells, but half of zero is zero. Because right now with this$300 ,000 lien on it, It would have to sell for almost$500 ,000 for us to get out and be in the green. By the way, non-collectible doesn't mean they're never going to do anything. Right. It just means they're not right now. Right now. Because I'm not making enough money to make the minimum payment. But if your magical thing happens, they're going to want some money.

1:07:47They might, yeah. They probably will. It's a big bill. It's not an insubstantial bill. All right. credit one because you're so good by the way it's the bottom of the barrel of credit cards essentially yeah it's all I could get by the way here let me give you this again I don't think budgeting is your issue but I do like to give every guest one of these founders edition budget your financial write down your financial journey in the budgeting book yes it's signed all that stuff We sign them for, when they sign up for the annual version of the budgeting app, I send them a signed version, but you get one as well.

1:08:34I need you to document the entire process of your finances until you come on the follow-up channel, and then I'm going to read it. Okay. All right. That's what you have to do. So like each step I take to get these things fixed? Everything you do, give me like a weekly review or whatever makes sense for your situation. Okay, so you seemed a little like, well, how did I not pay$42 ,000 in taxes? like you know because because you guys filed quarterly but didn't actually you filed the paperwork you just didn't pay anything yeah and it's because i was spending money on other stuff no i had uh obviously where to go yeah at the time i had the truck i really wanted it was a 2015 silver auto yeah for the real important hauling around a pair of boobs was a good job so i don't know why you need that if only you want to joke that well i'm sure they're impressive if they're making that much money that's okay at the same time i also had uh my dream car it was a 06 yeah i had a truck and a car that were both financed well now you have credit one and now i have credit one so yeah i had my 06 mitsubishi lancer we were living in a 3 000 square foot brick mini mansion in knoxville uh we were well outside of our means and i did not have the money to when i saw like oh i should be paying like 9 000 on this quarterly payment i was like i don't have 9 000 so then i just wouldn't do it uh because i thought it ultimately was just like I'll get a payment for it and take care of it eventually.

1:10:18And that never happened. There was this other thing I got a little into when we were having a good bit of money coming in starting in 2014, this little game called Magic the Gathering. Have you heard of that? Yes. I played competitively for the better part of the last 12 years. not really to the point where I ever made any money by the way I said 1 % earlier and I just wanted to do more work it's.5 % is the death rate globally continue so at the time when I was not paying taxes I was going to my Friday Night Magic every single week and sitting down yeah keep going Yep. And I like to have the best deck in the room.

1:11:15I like to go all in when I do something. So I would build, you know, full foreign, full foil, just different types of stuff. And that ultimately really got to my ex that I would be spending these numbers on magic cards. And the credit credit one card definitely had some magic card purchases. $47 the fees why because you probably didn't make a there it is late fee plus of course your normal annual oh$450 is the credit limit you owe $517 well done really setting your kid up for success I'll get those taken care of soon as soon as I can as soon as you can I have a payment scheduled life has been nothing but a joke what is this as soon as you can you never will based on your track record by the way you never made money your ex did well we made it together like them live streaming was the largest portion but like it wasn't like I was doing nothing on your own a lot of that was from my hard work you never accomplished anything on your own I would like to say my kid is my best accomplishment oh financially shit Oh, you know the show?

1:12:39Yeah. You've never done anything. You've never been successful. I feel like I've had glimpses of success. Six months max, uh-huh, yeah. Oh, you mean from work? Yeah, Magic, it was a little over$100 ,000. The store owner at one point showed me how much I had spent and personally thanked me for keeping the lights on. instead of keeping your own lights on for your kid father of the year ladies and gentlemen well at that point i had much higher income the powerboat wasn't behind then or anything just quick silver right did you have a fully funded emergency fund no then you couldn't afford it by the way i'm just getting some just statistics out there for long covet as we go through this entire situation just so i can try to become more educated on it obviously i appreciate it's very blah blah blah impromptu uh about five percent of people who get officially diagnosed with covid get long covid of course we know the majority of people who get covid are not officially diagnosed with it these days but of those who are and also five percent and of those who get diagnosed with long covid um the vast majority then that long covid only uh exists for max to max of a few months post infection the small minority of the small minority of the small minority have it for a year there there's people that have been constantly hospitalized with it people there's people who've experienced everything there are people that will walk outside right now and get hit by a car do i destroy my entire life for it no i don't plan in traffic either.

1:14:26There are people who get on a plane and it crashes. Doesn't mean you didn't get on a plane to come here. Yeah, true. Oh my gosh, I actually may have made a break there. Who would have thought? $543.02. Well, this one was just to diversify my credit portfolio at the time. Oh, you real diversified it above the credit limit. Yeah, that's... I didn't mean to do that. I had them all below the limit. Well, you're not making a fucking payment. so you didn't mean to do it. Fuck you. Well, the late fees and payments have put them over the limit. No shit. All below there. Because you're not paying on time.

1:15:00What do you think would happen? Dude, you're a dumbass. Of course, that is your choice. Still, you still spent$224 going out to eat and then miscellaneous bullsh** things that don't matter. It could be video games. It could be whatever we're about to find out. As an additional$212, you could have made your payment. It's$130. Fuck you. This is a choice. Irresponsible. You're a child adult. You're a child adult. you're a child adult you look like john green but you're a moron i don't even know who that is yeah well this this is the quicksilver card uh well this was this was used right after the divorce uh when i was looking for work and couldn't get any help from the government um because i was still on my wife's finances couldn't get any help from the government hasn't pay taxes for a decade who the do you think you are to get help you didn't put into the pile

1:15:58yeah nothing to say to that oh yeah yeah yeah this was mostly for for food at the time um just getting by to do what i could

1:16:13wonderful yeah you spent 500 on both minimum on what i told you it was like 250 on going out to eat another 250 and miscellaneous bull yeah 130 to be caught up on your minimum payment on this then it would have been about 40 bucks a month after that yeah you that's going back to the divorce oh wow poor me i was just trying to eat sure in that situation look where you are now You spent$500 on bullsh** minimum. Minimum. Minimum. You could have paid$130. Shut the f**k up. Shut the f**k up. There is no defensible thing you could possibly say to that. There is no need to be a moron to that. It is not required.

1:16:49Shut the f**k up. It would normally be$40. Yeah, I just didn't have the money to pay it. No, I have an itch in my nose. Maybe I should spray a random spray up there.

1:17:00Yeah, fees bullsh**. Pass due. 30 % interest rate. Moronic. I wouldn't even recommend the Fizz card to you. Debit card that builds credit. That's for the audience. Not for you. I wouldn't trust you with it. I wouldn't. And, nah. Again, this is nothing like the budgeting app. We get something like 1 ,000 signups for the premium a day. It's pretty cool. People are actually changing their lives out there, taking control of their money. That's good. You couldn't do it. regular capital one you will see I will get there you have 34 years to do it and you're in the worst position I've ever seen on this show practically because of your IRS this is a f***ing your hammer financial score I mean you have a lien on your house so it's gonna be a zero like you have nothing going for you it's not even my house technically you're not on the title no oh no I'm not not on no my name oh for f***s sake so selling the house What about your iron?

1:18:06What? There is no selling your house. You don't have a house. No, I'm selling the marital home, I mean. Like, well. The marital home. There is no marriage. There was. They have a house. Yeah, that I'm currently three months behind on rent. Rent. You're a tenant. You don't have a house. Oh, me. What is this? What is this? Oh, capital one. $374.84. Minimum monthly payment, 112, probably normally 40. But guess what? We didn't pay. We're all surprised. Late fees. Interest charge. What a joke. What a fucking joke. 31 % interest. Oh, what is this? Consumer energy? I remember that from up there. oh yeah we still owe$8 ,297 why don't you just do anything right ever I have tried to pay this down but the fees and stuff are just getting kind of ridiculous which you deserve because you got into that utility companies sometimes they do over people you yourself over you deserve this I don't think so I don't think so look at your entire track record in how you go about life.

1:19:33No, I don't believe for a single second you're a victim in anything. You've put yourself in these situations. My gosh. I've tried to get that resolved. This was from 2023 when I was using the marital home to operate the farm. The electric bill I averaged was like$1 ,600 a month. Yeah, so don't have that home then. That seems like the best way forward. If you can't afford the street you get into, don't get into it. your dumb tip and get out of it if you have to i can't there's a lien blah blah blah i think getting out of stuff has been my one of the harder things in my life you know the equity position in the home uh yes yeah what so currently it's the market is 290 and we owe 120 well they owe 124 000 but obviously if with the lien pay off the debt the irs debt that means you're in the clear to.

1:20:30Do they have any attention or desire to? Do you know? To pay off the debt? Yes. No. Nor the ability. Do they make good money anymore? I don't think so. I don't think they're making anywhere. These aren't making the money? I mean, porn stars kind of go right? Sometimes. Some get way more successful. I haven't studied the field personally.

1:20:57Not even on a monthly payment for this? I was, but they needed$1 ,400 a month for it for the minimum payment. So I can't afford that currently. Of course, it's just your income combined for your very successful businesses. How many employees do you have in this bullshit? Just one. And then another person that I don't. You made it sound like so much more substantial earlier. Well, I can't afford more. Listen, I'm going to gift you a course career certification in accounting. hopefully that at least helps with your businesses but I would honestly just abandon these and just go work a f***ing job if you're able to operate in a room with people but you're not able to so you probably can't get a job so you're probably f***ing oh my f***ing again I think this situation's unfixable because you're not able to operate like a human and because of that the situation's broken $93 ,000 on a checking account oh ATM withdraw Where'd I go?

1:21:59Subway. Called it. Taco Bell. Amazon Prime. PayPal and out. Went inside, got some bull. eBay. Taco Bell. Taco Bell. Subscription. PayPal and out. Blizzard. Donald's. Netflix. Taco Bell. Great use of resources. Garbage. It's all garbage. Yes, it is. Great use of resources when you're completely f***ed and destroying And I'm paying 31 % interest on a credit card. A UO 334 to the IRS. Credit cards are the least of my concern. Taco Bell, McDonald's, Shopify, Meijer. But it's cheap Meijer, so it's not groceries probably. Taco Bell, Taco Bell. Cash app, Taco Bell, Taco Bell. What the f*** is your obsession with Taco Bell?

1:22:49My kid loves the three cheese chicken flatbread. They're$2.49. Okay. And they just love it. So most of them are just. so it's scary she gets a cold but it's good to shove fast food down her throat

1:23:03at the end of the world it's good to live a little but you won't let him go outside or interact with humans they go to gymnastics every week just cool they get to see people once a week

1:23:30I don't know I just feel bad for the kid Oh you spent money on an OF What are you trying to see the old pair? No a different friend Friend? Yeah someone we work with. What? No, it's a real life friend. PayPal and I'll why the f*** are you giving them money then? Wait. Wait. To see them naked. Oh, on well, it's not a lot of money. Huh? It's not a lot of money on there. Buddy, you have no money. You only have debt. You're a joke. I like to be supportive of my friends. Yeah, maybe support your f***ing kid. Taco Bell. Taco Bell. Uh, I don't know. $85 to whatever. PayPal out. Amazon. Taco Bell. Another subscription on Netflix.

1:24:18Blizzard. Wait, this looks like a repeat. But it's not. No, it's just a different time frame. Taco Bell, Taco Bell, Blizzard. I think it's just another month during the same exact bullshit. And no retirement. Because we're$34. Buddy, this isn't a budget conversation. Why the f*** waste my time making a budget? I don't get it. It doesn't make sense. You don't make enough money to be able to do budget. What's your rent to them? The$13.51. on yeah you don't make enough money like this isn't i this isn't something i can make a budget for that's not how this works i will be i'm just i haven't been there yet 34 years of that being there yet all of a sudden magically gonna start happening it's not magically i've been doing hard work for years to get my farm prepared you work 20 hours a week you're a you don't know

1:25:07that's not what has to change the budget isn't what has to change yes you should cut down on You're spending a bull. That's not going to make a dent in the IRS, honestly. Yeah, right. That was my thinking also. Yeah, so you may as well just. It's not going to make a dent. Well, it will make it worse. So, yes, you're supposed to cut back on saving. But, again, that is not the biggest thing at play here. Your worldview is. I'm not saying if you are immune compromised or fat or whatever, you shouldn't be afraid of certain things. I'm not saying that. More likely than I, of course. i'm not in any extremist camp i try to be as objective as possible and just go off of what data exists you're not able to operate in society meaning i can't give you a budget that is in society there is nothing that can be done here unless you actually join us and like the world like i don't know you're in your own world and you're scared and i can respect the feeling of being scared as someone who gets anxious very easily i can at least respect that um i hope there's a time where i can but you've developed a phobia yeah yeah definitely but that phobia is preventing you from existing or giving your kid a life or being able to prepare yourself for the future or your kid for the future but even if i make these changes my kids are not going to make those changes because their mother's not going to make those changes so

1:26:36and that's beyond the scope of me yeah i just had i have just door dashed in the farm currently that's that's my my goal there's no budget in here man i have a i filled this out on my phone even to like i filled all of my stuff and it probably says you spend more than you make no i can show it to you if you'd like i filled it you spent like almost four thousand well i mean what's coming in like so i can prepare for when i am making money so i can set things aside what are you gonna make in this magical world if everything goes right okay so everything going right so let's do you have a calculator i can can i borrow this okay uh let's it's about 250 a day is what this this will transfer so i'm 10 an hour 24 hours a day without me working gross well or if you want to cut it to a 10 hour day 24 i'm saying what does it make net daily profit yeah that's my profit 250 a day is what my profit will be as of april as of something that hasn't this this coming up it's happening now like the plants are there i don't know how else to explain that like it yeah it is you still have to move the inventory.

1:27:51That's not the hard part. I have fantastic patience. That is not the hard part. The hard part has been having enough space to grow enough stuff to take care of this mountain of debt. $250 a day for how long? Every single day. Forever. And yes. And that's the minimum. So you're making 91 ,000 hours a year. Yes. That is the projected from just my portion after paying all of the bills and employees. $7 ,604. Cool. Catch up on rent. Pay off your debt. There you go. Congratulations. I don't know what. That's... I just don't believe you. You don't have a track record. You can't. You can't because you don't have a track record.

1:28:34I can't until I do it. Yes. And if you do do it, I will give you the biggest high five in the world. And I will celebrate with you. I will look forward to that day. But your track record makes you a not reliable narrator on anything regarding money. You've been working on things forever you made plans for taxes for five years and never did anything i can't believe you and you have to at least be able to recognize that yeah i recognize your position i don't care like this isn't i just feel bad for you i feel bad for your life i feel bad for your kid's life i feel bad for your ex whatever's life i feel bad for their new person's life i feel bad of i feel bad for anyone no matter the extreme they have fallen down i feel bad for anyone's phobias phobias are inherently irrational i have a phobia of flying it's your reaction it's irrational it does but luckily i'm still able to live life you're not you're falling behind and dying and your hammer financial score is zero i just feel bad for you and i hope you get the mental health help that you need because you've fallen down a dark hole unfortunately you're dragging a child down with you.

1:29:47And that's what's sad. I don't feel like... We're going to go to the post show, guys. That's what's happening. Apparently, I don't know what it is, but Lindsay, our producer, has told me that she has something for this post show that is incredible. She told me that she has this like two days ago, and I never hear that about post shows. So I'm very excited. So, woo! Join us in the post show, and we'll see it there. You can join the Elite version. There's thousands of hours of extra content, and we upload something new every single day almost at this point. And make sure you download the Simpler Budget app.

1:30:17I'll see you in the post show. Bye-bye. Oh, my f***. So you're f***ing over people in your lives. No, I'm not trying to. I'm here with Caleb how you've taken investments from people. Don't you f*** there. I can give good advice. Really? Because I've learned. You have three maxed out credit cards over maxed out IRS debt in the six. Oh, okay. F*** off. Just f***. To watch the Financial Audit post show, click the join button below.