He’s Back... | Financial Audit

32:06The economy didn't make any sense for a year and a half. That is true. I know. That's the first economic thing that was actually correct that you said. Oh, good. Yeah. Thank you for fact-checking me, Dick. You're welcome. Alamo P. Terry's going inside getting some taquitos. We know you like them. Nom, nom, nom, nom, nom, nom. And going into Target getting some bullshit. Taco Bell getting some taquitos. yeah it's actually it's the most popular personal finance podcast across all the internet and one of the most popular podcasts on all the internet right now thank you i know you said it's such an easy show last time you said anyone could do it why haven't you done this show yet why haven't i made a show like this yeah because you said anyone could do it bored in a week oh yeah yeah why make a sustainable career and have a chance at retirement and a good life when you might get bullwood and while you're smearing people and making them crazy smear and buddy i'm allowing you to present yourself however you want to present yourself here.

33:02Except when I do, when I argue with me, when I argue with you, you say that I'm a violent lunatic. So you think when you argue with someone that they're not going to argue back? You have so many, you're like, you're like some kind of, I'm cheeky. I don't, I'm not sure anymore. I like to give them zingers. I'm not that impressed. Okay. That doesn't mean I dislike you or hate you or want to bring you down. That's not how we do it. and we have a conversation with every guest about this now of course when you were doing it it was a little different we're making it better and better but like we're getting like literally everyone's permission like are we allowed to make inappropriate jokes we ask that before every episode so it's like i get what you're saying but we're our intent is not to bring people down we want to help people we're zingy we're witty we're tough love about it and not everyone's going to relate to and not everyone is going to relate to that type of exercise and if you don't then don't come on the show be an adult and know what you're applying to like a big boy okay thank you caleb thank you yeah well i mean i think some people are incapable of actually because of course what we talk here is we thank you so much caleb for having me on oh my god what can i do can i soak your dick preferably not preferably not i uh go for a very different type but uh now when we talk here and i try to expose to people how bad their situation is and uh give them a budget of what to do well yeah i mean you're acting like you haven't i've uh i've uh heard people talk about this show that i've only seen a couple people a couple episodes and they're like i know what this show's like two looks and it's like this or and it's like that other nasty look you got on the thumbnails it's like oh how is it do it you know the one no it's like you do something weird with your mouth it's like oh that one that's that's a classic that's a good one actually we haven't used that in a while it's actually being overused it looks so no we haven't used it in a while buddy you haven't you haven't watched it in a while you what you would you wouldn't go for this check out the side profile that's my dating profile next you wouldn't go for that all right i don't i don't know i'd have choices i'd have to be really desperate okay uh so and then but what is determined for people to actually improve their life is walk away and put their own actions in we can't hold your hand and people someone like you brent brent with an i sorry for doing your name wrong last time that was my fault i thought it was brent i really did um and the entire audience has thought it's been brent um it's kind of funny so you just you're the person just through your language it's the oppression olympics you know the world is always i'm so oppressed in your language i'm so victimized instead of taking any responsibility i just bust my way across half the nation like i just freaking drove uber eats for hundreds of hours and 6 000 miles buddy i will applaud you myself i'll applaud you for staying alive but you're in a worse position than you were when you came on show a year what should i have done at that time we talked about how you got a job offer at water burger you could have started there to help and am i allowed to answer your question am i allowed to answer your question you're right in that at that time i did not know that cook am i allowed to go crazy standing up for eight hours it takes either um some kind of pain relief or a or something like it takes something to distract from the actual throbbing in my heel.

36:40Which, of course, you did not bring up last time, so I did not have the answer to that. No, I usually don't talk about it because I'm not a pussy. I don't go around victimizing myself, saying I'm in constant pain. Okay. You victimize yourself in every other way. There's no way to win with you. Buddy, I'm only going off your own words. I'm a victim. All right, let's go with your narrative. Only go off your own words. Now, I'm going to answer your question. Oh, I'm a victim. Okay. Who's going to save me? Caleb, please fill. You're acting like you're tied up on a train or something Train track I'm gonna ride in Let's see if I can cry like I did last time You did, you almost got up and left Let's see if I can cry There we go, it's coming I gave you the five stages of grief in a tight hour You are an interesting creature Okay, so I will attempt to answer your question again Then we'll continue going through the statement So what I would have had you do last time Obviously you have found yourself some good remote work with this on top of that one the tech world is a lot harder than it now than it was then but at least what I would be looking for is maybe some remote call center jobs some remote customer service jobs these are going to be lower paying jobs don't get me wrong and they are not going to be the most fun jobs but they prevent you from standing up they won't call me back well I already tried man what I tell you last time well you said that you don't what I tell you that you feel over qualified for every job.

38:04I've already applied. What I tell you last time, I went to a half-price bookstore. Yeah. In person. Would that work, though? Are you able to work there? I could probably sit down for a while. Yeah, I mean, if you're at the register. Well, you know, theater, you can usually sit down for a while. Well, have you applied for disability? I do not qualify. Oh. I don't have social security disability. Okay. I don't have enough social security.

38:30You know what? I called. You don't know a lot about a lot of things. I called... You got me. Good one.

38:41Zinger. I called Medicaid in Texas. I lost my Medicaid moving to Texas, right? Sure. A lot of people did because Governor Abbott, you know what he did? He didn't expand Medicaid. He didn't expand Medicaid under the Affordable Care Act's dollars. Yes. Right. Yeah. So I lost mine when I moved here. I call Medicaid and I'm talking with the rep and she's like, you should have a kid. You would qualify. She's just joking, but it's actually true. If I popped out a baby. Please don't. I'd have Medicaid. Totally would. Yep, totally would. And you're saying that I would not be a good dad? I totally would be a good dad.

39:26Absolutely. Completely. in your fury of emails to us you adopted a dog and lost it in a couple months I wouldn't trust you with a human baby that's not what happened oh my god I'll allow you to tell it this is your platform dude I'm allowing you to say whatever the f*** you want I adopted a dog from Arlington Animal Shelter very friendly very nice dog got it into my apartment and it was completely traumatized uh hid behind the sofa peeing itself for a day and you know i'm i was like okay i'm gonna give it some space to you know acclimate and um try to you know i'm gonna leave it some food and some water and just give it some space Maybe I'm scary.

40:27Maybe it's just a new environment. Scary. That kind of thing. And it never came out. It was just absolutely frozen in fear. Okay. And after two or three days, it wasn't a month. It was two or three days. I realized, oh, this dog is just absolutely terrified. There's something going on with it. I took it back to the Arlington Animal Shelter. and the one of the shelter workers there was like, oh yeah, she's special. She's special. She just likes me. And when she saw him, she just opened up. Just jumped right on him. So happy. We actually had to carry her to my car from the mall and I thought it was because the asphalt was hot but it was because she was frozen up in fear.

41:19That's totally what it was. and you want to call me a dick okay i couldn't call you a dick sorry man i've never said that word once here i'm a bad dad all right right now i'm i i can't take care of an abused animal i'm not that good sorry i mean you sent us an email like you you were sending us emails that are different than that story but that's okay and that's the only reason i'm gonna look like a dick for that and that's okay but it is different than the stories you told us via your email we were tracking it we were following along trust me we read them what else i want you to do better with your finances but again so what i would have suggested is you know possibly taking those jobs now okay you're like okay i called those jobs i couldn't i didn't get it now what i would have then responded with that isn't a give up it's a let's look at your resume let's review your resume let's see what it's like let's look at your interview skills let's look at the actual jobs you're applying for at the time of filming the last episode you were very adamant about that you refused to work a job that was kind of underneath you you felt like you were qualified based on the things that you exactly what i did not say i said i will gladly accept a job that is under that i'm not expecting that i something less than i i'm expecting but there are some jobs i can't do and i'm not very good at that is what i said please play the clip if you have any integrity.

42:44Okay, so every job... No, you haven't actually been applying to every job, have you? You've been applying to jobs that you more want to do, correct? Well, jobs that I'm qualified for. Okay, but not jobs that feel like are a step down. Yeah, because I feel like I want to accomplish things. Okay, so you're picking and choosing, to be very clear. You're not just applying for every job. There are jobs that you probably could have gotten. I guarantee you there's people working McDonald's or retail or a server or something that have misdemeanors or worse? I applied for half-priced books. I'm a writerly guy.

43:22Okay, so one. And it's a bookstore. They're probably not hiring as much, but one. Well, they were. They were. And I even followed up with them. I went there and they were like, oh, you're overqualified. They're afraid I'm going to leave. I know, but that's one place. That's one place. That's what I want to make clear, is you are very much picking and choosing. I want you to have the job of the dream field. I feel like I'm picking and choosing. I feel like the world is picking and choosing for me. Yeah, but... Okay. Also, the episode is there for anyone to do. And right now, yeah. And right now, I'm being...

43:52You okay? I am being... Well, I'm just giving you my reality. Okay. I don't want you to feel... I've been smeared by the Daily Mail as saying I'm not willing to work by you, too, and you're continuing to do it, which is interesting. Okay, but we don't like... We don't even edit the episodes like that. we allow the guests to put on display whoever they are we're allowing you to do it you can't blame us for that but you can't blame us for literally uploading you that is I can blame you for mischaracterizing and not seeing what I've said fine maybe I misunderstood what you said you absolutely did I will take your word for that right now play the clip sure i will take your word for that i watched that episode about 50 times that's not healthy that's not healthy well i do have a little bit of ocd okay so you know and okay so you're willing when your followers are actually smearing me and i'm being smeared across three nations europe the uk and united states of america europe is not a nation uh it's well loosely the union okay we can call it a continent you know it's organized in sort of a unifying way I was being dumb anyway well again I am sorry that you went through that I wouldn't want anyone to get smeared that's bad and you know just human to another human that's really sad and I'm sorry and I encourage please do not smear you know even in the comment sections it's a little hard people say we don't moderate it we do you don't see what's moderated that's why it's not there we do we delete things that are like legitimate like hate and threat for life but things that are slightly insulting you know we relatively leave that up as well we kind of try to do the free speech while also getting rid of the worst of the worst of the worst of the worst so um but you know always encourage the guests they come on here they're brave enough to be on here and you're brave enough to be on here so thank you thank you for being here by the way and also we across all channels uh across just the main channel we get one comment per 10 seconds so it's very hard to moderate uh everything but we do try our best we do we're a team of eight let me try our best went in the gas station got some bulls got some something through Apple Taco Bell Sonic drive-in Going inside Getting some taquitos Alamo again Oh that looks like you went in and got some taquitos Went and got some taquitos Went and got some taquitos Went and got some taquitos Went inside and got some taquitos Some Pterry's Went inside and got some taquitos Went inside and got some taquitos Would you be surprised if you went inside and got some taquitos And Chick-fil-A Went inside and got some taquitos Sonic drive-through Uber Do you need to be paying for Uber UX research Huh?

46:58UX research, Caleb. What? Consumer side UX research. I spent 250 hours driving Uber Eats and I'm wondering why I'm not making any money. Okay. Signed up for Uber One. Are you okay? Do you want to take a pause? Just while it is. No, no, no. I'm not going to sit here if you're hurt, buddy. That's nothing of me. If we're not walking away without you having some sense of where to go and make some progress, I'm not going to sit here and just, you're just like going to be sad. I just don't have any faith that you're going to give it to me. I don't think I'm going to learn anything from you. Well, if you don't walk away with it, that's your fault.

47:35But I will at least attempt to provide. Attempt to keep going. Okay. Go inside getting some taquitos. Kava, Amazon Prime, Apple Bill. Go inside getting some taquitos, Taco Bell, Apple Bill. See, I'm just thinking, man, with what we spend on the Airbnbs in the hotel, we can get you a studio here. And then if we're meal prepping for$300 a month, which on our budgeting program, which everyone could take advantage of, by the way, link in the description below, there's a meal prep there and you can tweak it to your needs and you can easily stick within$250 to$300 a month on a sustainable, healthy meal plan.

48:10We could get you to a good place. That just requires sacrifice. Last time, one of the main things we were talking about. Now you say that I'm misrepresenting. Okay, let's say I'm misrepresenting and you're willing to accept any job. one thing you're talking about when it comes to applying for the jobs is that you're saying you're always overqualified and that you wrong people tell me i'm overqualified okay so why don't we reflect the resume if that is the actual reason why don't we just reflect the resume and take off some of the qualifications let's just get you a job that's all that matters sure but what matters more getting the job or not is it the pride or is it the job if that is the actual reason which i don't 100 believe my resume before it doesn't really work like i i went to uh i had a job interview at a ross dress for less right job interview well yeah job interview at a ross dress for less i'm going in there with my best spirit thinking oh you know what i like merchandising I like clothes and merchandise I like design I like selling and they're like do you have any retail experience I was like yeah in high school fast food experience in high school and in college okay but okay I'm excited I'm like you know we can this store you know there's opportunity here I'm going in there with a positive spirit and she's like this is dude you're mistaken this is just a Ross Dress for list I'm like so what like we you know we can make yeah we can make things but you know but they have to follow a big corporate model you're trying to walk into a job and they don't really it's not that stringent buddy you're trying to walk anywhere it's like it's like if i hired you for brandon's position oh man are you not open to any criticism what do you want no i i'm telling you i could not operate there but okay now that under i cannot operate underneath a this is what i wanted i could not okay we're back to right and this is this is this is this is the conversation i couldn't operate there because that woman's that lady that college student she uh oh what an entitled come on she no don't be a dick oh now i used it i want to give you free money right now i've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them.

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51:09This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. She was she was like, dude, you're not supposed to care about this job. that was what I was getting back from her. Like, and that's, I care about my jobs. Who gives a fuck? But you're just trying to pay bills at that point. Listen, I, the way I try to help people navigate the job platform is get into the - And if I do that, I lose my$2 ,000 in content marketing and media that I've already got.

51:47You can't write that after hours. Probably not. It takes quite a bit of research. How many hours a day do you work? Seven. to eight usually when I'm not driving Uber Eats.

52:03And then I'm working on my music and I've busked on my music and made money. Oh, how much are you making on that? I've made like$150 in an hour busking in downtown. Yeah, pretty good. Yeah, but how much have you made total on that? Whenever I do it, I make money. I just can't do it all the time. You can't sing all the time. It's an emotional craft. But if you're too fragile to sing, then don't sing. It's as easy as that. No offense. I mean, if people are too fragile to go have a kiss with someone, they shouldn't be going out and having kisses with people. Know yourself. Know what's good for you.

52:41Know what's not. And be an adult. $2 ,000 a month. Divide that by four days or four weeks. Divide that by. Wait a second. Let me make sure I'm doing this right. Divide that by five days, 100 divided by seven. OK, so you're making$14 an hour on this content writing. So again, in Austin, I have found across the board the median entry low wage for these type of jobs is about$18 an hour. So you'd be making more doing that. I don't care if you're working for a college student who doesn't care about her job. You don't get to walk into a place. If I hired someone and they walked in on day one and tried to reorganize the company.

53:23Hi, I'm here to pick up my son Milo. There's no Milo here. Who picked up my son from school? Streaming only on Peacock. I'm going to need the name of everyone that could have a connection. You don't understand. It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All Her Fault. A new series streaming now only on Peacock. They would not be there on day two. How are you surprised on that? I've done it for a living. You do nothing for a living. So I don't want to hear that.

54:01I've walked in as a consultant and completely redesigned operations. And guess what? You're not working as a consultant right now. So that means nothing. If you were successful as a consultant, you would be doing it right now. That means nothing. I've been a successful consultant. Buddy, you would be doing that right now. I hear the information. It sounds like to me I've been a successful consultant with you. That's not consulting, buddy. We want to make everyone's experience better. Uh-huh. That's what I'm doing. I've made you a lot of money. Either way, that perception on jobs, I'm not surprised you don't have a job, if that's how you go into jobs.

54:30You can't sit here and say, I bet it's successful. You're saying I don't have a job when I've had like five jobs. I mean, I'm never able to finish a thought on this one. Well, it's because you keep getting wrong. You saying you were successful in things in the past, yet somehow you're not successful in any of it now. I'm not rolling in it, you know? You're rolling in a car. Yeah. Because you don't have a place to live because you're not holding on a job because you want to walk into a place and control the place because you're not willing to work for a college student because you want to be the boss because you think you've been more successful in the past about other things because you think you have a degree in information systems that you deserve to make all this money and control a company and run everything.

55:08You know that's only based on what you've said. You know the narratives that I drive and the beliefs I have are only based on what people tell me. It's going through your demented skull and coming out your mouth. mouth you have a way with the words poetic yeah i can see why you're a good writer thank you you fueled it with uh going inside getting some taquitos and some taquitos and some taquitos in alamo draft house oh you spent money on uber eats i'd pick a sandwich and you went inside got some bulls airbnb make a sandwich no yeah cooler yeah everything i'm saying so much easier than done oh i want to address the austerity thing that's what you brought up at the beginning that i didn't get to address uh because like you're talking like of course again the victim olympics so um when it comes to that you know fun fact when you don't have any money you can't afford to live yeah maybe we're cutting back and not having paid for fun who would have thought but actually once people get out of debt and have a fully funded emergency fund compared to any other finance youtuber i give people more percentage of their budget to go spend on fun and living life than anyone else I know.

56:16I do that. I say cutting back to no paid for fun when there's only a couple hundred dollars left in the budget and we're in 30 % debt or taking out payday loans and not able to survive, not able to pay for an emergency. Are you here? Are you open to conversation? You're not even open to... Okay, this is a waste of time. You asked for it, so we're going to continue, but this is a waste of my time, obviously. Going in a car wash, go inside and get some taquitos, going to get some taquitos, Papa John's taquitos. To Pie Society. Porch on? What's the porch on? Looks like a restaurant. Getting some liquor.

56:51Don't do that while you're driving. Apple Bill. Chicken Express. Going site getting some taquitos. Going site getting some taquitos. Wow. This is an endless amount of money eating out. McDonald's. Liquor. Going inside getting some taquitos. Going inside getting some taquitos. Sonic driving. Going inside getting some taquitos. Going inside getting some taquitos. Going inside getting some taquitos. Going inside getting some taquitos. It was Gaming Funds, Apple Bill, Starbucks. I don't know what that one was. Einstein Mobile App? There's another one on there that I don't know. I think it was a job-seeking app.

57:21It was like I downloaded like a job-seeking app, but it was a total piece of crap, and I couldn't work it. I don't remember what it was. Go inside getting some taquitos, taquitos, taquitos, Taco Bell taquitos, Daydreamer. It's expensive. Left House LLC. Iron Bear. I'm not a bar. And taquitos, prime video. Do that when you have your own TV. Alamo draft house, it's expensive. The thing is, I'm not against people having fun. People misinterpret that all the time. I'm not. You literally just don't have a place over your head. And I care more about you having safety and security than you going to a movie theater.

58:05maybe I'm a bad person for that maybe I'm a bully for that and I will accept that if that's the case I did the lunch shift from 11 to 2 get a$2 movie at Alamo because I have the Alamo VP pass which is$20 and I spend the only 2 hours of joy that I have in a day watching a movie and then I go back to drive Taco Bell

58:3730 miles to a mansion in Williamson County to leave it at their door for a$2 tip and I'm like, I just lost money. This is madness. Yeah, maybe we're not doing Uber Eats anymore. Yeah, I'm not. I quit. Okay. Well, you didn't say that. Yeah, that was my last month. I did three months. just to get the data to prove you wrong. Well, again, if everyone lost money, no one would be doing it. Two hours. Two to 4.30 maybe. That was my only moment of joy. Okay, listen. Every day. The thing is, and that's what people say. They immediately get upset that I'm like, oh, the cradle doesn't want them to experience joy.

59:24That's not even close to the case. I say if we have a couple years to sacrifice, I want you to have the rest of your life spent for joy. we can have so much more time than two hours a day in joy if you're willing to because you didn't sacrifice over this last year and a half sometimes I have joy when I sing you don't care about improving your life no I don't I don't Caleb that's what you want me to say I don't no I want you to be real thank you can I create a budget for you and actually help you you're just you take everything I say and you immediately think it's like me hating you when I do not feel that in my body you can't You can't create a budget for me.

1:00:01Can't? No, I'm not going to follow it. Why? Because I don't like or trust you. Okay. That's really unfortunate because I want to see you do better. And I feel the average guest on this show has paid off$8 ,000 in six months, something like that. I want you to be included in that statistic. I want you to be included in our private Discord for past guests. I want to see you make progress like all of them. Yeah, I'm not doing that. Yeah. Why would you want to live a better life when you could just live like forever? Like you have for the last year and a half. Why try to live a better life? I don't trust you.

1:00:36I don't really trust you. Trust me. I don't trust her like you or your friends. But there's nothing you would have to rely on my trust from. Why would I do that? There's nothing you would have to rely on my trust from, though. I'm confused. Because I'm not holding your hand after this. I mean, unless you reach out. No, I'm going to keep talking, dude. Because I want you to live. So allow me to just ask questions. We want to set you up with a plan. Okay, write it down. We legitimately want to help you. Let's do this. Let's just, in a world where you want Caleb's help, you know, I mean, okay, sorry, love you, Caleb.

1:01:13Fuck Caleb. What are you going to do with your life? What is your plan? Maybe we take this moment and we say, instead of you're going to follow Caleb's plan and worship Caleb and everything. I applied for a$20 ,000 grant from the Long Foundation, which I'm probably going to get. I've met all the musicians that I want on my album. We're going to rehearse and go to studio. I'm doing an album release party, probably looking maybe late fall. That's what I'm doing. I've been playing so many mics, meeting the musicians that I loved. I met a dude from Diamond Rio who said, that was good. I was like, holy shit, a childhood legend.

1:01:51That's it. Like, it felt awesome. Yeah. Yeah. like I believe in these songs and when I play them you know it's not always going to be the best performance but 80 % of the time like it's good I'm excited to hear it man so these are people you've wanted to work with oh yes yeah that's sick so how did you come up with this album you wanted to do these are my favorite 10 songs I write a lot of songs you know some of them are crap right like i'll just be writing i write songs almost like all the time it's just in my head i'm always humming something me too you know yeah you're a music guy yeah yeah and but these are the ones that i've played and have traction and they span a lot of genres but they i think they have like some kind of common thread in them like because they speak to me so um i don't know so what's your plan with this uh you're so you you think you're going to get this 20 000 grant i hope so and then what do you do with this 20 000 hours oh uh we'll rehearse um put together tony morris said he wants to play great guitarist a great drummer too i mean he's multi-master musk um a couple tommy luke was interested i want to book them i don't want to book musicians for session for rehearsal without paying them because i want to respect their time 20 000 going to be able to pay for all this i think so i mean because they're it's really it's really not we're not really composing anything it's more like a jam session these songs are really open they're beat out in chord progressions and these guys are talented enough they can riff it right uh so we would only need to like rehearse a couple of times and then hit the studio I think it would probably be enough when's your timeline for this?

1:03:53I don't know when the grant is I think it's in a couple months their decision wow okay how competitive is this grant? oh it's the budget's like two million dollars yeah it's from the Long Foundation and the city of Austin oh so there's a lot of money in it there's a lot of money and you have to promo the city of Austin a little bit in your materials. And in your... I'm doing it... My pitch to them was as an album release party that I would promote in media. And, you know, I kind of wanted to make it free, too. Well, don't do that. I need you to make money, man. Well, I mean, I'm getting money from the city, so I don't know.

1:04:45And I'm going to sell albums and things like that. When will you know? I can't remember the decision date. Will you let us know? Yeah, yeah. Okay. Is this your plan? Is this your hope? Is this what you're aiming for? That's what I'm aiming for, for sure. So when it comes to your career and the different job things, we're really just, we're hoping for this one. Well, I mean, no. I still like digital media. So digital media. Do you think we could build that out more? Do you think we could build it out more than seven hours a day? Because this is proof on paper. This is what excites me about your...

1:05:21Back then, when I had my agency, I really had a brand. I had a design wheelhouse. I had designers that I recruited and developed and learned from. It was a collaborative process. I'm more of the information architect. and some guys are just graphic designers that have a really great sensibility for design and art in general. I like applying it to the web and user experience. I like understanding the psychology of audiences. But working seven hours a day and bringing in 2 ,000 hours a month, I know that's getting us to about$15 an hour, but I think if we really lean in, we start committing and you clearly have a passion for this and people are willing to pay for your talent, do you think we could start maybe inching that towards about$20 an hour, $25 an hour, start getting that towards nine hours a day?

1:06:20If I really repositioned everything back around it, I mean, I would be back at$70 an hour again. Are you willing to reposition? Or why aren't we? It takes, it consumes your identity. This is what it does. Like you have to be on LinkedIn selling all the time. You have to be writing papers. Because your business are. Yeah, totally. You have to be writing papers in journals, UX magazine, all the time. You've got to be selling in a school of thought. That's what it means. Hablas Español. Spreys to Deutsch. Condénosque. If you used Babbel, you would. Babbel's conversation-based techniques teaches you useful words and phrases to get you speaking quickly about the things you actually talk about in the real world.

1:07:02With lessons handcrafted by over 200 language experts and voiced by real native speakers, Babbel is like having a private tutor in your pocket. Start speaking with Babbel today. Get up to 55 % off your Babbel subscription right now at babbel.com slash Spotify. Spelled B-A-B-B-E-L dot com slash Spotify. Rules and restrictions may apply. It really takes. That consumes your entire identity. Suddenly, I'm not an artist. I'm like a... Suddenly, I'm not a musician. Suddenly, I'm not a journalist. Suddenly, I'm... It narrows all these identities of things that I am. Is there a middle ground between where we are now and that, though?

1:07:41Are you able to work for a digital media company, perhaps? I know you sometimes come into a job and you're a little excited sometimes. And that's okay. That's okay. Don't talk down to me like that. I'm not. I'm not. I'm not, buddy. You are. I mean, because I have come into jobs where they're like, wow, what are we doing and what can we learn from you before? And that's a really great space to be in because that's a wide open, creative playing field where you can make something that's interesting, that stands out, that isn't a commodity, that isn't just what somebody else is doing. And that's what so many people do.

1:08:29They're just like, oh, let's make it like this. I like to make things that haven't been made before. And that's what drives me as a maker. Now, my main question with that, though, is are you willing to work for a media company? Sorry, a company that specializes in what you're doing as an employee, a content writer? Because I worked at a company before this. Oh, sure. Absolutely. I've applied for many. I mean, do you remember last? Yeah, I've applied for many of these jobs. I pay a content writer a lot of money right now, so I know they can make money. And at my last job at a company where we sold trading software.

1:09:06What are you getting content writing on? We have a very successful newsletter. And I work with them to just make funny things. Newsbreeds? Like Newsbreeds? Here's the latest shows and everything? No, it's more education in terms of like I like to throw out how to budget and stuff. Oh, financial guide kind of thing? Yeah, I used to write that kind of thing for law firms. I mean, you know. Hey, you said people without financial certification shouldn't be doing that. Well, I was going to law school at the time and I was working for a lawyer. That's not a financial certification. I was working for a lawyer.

1:09:35I was ghostwriting for a lawyer. Yeah. Ghostwriting for lawyers. But would you be willing to work for one of these companies? Because I think that could be a really successful career path. What if I told you? Yes. Of course. Okay, perfect. Okay, perfect. So maybe our focus then over the course of this next month is if I can get you a security, If I can pay for a security deposit down on first month's rent for a home, I'm happy to do that for a studio. If I do that and us being settled, that allows us to apply for these types of jobs a little better. Because it's obviously harder when we're on the road.

1:10:11Oh, yeah. Is that something? I can't even get my – I can't even figure out this identity theft problem. Yeah. You know? It's still hitting me. Have you called the bureaus? I would lock down your credit. Yeah. Have you locked your credit? Yes, but I'm still getting crazy crap. Do you have debt? As a full-time creator, I can tell you creating engaging videos takes a lot of time and effort. From scripting to editing, the whole process can be a headache. But that's where InVideo AI comes in. With InVideo AI, you're in the director's seat while the AI acts as your co-pilot, taking care of all the heavy lifting.

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1:12:27Scan the QR code on screen or check out the link in the description below and use my code CalebHammer50 to get two times the number of video generation credits in your first month. Yeah, I've got that. I've got my car. I've got a couple of loans. Oh, geez, we haven't even had a chance to talk about that. No, it's, yeah, I do. I do have that, but it's not that bad. it's not terrible it's it's just that's usually why i dig on people so hard is because they say it's not that bad by the way people always ask what people like you you ask why i go in so hard on people because people always like act like oh it's not that bad but i need to show people that it really is you know um that's not an attack against you brent it's not sure it's your it's your school of preaching it is it is and i practice what i preach i really do um it's how i live my life every day in terms of debt and spending.

1:13:19So that could actually be a potential plan. That could actually be a potential plan. Yeah, that is my plan. Yeah. Okay. Can I make a budget for you? Yeah. What do you think rent-wise? I think we can get you in a studio for$1 ,000. I was thinking about that too. I was thinking about$1 ,000. Okay. So if we're looking at a studio for about$1 ,000... Or I was thinking a room rental for like$700. that would be great I'm looking at two places tomorrow creative houses you know musicians marketing agents brand people those kind of things I mean really comfortable vibes good design I like that kind of thing now of course you need to be able to vibe with the roommates and the roommates would need to vibe with you so if we can do that that's great I'm just going to be conservative right now and say a thousand.

1:14:16Let's just assume the studio. It's better to be a little conservative. Okay. Now I'm going to put a couple hundred for utilities, 50 for internet. I'm going to put 200 for driving gas. And honestly, we're going to, you know, in this content marketing that you're in, we're hopefully working remote. It's going to be a little less gas. But again, we're being conservative here. Food, I can get you$300 a month if you actually meal prep. No more going and getting the taquitos and going out to eat. why do I do this austerity right now? You think that's all the life is that I talk about? No, I just talk to people in bad debt.

1:14:47It's because I want you to get to a risk-free position where you don't have this bad debt and homelessness hanging over your head. Once you have a fully funded emergency fund, then I want you to spend 30 % of your income on as many taquitos as you want. I am not austerity all day. I am not the UK government. That's not me, buddy. Spend that money. But we get to a place where you're financially healthy first. okay uh tp fun this is anything you need else to survive anything anything at all because when you break down the budgeting it's your own budget go through the budgeting program if you want to and you learn how to build it out and follow it every month you will decide what goes there uh are there co-pays on a monthly basis medical things like that oh uh i don't have health chairs that's dangerous what about the uh exchanges though you should be able to get on a program that wouldn't cost you anything on a monthly basis?

1:15:41I tried it. The website referred me to Medicaid, and then Medicaid said I didn't qualify. And that was last year. I don't have an address right now, but I would try again. Yeah, try again. When I have an address. Subscriptions, we're canceling subscriptions. I know people think I'm evil for that. Again, you can't afford a place to live, so I don't think we have subscriptions. It's just priorities, right? Anything else you need? Phone bill. What's your phone bill? 77. Okay. I would switch to a cheaper thing like Helium where it's like 20 bucks a month for like similar coverage on the same towers when we're just trying to cut back.

1:16:27Well, I'm in a deal. I got this because it works well with Uber Eats and it was less than T-Mobile. I'm guessing that phone's financed. I think so. Okay. I've lost my calculator, but I'm going to use my phone. You don't seem too heavy, man. But again, I don't want you to have a negative experience. I really don't. You might think I'm a bad person and evil. I want you to do really well. And I hope I can prove that to you somehow. I really do. You need 1 ,000. If we do this, 1 ,000. Oh, wait. Do you know your debt minimum monthly payments besides the phone? Probably 300 or 400. Let's say 400. You need 2 ,327 hours a month to live, which right now, by the way, you're bringing in.

1:17:14I think which is a little more on this content side or if we get a full-time job in that content side or just hourly basis and you're working hours or per content delivery and we're delivering as much as we can, you can easily do that. You're already showing that you basically can. So that is very manageable. This is the exciting part in the temporary austerity that you think is permanent because you kind of misrepresent my position. But that's okay. That's okay. from there if we can bring in three thousand dollars a month after taxes that extra seven hundred dollars that you have if we start throwing that towards your smallest debt you know this is the dave ramsey way the way you hate but if we start throwing it that and you pay off that debt and you roll that in minimum payment into the next step and you pay off your debt as quick as you can the high interest rate debts anything that's five percent or less you can leave payment monthly payments until they're paid off if you do that build a six-month emergency fund that means anytime a big payment pops up again, you won't be homeless if you get laid off.

1:18:08That means if your car breaks down, you can afford the repair or you can afford to go get a$10 ,000 car. This saves you from ending up in a position right now. That's why not having an emergency fund is an emergency. It legitimately is. You don't have to trust me to follow this advice. I don't care if you trust me or don't like me. I want to make sure you are never on the streets again because you're a human being and no one deserves to live on the streets, okay? But you have responsibilities and you have the ability to do this yourself. I don't think everyone who is poor, as you said, or homeless is there because they chose it.

1:18:46That being said, on your side, you have a lot of choices and decisions that are putting you in the position you are and I see the path forward where if you decide to take care of your situation, you can be in a better position. However, if you decide that you would rather present this as the middle class will never get ahead, people can never move up to the middle class, inflation, 5 % over the last however many years, aggregate. All these reasons, that's why I'm being held back. All these reasons, not my own choices, then you'll never get ahead. I was just talking about in general, it's a trend.

1:19:26Well, what's the point? Because we're just talking about you. well i was you know i was fine okay you can do this yourself you can do this yourself let's put aside everything else that might be wrong in the world i care about you in this conversation you can do this let's stop playing victim and let's achieve this so i really think you can do this right now man um so brent one thing um that i wanted to do just before we finish this is you know we as we just found out that last episode since it was our third most popular episode it actually made way more money than i thought because most episodes in adsense only make like a couple thousand few thousand bucks um so you were a substantial part in getting this and just the organic conversation getting this channel you know really pushing it to like the first couple hundred thousand subscribers, I think.

1:20:26So, you know, obviously in a tough spot. And I hope you use this right. I hope you use the education that we provide the different things. I'm able to link you with a course careers certificate if you want that as well for different things. I don't know. You know, that's up to you. But one thing I really want to do and what we're excited to do, we got four thousand dollars right here. This is all you, buddy. I want you to use this four thousand dollars i want you to really put that towards maybe a security deposit down payment or not a down payment security deposit first month's rent a starter emergency fund and maybe throwing also some towards the debt so that we can start getting out of debt because i really think you could live a good life and i really want you to as a fellow human being no matter what you think about me i want you to be successful i promise you that okay oh thank you i'm excited to follow your journey.

1:21:17Now stick around for the post show, everyone. Today on the Financial Audit Post Show. I was willing to box. Such a good idea. It's like hitting a man in a wheelchair. Oh, stop. He's not in a wheelchair. Are you in a wheelchair? What was interesting is that I don't know how Caleb thought that I was going to punch him in the face last show. You were shaking. You were in anger. Yeah. I mean, but that doesn't result in violence. For some people it doesn't. I don't know you. To watch the Financial Audit Post Show, click the join button below.