I Had To Kick This Dipsh*t Off Financial Audit

26:31If it were to blow up, if we were to get more clients doing that stuff, that would be a side of things I would be interested in doing. Sure, but why do you get the pot? Because I'm doing a lot of the work right now that is actually going into restoring those cars. On your contract that says, if it makes a lot of money, you get a percentage? Yes, on that part. But what I'm hoping for is those bosses really like me. So if it gets to the point where it does do something and they start to, you know, get ready to retire, they could pass that company down. Are they ready to retire? How old are they?

27:00They're getting closer. Why would they pick you? They're both in their 50s. Neither of them have kids. They're business owners. They're not going to do the 59 and a half retirement. Trust me. They're definitely getting tired of it for sure. They've both moved out of California. They're both ready to live their, you know, just high life and just chill. So if I were to, you know, get that business inherited, I would absolutely stay there. Why you? Because I'm the only one that's really working there putting in the most. They don't have kids. They don't have family. No kids. No kids. They both have wives.

27:29But other than that, I mean, they all. Why did I think they were together? I was very confused. Okay, that makes sense. But yeah, so if I were to get that company, I would love to stay. And if not, then what? If not. Because you're banking a lot on that. If not, no, I'm trying to start my own company in kind of like the EDM world. A company in EDM? Mm-hmm. So, I mean, there's a lot of companies. Is that just f***ing? What is a company in EDM? I feel like there was a huge untapped market in EDM with how much it's blowing up right now. You're right, there was 15 years ago. I feel like there still is a lot when it comes to stuff like artist interviews, when it comes to lifestyle brands and stuff.

28:09Lifestyle brands, oh wow, we're getting a lot of terms. Not a lot of very narrow ideas. Okay, not very honed in, go ahead. Please continue, I'm very curious. But I feel like that. Please continue. I'm very curious. There's something I feel like untapped in that market. Tell me what it is. When I like watch, for example, is when I was looking for, you know, like get to know more about the artists and get to know more about the scene. I feel like it is really. The niche artist? Not even niche. I mean, I feel like they're getting like the EDM scene starting to get more mainstream now to the point to where it is actually getting big.

28:42Yeah, but the niche artist, were you looking at a niche artist or a worldwide famous artist? Both of them. I feel like even with the worldwide famous artist. If the worldwide famous artist is not getting covered, then there's no market for them to get covered. Because trust me, it would have found itself by now. I definitely feel like there's coverage. But I feel like the way they're covering things. Cool. What would you do? I want to hear this. Because if this is your fallback, this is an important revenue stream, apparently. I need to be able to vet this. Please tell me. I know you like free things.

29:12And I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit tumbler, plus a 30-day trial of Simpler Budget Premium to new users when you buy my four-class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30-day Simpler Budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd, So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone.

29:53And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. So when you're looking at artist interviews and stuff right now, you're just looking at the most like rinsed out stuff. you actually don't even get to really know about anything, about the artist, about the scene itself. I want to hear what you would do. What I would want to do is actually get into it more on the ground. So have a media team at the festival grounds, at the shows. You have a team? That would be the goal.

30:28That would be the long-term goal. High upfront costs, sure. At the moment, I've been doing it all by myself. And I can do it myself. Wait, you've been doing this? This is ongoing? Yes. Oh, sick. How much have you made? Off of the actual YouTube itself. What's the business? The YouTube? So off of, you know. Okay, so this is a channel. It's a channel, and as well as I have a website that sells merch. Beautiful. Business in total, what have you made, and over how long? Probably been about two years. I've made probably a couple thousand in profit, like 2 ,000 in profit. Okay, I don't know if this is a fallback.

30:59It's definitely something I've been putting in the works. Has the business proven itself? I don't know. I think so. I feel like when. 2 ,000 hours in two years, that's 1 ,000 hours a year. I feel like those have been strictly in clothing sales. and buddy, this sounds like a hobby. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of 25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years.

31:33We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. I'm sorry. I feel like at the moment it is, but the goal is to— What's your plan for turning that into a whole business? Is getting more—trying to get more media credentials. So once I get more of a popular—people actually knowing the name, getting the name out there. Okay, but you're talking chicken and egg. How do you get the name? Just by going out there, going to shows, going out and talking to people and all that. I feel like, like I said, the clothing brand— Yeah, it helps, but— Yeah, I feel like— Well, the clothing brand isn't—you don't get name from the— You need to be able to sell your clothing brand.

32:12Again, that's chicken and egg. That's a brand clothing brand. I've made quite a lot of sales on that. You made$2 ,000 in two years. And I feel like that's on just one item itself, actually. So I've had quite a lot of orders. I feel like that was in strictly profit. $2 ,000 in two years. I feel like, like I said, I had— I'm not trying to tear down this idea, but I also want to bring you to earth. Yeah. And I think every time I've worn my clothes in public, every time anyone's seen them, they're like, yo, those are - Is that one? No. Good. Thank - But they, I mean, this is from Vans. What's the best seller?

32:50It's kind of like a sweatshirt. You know, obviously the movie Shrek. So it had like the S from Shrek. You know how the S has ears coming out? Yep. One said slut and like the Shrek font, and then the other one said daddy, and it had the font like that. So get to$10 ,000 in sales and have them copyright you. Yeah. It's possible, but I mean, do you see how many people are making those kind of knockoff t-shirts all over the place? You don't think the brands try to go make money or get a cut from it? I'm sure they do, but I mean, there's so many and it's few and far between. I feel like it would be.

33:17Yeah, but if you're a big player, they'll go. You can make your couple thousand dollars, but in order to make a living off of it, yeah, they're going to want their piece. So I definitely think that was my most profitable sale. So a brand that you did not create. Getting people onto that website and looking at my other designs, then people would be like, oh, okay, this dude has some other cool designs. That's like me launching a YouTube channel. I'd take a Dave Ramsey clip, but I'd just Photoshop my face on it. It's like, look, I made a successful business. I mean, that's the thing. A lot of people are doing that now, and it works.

33:49Yes, but they will, okay.

33:54All right, let's get into this money then. That's a scary career fallback, because that's not a, you're going to, I mean, you would have to, I'm okay with that. I love the entrepreneurial spirit. I'm okay with you pursuing this. It's going to be more of a hobby and then you turn it into a full-time thing. But as a fallback, that is very scary for a job you do not show up to reliably. So I don't know why they, I don't know why they keep you around. I'm just saying like in the risk of a not uberly low percent chance that they would let you go because you're not a reliable. I wouldn't know. If I wake up and I wouldn't know if my employee is going to be there, like they might be lazy.

34:35Sounds like they're on the way out. Maybe they don't care as much, but maybe the new person who might not be you would rather have a player on their team instead of a D player. I'm just saying, that's a scary fallback. That's a scary fallback. I would need you to fall back into preferably a career position that makes money. That wasn't my particular fallback. That was more like my life goal. Like being like. Oh, that's the goal. That's what we're trying to get to. That's even worse. I'm sorry. That's not worse. That's not worse. That's okay. That's okay. That was my goal. I'm very confused. Are you going to own the business from them or are you going to do this?

35:08Because both. It's going to be hard to do the same at the same time. Both at the same time. I would try and do both. But it would be really which one would work out more. You would be split and neither will work out. because you'll be split. Listen, there are people who run multiple businesses, but they take a business, they grow it from nothing to 100, and then they start the other one. They don't try to do two at the same time at the equal starting foot, especially building one from zero where the other one's like 50%. You're like, oh. It's like you just get split. You get separated and then both fail.

35:41Okay. Where do you think your finances are, zero to 10? Zero being the worst, 10 being the best. I would say like a three or a four. You're on this show, buddy. I promise you're not. Okay, but it's a good – I know where you stand mentally. Fuck me. Okay. Go to CalebHammer.com and take the assessment. If you want to figure out what your Hammer financial score is, you can also click the link in the description below. And if you want to come down here to Austin, Texas, we'd be happy to have you in the studio. And it'll be our brand new studio by the time you're seeing this. So that's exciting. Go to CalebHammer.com slash supply.

36:11We'd be happy to have you. Okay. I got a city advantage card. What's going on with this card? What do we got? What do we got here, guy? Yeah, so I mean, I opened that card years ago. That was actually the first card I ever opened. My mom helped me open that one. And that was right when I got back from the States or to the States. I always mix that up. And yeah, I feel like it was initially meant to help kind of just pay off some bills. And I didn't really understand concept of credit cards. So I just kind of splurged on it. I had just gotten back from volunteering a lot. So I just came back and was just doing a lot of materialistic spending.

36:54That was around 2017. Okay, then what the f*** is happening now? Because it is maxed out. Yeah, I feel like it's just been something that... Don't give a f*** about 2017. I just feel like it's something that's never been able to bounce back from. That's not true. You're spending on it, you little tit.

37:12That's not bouncing back. No, there needs to be a way for you to spend 35 % more than you bring in. I'll tell you how. A credit card. Buddy, it is maxed out. If you went crazy in 2017, okay, you went crazy in 2017. Wonderful. Good job. Yeah, minimum payment would have brought it down from the max in eight years. Yeah, I've definitely still spent on it. So I don't give a f*** about 2017. You're f***ing up now. I've definitely still spent on it. Yeah, i.e. $587.05 this last month alone. Mm-hmm. So what are we talking about? I don't care about 2017. I feel like that was just, then was like the really irresponsible spending.

37:51I feel like now - This is not irresponsible. Taking it to the max right now. I feel like all the things on there though are more essential items like food, gas, stuff that - Yeah. What do you qualify food essential? Essential food. Buddy, buddy, buddy, buddy, buddy, buddy, buddy. I'm looking at the purchases. I'm not reading it now, but I know the highlighter ones are bullshitting. Guess what? About 95 % of them are bullshitting. So fuck you. I mean, you're just, you're lying. You're lying. Or you're just completely brain dead in terms of what is actual necessities. You're lying. Lying to yourself.

38:23Hardcore cope. Thinking you're this big guy, this big entrepreneurial guy. I'm doing everything right. No, you're not. And you need to be brought down back to earth, not to be mean, but so that you can actually live a halfway decent life because it is not going to help you, baby, and you, giving you the pat on the back that you think you deserve by not being the worst. I feel like a lot of people take those kind of like corners cuts when it comes to food especially which you bragged about being a corner cutter so second time bringing up a corner cut saying you did it first and now you're saying other people do it okay go on let's hear how this ends yeah because I feel like food is one of those things where it's like people struggle with food because they're just like man what is struggling with food?

39:03if you're meal prepping for example like you said earlier it's just like man they get tired of eating the same thing over and over again and they get tired of what's doing all the... What do disciplined people do? They commit to it, I would assume. Cool, wonderful, great. Go on. I don't think that many people would want to commit to something like that. Want to, it's not about want to, buddy. Is that about... Do people meal prep because they want to? Or do people meal prep because they have a goal that they want to? They don't meal prep because they wake up and they're like, oh, nothing's ever sound better than meal prepping.

39:42No, they are on a diet. They need to budget and they want to do those. So they are doing the action that is less than pleasant in order to do those wants. No one wakes up and says, man, the most fun thing I can think of today is meal prepping. No, nobody wants to meal prep. Nobody wants to. No. People want to not cook during the week. So the action is in meal prep. People want to lose weight. So the action is in meal prep. People want to budget and not eat out all the time. So the action is meal prep. No one wants to meal prep. No one wants to only spend a couple of percentages of their income while they're in debt on fun.

40:25They want to spend more, but they want to get out of debt. So they do the thing that is less than pleasant in order to get there. never bring up again that people want to meal prep nobody wants to it's not about that it's about the goal picture this your phone's buzzing all day with calls from debt collectors every email is a past due notice knock on the door could be a debt collector who is it your wages regardless so you can't afford groceries you can't fill your gas tank you can't get a car loan can't run an apartment and no shot at buying a house. It can't sleep. It can't eat. That's the reality of living in debt.

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41:41But why? Because PDS Debt has helped tens of thousands of people get out of debt. Listen, when I was in debt, I struggled to do anything I could barely afford to move if I had to. And I wish this service was around once I fixed my behavior. It helps. It can get you there faster. So, honestly, you're 30 seconds away from being debt free. Get your free assessment and find the best option for you right now at pdsdebt.com slash hammer. That is pdsdebt.com slash hammer. pdsdebt.com slash hammer. I've never meal prepped before, so I guess, you know, I guess I haven't really thought about it that way, but I mean.

42:17You've never done anything before until you did it, buddy. You were born. You never did anything other than being born. And then you did it for the first time. It's not that big and scary. It's not skydiving. I don't care listen, use our cookbook you get a copy for free everyone that signs up for the premium version of our budgeting app, Simpler Budget which I highly recommend for you gets a signed version of the cookbook I'll send it directly to you and our Simpler Budget Founders Edition journal as well which we'll give you before you leave I actually didn't know you had a cookbook, that's pretty cool it's right here oh, okay so, yeah That at least helps.

42:58You just follow the recipe. I've never meal prepped. All you have to do is cook, freeze, cook, freeze, cook, freeze. This is not crazy. Again, this is not skydiving. This is not the scariest thing to try for the first time. I just feel like a lot of people, you know, I don't think many people I've talked to really do meal prepping like that. So it's something where I've just never been like, oh, that's my, like that's the thought that'll get me out of like debt is meal prepping. The majority of people I know, I go out on the street, I meet a majority of people, they're all f***ed financially. So that's okay for me to be.

43:31Your logic and all these things are so flawed. I just hadn't made that connection of just being like, whoa, I eat out too much, so let me start meal prepping. That wasn't a connection in my brain. You haven't tracked your spending at all? Not really, no. Then you don't even know if you're doing better than you were a few years ago. I mean, the first card I'm looking at is a maxed out credit card. Sorry, I don't think I ever said the balance. $2 ,050. $0.95. Minimal payment,$123.87. $51.92 of interest occurring. Yeah. I feel like I did do slight meal prep practice. A few years ago, I was doing some gold prospecting for fun at a little bit of a time.

44:17What are you saying then? I was just saying that I kind of had a little bit of an idea of it. Maybe I could try it again in the future. Sure, that was something I was doing in the past. But yeah, I just never made the correlation of being like, oh, that's something that'll save me money. Correlate then.

44:38Okay, there you go. Helpful tip of the day. Like, I'm sorry. I just think that was something that was like a time where I was doing solid financially, I feel like. So I think that was why I brought up that. I was like, oh, it's something that makes sense. You could correlate those together. And you said you were prospecting for gold? What the fuck even is that? This is the person I'm dealing with. No offense. The person who thinks they're prospecting for gold is a good career choice. It's the person who thinks that going to EDM music festivals is a good career choice. That taking copyright brand and selling those is a good career choice.

45:19That they think they are going to get the business. that they barely show up to work for is going to happen. Come on. What a narrative we're telling here. I feel like now the more I learn, what the f*** are we doing? You're a gold prospector? F***ing got you a little pickaxe? What are you talking about? Why? When? That was a few years ago. For what reason? This is not the 1800s. There are still people gold prospecting. You always bring up other people. How about you for once? You look to everyone else except for yourself for some reason when you talk about literally anything. Did you make a grand profit?

46:02I wouldn't say a grand, but we made – Well, then I don't give a – We made – If you made enough money for it to be good, you'd still be doing it. Mm-hmm. Ha, ha, ha. So what did you make? We made a couple thousand dollars. It was enough to pay for rent and pay for food and everything. Yeah, for how long? A month? I think it was like three months we did that for. Why didn't you keep doing it if you were making enough to survive? Because in Southern California, you're only allowed to do so much. What does that mean? There are laws permitting you from doing a kind of excess amount. Of gold prospecting?

46:35Mm-hmm. They know? I wouldn't say they know. They're tracking you. But if you see someone coming out with thousands. Coming out of what? Coming out of a canyon where you're gold mining. So you're going into a random canyon and mining for gold. Mm-hmm. Yeah, with my roommate. It was super fun. And I mean, it's profitable if you put in the work. And I mean, if you go to a place like Alaska. Just like everything else that we've talked about. Yes, it is profitable if you put in the work. Somehow you don't seem to do that. I had put in the work when we were in SoCal. Like I said, there was only so much we could do there.

47:10Are you not in SoCal? Well, I said I was in SoCal when I was in SoCal doing that. That's where I was mainly doing it. But like I said, if we were going to somewhere like Alaska, if we were going somewhere else that it was much more rich and there were actually permits and stuff for us to be able to do it, that would be something we'd be able to venture into. But that takes a lot of capital to put it down. And this is what I talk about with that split. The split of I'm going to try both businesses. You don't know what you want to do. You get excited about something, then you do it for a few months, and then you're off and on to the next thing.

47:41Which means I know so many people like you. And there's an entrepreneurial spirit that I legitimately do like and appreciate. but if you can't dedicate yourself and sit down and narrow your focus, you're never going to end up anywhere successful. You're going to be doing this same thing, one new thing per quarter for the rest of your life. You're going to be chasing like get rich quick schemes or something like eventually you'll find yourself in something like that. I don't, I feel like I'm smart enough to not get myself. I don't think so. You spend$900 more than you make on a monthly basis or 800.

48:12I don't remember at this point. It's been a while since we talked about that. I don't think so. But I think it's something where I feel like I see an untapped market and it's definitely something I can do. I just don't have the tools to do it. Which market are we talking about? Let's say the EDM one, for example. You don't have the tools. What's the tool? A camera? I started this with a little camera. Media credentials. I started, like you said, with a camera is definitely something that I've already started doing myself. But to do something where it's like getting a more... Why are they going to give you media credentials?

48:45that would be something I request to do something. Why would they give you? Why would they give you? Because I feel like that's something where if I were to build my brand more, I would be able to represent their company really well. You build your brand by being able to do those, which you need your credentials for, but you need a brand that is built in order to get your credentials. So I don't understand this business plan. It is not making sense. And then we have a max out credit card, and you're going into a business that does not have a proven track record of profitability of something of a brand that you own, not Shrek years, and we're going in with a maxed out credit card, one that you're still already spending on, one that takes nine years to pay off.

49:22By the way, you tried to talk about 2017 eight years ago, meaning this would have been paid off essentially by now if you didn't purchase on it and you only did minimum monthly payments. So that is the life of a smart person.

49:38Wienersnitchell, a critical thing. Necessity, as he said. Subway. Uber Eats. eBay. eBay. Taco Bell. T-C-G player. eBay. eBay. Going inside getting some bullshit. What are you, a zen popper? Are you an energy drinker? What are you doing? Wait, for what? It looks like you went into a little Petromart. You did not get gas for just a couple bucks. It depends on what it was. I'm not entirely sure. Probably a lighter. Could be something like that. You got two lighters in a row? Okay, that's weird. Uber Eats. Greyhound Bar and Uber Eats for$51. $51.92 of interest is accruing at their 30 % interest rate.

50:21And you said it is necessities. That's what you said. I think the majority of those are food purchases. You work 30 hours a week and yet you cannot actually go to the grocery store and prepare even though you are a chef. And again, like I said, I mean, I'm pretty sure you're at the credit level. No! It's f***ing worse! You, dude! The smart guy. The smart guy. Again, the smart guy.

50:49You started over the credit limit, and you ended even more over the credit limit. Over. I thought you were maxed. You're over. Over. Oh, okay. I think when you look at those purchases, a lot of them are just really food. So it's... What does that mean? What does that mean to you? Why? The words you came out of your mouth were the dumbest, most fucking stupid things I've ever heard in my life. But then your tone with it was so sincere. So what the fuck are you trying to say? I feel like that's something that's fair. It's$50 to Uber Eats in one purchase. For two people, I think that's kind of fair.

51:30$20 per meal for two people. $20 per,$25 per meal. Okay, 25 times two. That's 50. Okay, that's cool. Yeah, and we know what you guys kind of make on a yearly basis. dollars times that by three three meals a day 365 days a year also we're gonna spend more than we make on a yearly basis just on food because we need$25 per person and we're gonna be going up to$55 ,000 a year on food costs and that's worth it he says the smart guy the entrepreneur the business titan I think there are you know like I said that's something that most people are like hey let me just get an Uber Eats real quick do you give about most people i don't give a i want people to do well but i don't care what they're doing i don't base their my life on what other people are doing i don't base my life on them why do i give a most people out there are weird i don't care what they're doing most people are financial failures most people are family failures people struggle out there go on twitter and everyone's a pearl clutching weirdo.

52:40I don't give a f***. I don't live my life based on weird motherf***ers. Why do you care about these other people? You bring up other people endlessly. Why do you care? This is your life. Live your life.

52:59I think when I'm bringing up other people, it's just saying like in contrast, there's a lot of stuff that, you know, there are places where it's just like oh that's something that a lot of people also do so it's like in my head that's where i'm like oh that's kind of okay no you're coping you're fucking coping and speaking of your endless cope two letters in a row what the fuck you're even you're obviously smoking what are you smoking based on this conversation i'm pretty sure it's but what are you smoking i just smoke i don't smoke anything i feel like i mean i smoke daily but I don't think like a crazy amount more than anyone else usually would.

53:38More than anyone else? Again, with that, I promise not everyone smokes daily. Well, no. Yes, that is more than most other people. I meant people that also smoke, but. Jake, you're a head. Is that more than most people smoke? I don't smoke daily. It's more than most people smoke. Okay. Well, I don't think it's something that's excess. Okay, wow. You can never be wrong, can you? Yeah, you're definitely going to get places in life. Can't listen to other people. So glad you're on this show. Capital One. Wonderful. Cap One. What are we doing here? What's up with this card? Let's talk about 2017 again.

54:18What happened with this card in 2017? Honestly, I just think that was a lot of impulsive spending. So it's the same exact thing you said for the last card. Mm-hmm. Yeah, I just, I didn't really understand the concept. a credit card. So I just, you know, kind of spent like crazy and splurged a little bit. Something's going on here. One second. There's no way this minimum payment is$239 without something funky. Fees. I'm seeing fees. What the f*** are we doing? It's a past due. Your past due. This is two payments. Dude.

54:51How long have you been past due on this card? A few months, I think. That's f***ing why. You are in the most privileged position in the world with your rent situation. And you, and because of your privilege, you are preventing the housing supply, meeting market demand. And because of your privilege, you are in a position where you get to take advantage of it. You and you alone and live an amazing life financially. And yet you are multiple payments behind on a credit card. What the, why? Why do you not care? Why, what, like, in your mind, what are you trying to do in life right now? Because you're not trying to work.

55:39You're incapable of starting a brand that doesn't rely on IP that already exists. What are you trying to do? You're over maxed out on that other credit card all on bull. And think that it's okay to have a$25 per person food budget per meal. What the are you trying to do, man? You know what? Sorry, before you answer, I feel like this is how you've gotten through in life. Because you're able to sit down, you're able to be monotone, straight talk, and just sound like a person that is able to actually be reasonable. Yet, once you dig deep into the actions, into the philosophy, into the ideas that you have, it is all f***ing broken.

56:22And then you're not willing to admit once when you might be wrong. So tell me, what are you trying to do? because right now it's nothing but failure. I think with those cards in particular, I was just trying to focus on other ones first. And, you know, you still have to make the minimum of the payments. There is not a debt payment strategy in the world that says don't pay. Unless it's let them all go to collections, then negotiate from there. But I wouldn't recommend that. You'll f*** your credit.

56:51So tell me then what the f***? Because no one suggested that. or did someone suggest that to you? No one suggested that. Then why did you choose that? It just seemed like the other ones had a higher interest rate and it just seemed like it was a little smarter to pay off those ones first. Sure, but why does that mean you don't have your minimum monthly payment paid on this? I just didn't get around to paying that one. Get around? It's been multiple months. What is get around to opening an app?

57:23No, I'm not going to let you get out of this. That is bulls**t. I just didn't open the app and didn't get around to it. Okay. Can't wait for you to be an employer of others. Sorry, guys. I just didn't get around to opening the platform and making payroll for the last four months. I just didn't get around to it. Well, that's it. Again, that happens. No, it doesn't. My boss does it from time to time, and I'm understanding about it. If he's a bad boss, then you work for a horrendous boss. I don't think he's a bad boss. If he's not paying you, you're not working for a good boss, and good luck getting the company from him.

58:10I think everyone has stuff that happens to them, and I feel like it's okay to be understanding. But you know what? It's okay to be understanding, but if something didn't happen in your life that was a life-altering thing, you're able to call the credit card company and tell them about it. You didn't do that. and nothing did happen. You just were lazy.

58:32I think it's a little bit of both. I think I'm definitely... What happened then? I think it's... What happened? I think there's a few mixes of everything. I had a shoulder surgery that had me out of work for about 2019, 2020. Then f*** off because this is these last few months so that is the dumbest thing I've ever heard in my life. You had my sympathy for about a half a second. Like I said, there are a few things and I feel like all of those things... Yeah, tell me. What happened the last few months? The last few months, my girlfriend's also been out of work. You told me she made$22 an hour. She just got a job a week and a half ago, actually.

59:05Okay, so you were fully supporting her. How long was she without a job? About four months. Okay, and you guys are together, so I wouldn't be surprised if you fully enabled her bad behavior because you know nothing about good behavior. Go ahead. What else happened? I don't think I fully enabled. I tried. What else happened? Yeah, you're in a rent of your dreams. You could have made your minimum payment of what? Would have been what, like$40 or something? Maybe like$100? I don't know. I'm going to mark it as$100. You were just stupid with it. You could have made it. Go ahead. What else? What happened?

59:33Life happened. We couldn't make a payment. Life happened. What happened? Her not being able to work, me and my car breaking down at the same time. I feel like it all kind of added up. And, you know, it's just, it's definitely, you know, at this time, especially like the past six months have been just rough with bills. I had to take my dog to the vet. You have put yourself there, though. The dog thing you can't control, but you can control whether or not you have pet insurance. I do have pet insurance. Then you're okay. Yeah, but it still ends up being a pretty hefty bill sometimes. This is a chunky deductible at the beginning, but it's not something that would wipe you clean.

1:00:10Yeah, I mean, when you're in the situation that I'm in where all credit cards are maxed out. That you did. That you continue to do. Look at your spending. You spend$700. You spend$900 more than you make it on a monthly basis. You spend 35 % more than you bring it on a monthly basis. You spent almost$800 going out to eat on a monthly basis. You spent$50 on just one Uber Eats order, and there were multiple Uber Eats orders there. And you spend hundreds of dollars on a monthly basis because you're a normal everyday average smoker, and that is very normal for people to do. And then you don't actually show up to work.

1:00:40So, I don't know. LA is not the best in the world for public transportation. But I know if you spent the time, you could have gotten there. And even more so, I know that if you actually make what you say in the hours that you put in, you would have made your return on investment if you Ubered. I don't think so. Then you don't make enough money and you need to find another job. Which, by the way, is honestly probably true for LA. Making under$30 an hour for LA, yeah, it's time to price shop. It's time to job search. It's trying to move up your skills. I agree. And I feel like we were talking about fallbacks earlier.

1:01:14I feel like if I were to leave that place. Your fallback is Shrek years. I feel like if I were to leave that place, I've learned a lot of skills. I feel like I've done a lot of welding and fabricating there to where I could actually, I got my welding certification. Will that be able to be featured on your resume? Yes. Okay, there you go. So I feel like that's something I could easily go to after this if it weren't to work out. And I think I could probably get paid more doing it. Well, I might start looking at that. I've thought about it, but at the same time, I really, like I said, I like my bosses.

1:01:40I like the job, and I feel like if something were to come out of it. Your boss lives in a different state and they don't pay you. One of them does. I mean, you know, the other one does still currently live here and he has an office out here or not here. Sorry, we're in Texas right now, but lives in L.A. And like I said, they like me. I mean, obviously, if I'm not going into work that much, they obviously like me enough not to fire me. Or they don't think they're going to be able to pay pennies on the dollar for another employee because they accept you accepted. And they're like, oh, we got lucky.

1:02:09Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future. And we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, we'll get a founder's edition, simpler budget notebook.

1:02:40And it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free. when you sign up for simpler budget premium annual.

1:03:14I don't think it's that. I definitely think they know the situation that they're in financially and they're happy with it. Is it good or bad? They're good. They're very happy with it. They know the situation they're in financially, so they're willing to pay lower. What are you talking about? That would suggest to me that they're not doing very well. No, I'm saying they know their situation and they're just kind of like, oh, this is not like a side business, but this is their hobby shop where they're like, hey, if this blows up, awesome but we're not really sitting there like Wait, your entire future is baked on a hobby shop?

1:03:48Oh, f*** I didn't know it was a f*** F*** me, dude. Oh, you're killing me You just, like I said, on the side You design words to murder me. Like I said, on the side there's city contracts that make in the main amount of money. Median average hourly wage in the Los Angeles, Long Beach, Anaheim metropolitan area so this is the even the lower cost of living areas in that area that just a town and i know you're not in that 35 and 29 cents you're making under that including the lower paid areas it's probably closer to like 40 in your area i just i don't feel like that's not true i've i mean i know you're looking it up but i mean i have people that are currently living there and no one's making 35 no you just need to go get stabbed or something but no one's making 35 an hour so i don't know i don't know no one's making i don't think you know people no one that i know yeah you probably get taken on a short bus to a special place on a daily basis and those are the only people you know and you base your entire life off of them and that's why you think you're doing okay even people i feel like you walk into any you know the minimum wage obviously isn't 35 five so and that's yeah most people don't make the minimum wage you think the minimum wage is designed because everyone makes that what are you talking about i feel like everyone's close like any fast food service retail sure in that job you think that's what every job is that's not every job but that's what i'm saying that's a lot of jobs but it's not every job and that's all those are the majority of the jobs that people get that aren't that aren't people that have like qualifying degrees, have certifications or anything like that.

1:05:30You have certifications, you f***. I do. And like I said, I feel like I know. So what the f*** are you talking about? Congratulations. You made friends with a fast food worker once and you based your entire life off of them. Like, I don't know what to do off of that. That's not how a normal human operates, guy. Oh, you're insufferable. I'm sorry. You're insufferable. I don't like you. I've officially decided I don't like you. Your credit score is basically 500. Um, this is absolutely stupid. I'm gonna f***ing just die. Okay. Okay. Okay. I feel like the job market, I feel like, is something that a lot of people struggle with.

1:06:03And I think, you know, everyone has to have a side hustle or something like that. Okay, not everyone has to have a side hustle. And our unemployment rate's about 4%. So, no, not everyone struggles with the job market. Statistically incorrect. Yes, it is hard when you're unemployed and you try to find a job, especially if you're competing with the job that you had previously and you want to get into a similar income scale or a similar job, similar comfort level. Sometimes you'll have to start lowering. You'll have to job hop. You'll have to figure it out. You'll have to work internally in that company to move up.

1:06:28But no, what you're saying is not just an average. Everything for everyone. I don't know why you compare yourself to everyone, especially when you don't know the statistics around everyone. I just feel like it's different in LA. I feel like there's a lot, especially like you're saying. I literally just told you the median wage in the LA metropolitan area. I just don't know about that one, honestly. You don't know, but I have just told you. And that is from the sources of Bureau of Labor Statistics. I just feel like from people I talk to day to day, everyone's always saying. They don't matter. They are not.

1:07:01That is so anecdotal. It's so stupid. I think everyone also has the same struggles that I have. Listen, the unemployment rate in L.A. is higher than the national. It is 6%. That sucks. The national median or the national rate is 4.1. So it is higher. Yeah, like I said. I'm not surprised. I mean, it's not a very business-friendly place. So yeah, I just feel like, like I said, I feel like, I feel like, I feel like, I don't give a fuck what you feel like. I really don't. Everything you said you feel like is not correct. Okay, well, they're telling me you have some kind of investment. But I know you said you don't have retirement.

1:07:41What is your investment? I try to invest in whatever I see profitable. I feel like right now that's Pokemon cards. and yeah I have a really I think a really high appreciating asset of Pokemon cards and I feel like everything I've invested in I've made money on like if you check my Robin Hood account it's in the green and it's you said you didn't have any retirement I took it I mean I've since taken it out to help try and pay off some stuff but when I was investing in Robin Hood at the time I was in the green and I was very high in the green and I feel like that's the same with a lot of things i invest in i do make money on things i put money towards so i feel like that's something where i have a lot of money i've never had a pokemon card honestly i i don't know i don't know the statistics around that but you sound like a dumb no i promise you that is a market that is there is profit to be made and it is in a huge then you'll be living your entire life and paying all your bills and not being in bad credit card debt and not be financially if it was really good It's as easy as that.

1:08:43Same with the gold prospecting. If it was doing really well, you would not be in the finances that we have talked about so far. It is as easy as that. I think with those things, it's having the capital to do it with a lot of those things. Do you have like a picture? Show me your stack. I brought my Pokemon cards. Well, I'm not going to buy them, but you can show them if you want. Sure, yeah. Yeah.

1:09:11a lot of people a lot of people buy pokemon cards for like the packs and stuff right you know that doesn't make any money i focus on like the high tier cards i always go to swap meets and facebook marketplace and try and find the cheapest deals possible so i actually know what my money in i'm so glad you're spending all your time doing this instead of actually going out so And showing up to work. So I do know my money in, and I know what my value is currently at. So I know I'm in the green. If you don't know what your value is at 100%, in order to realize that value, someone else would have to get it.

1:09:42You can guess it. How much have you put in? I've put in around$2 ,300. And it is worth about$4 ,500. You couldn't even pay the rent for the place you would move to if you took your lump sum off of that. So that doesn't even matter. This is so insignificant. This is so insignificant. And it's worth about$4 ,500 right now. So I feel like that is a pretty big sum, and it's something that appreciates. And it's something that goes up a lot. So that's something I feel like isn't a bad investment at all. We have some math over the past 25 years. Would you like to hear it? Sure. Divided by that 25. Has an average yearly return of 0.8%.

1:10:24A little under the 1%. You're not beating inflation. You're not beating bonds. what the return has been over the last 25 years. Over the last 25 years. This hasn't been 25 years. I'm just telling you what the average rate of return has been. Yeah, I would say I probably started investing in Pokemon cards maybe about a year ago. And yeah, I feel like I've made a really good profit in that time. I think we will see a return of 13 % between 24 and 2020. and 2034. A 13 % return. Not annual, though. As far as I can tell. Okay, show me! What are they worth? He's put$2 ,400 in. What are they worth? Yeah, they're worth$4 ,500 at the moment.

1:11:14Good. Sell and pay off debt. So that's what I've thought about doing, but I've definitely, at the moment, it is still rising. Yep, and if then, I don't give a f***. Sell and pay off debt. Because I doubt they're rising at a 30 % rate. Some of them 182%. Yeah, in a year. No, in three months. That's even worse. It's even worse. If something's able to go up that high in three months and their crash, well, I'm not going to say it's going to crash soon, but their crash is going to be just as spectacular as the rise. That's how really anything goes like that. Absolutely. And I feel like if you know when to look for the rise and the crash, you know how to make money.

1:11:48You're day trading. Some could say that, I guess, yeah. 10 % of day traders are successful. Like I said, if you check my Robinhood account, it was very high in the green as well, too. So I feel like that's something I am pretty smart with doing, and I feel like I know at least a little bit about how to make money on that stance. If I feel like I had a little more money to spend, I think I would have made some more. The stats aren't perfect. There is no market perfect performance of what the average annual return is, and it depends on the pack. There are some packs that have obviously returned like 12 % compounding, 50 % compounding on a year.

1:12:21Well, yeah, those are packs. Exactly, but there is no full market. average return like there is in the S &P 500, even Bitcoin. There's at least even average yearly return with that, but we can't even find it. Can't even find it. Yeah, and that's because it's so much of an untapped market. It's so much of a boom right now at the moment that it is kind of hard to do research on. But if you're in the scene like I am, you see people that have started with an investment start at$10 ,000 and they're up to like$78 ,000,$80 ,000 in just a few months. Some people, just like some people day trading, they do incredibly well.

1:12:57We're talking a small percentage. You have never been successful at one thing in your life. And you've tried a thousand different things and you've never been successful at one. I have no confidence in this. If I had the capital to do it, I feel like it would have been a lot more successful. And there's no stats around the percentage of people that are successful in this as well. It's just not a big enough market for that. It's just not. People f*** around and they make money, but it's not a big enough market for that. and I'm okay. It's like a little gamble. It's a little fun money, but you don't have that fun money.

1:13:33You have a credit card that was over the balance. Then what was this last card? No, the first one was over the balance. This last one, yeah, it was past due and over the balance. So I need my notebook, buddy. Pick it off over the ground. You made me rage throw it. Your fault, not mine. I'm using the same language you've used about your entire finances. Okay, show me a card. Sure, why not? I'll take a look. I think they're definitely... That's your entire retirement plan. I think they're definitely of good value. Sure. Unknown V, I choose you. This one alone, I think, is ranging at$312 right now for this one.

1:14:12Cool, sell it. There's some back here, too, that are worth a couple hundreds. Cool, sell it. These are all very expensive ones. Fion, I choose you. Ben Boulder, I choose you. Professor Researcher, I chose you. That one's around$200. It's a really solid one as well. And these ones stay very collectible because they're old. Mean show, I chose you. So these ones are all very old cards. These ones are newer ones that have high value at this moment. I'll be honest. I don't give a fuck. Put them away. I don't give a single first edition. There's not a fuck that I give. I'm sorry. I'm sorry. I have no interest in that.

1:14:43All I know is you're in a market that has no actual statistics around that can be scoured throughout the entire internet. and this is your entire you have no focus you try a thousand different things and you're going to be trying a thousand different things until you never find one your entire life this is how people like you end up being and I don't want you to go down that path because you can live a good life if you hyper focus on something and make it the best you can be be relentless about it but instead you're split between a thousand different things and day trading cards didn't we just have people on the show that were day trading cards a couple yeah we had a couple that were day trading cars they put in money they saw a little bit of return for a while and then they fucking like lost it all or something like they can just boom crash and you're in that I don't know how they lost it take the return while you can get it that's the plan that's definitely the plan if it was the plan you would have sold it sell it when you leave I've sold some of it if you actually see on some of my statements it shows that I sold a good amount of it and you see empty pages in there I don't think I can get through it I'm going to sit you down with a Sondra Mind therapist.

1:15:50They're good. You get three free therapy sessions. Sit down with them. Maybe they'll tell you to stop being a dumbass. Except I think they say it nicer. I don't know. I have another card. Discover it. Discover how I can get the f*** out of this conversation.

1:16:09Balance is lower than this one. $1 ,508.85. Interest$24.76. At least there's no purchases. $45 minimum payment.

1:16:20It's over the balance. It's over the balance. Three so far. Three in a row. You can't do one thing. You're incapable of one thing. Well, you see, there was no purchases on that one. I mean, you know, it's not like I'm just splurging on that thing. It's just, it's at the... 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. Said you hear about Dave. Or even tea time, tea time, tea time you.

1:17:03Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Bounce at a dot and it goes over for, you know, a little bit of gas here and there to drive the car that I need to get to work. You don't drive the car. When I can, I do. But you don't because you never go to work. I feel like if I had a much more working car, I'd be at work 40 hours a week happily because it's not the job that it's not like I'm sitting there saying like, oh, I hate my job. That's why I'm not at work. I need a better job. It's just. I very much advocate against it, but I think your parents needed to beat you when you were a kid.

1:17:45this is just i don't know i mean you're you're i'm sorry you're just your mind is in that tiktok finfluencer dumbass and you're gonna do you create like a little finance tiktok because i bet you will soon you're gonna try to show people how successful you are and then you're gonna lead people to just being like broken

1:18:14finance tiktoks i don't know what that means you don't know what that means like me making finance tiktoks you can't put the word finance and tiktok together and i mean i can understand the blanket term of that but i just don't well i don't know why i would be doing finance tiktoks because you follow you you the way you talk the way you've operated it's like you've fallen down that rabbit hole and people like you always end up to start making videos on that and then you're going to take all these other impressionable people and take them down that rabbit hole, destroying their lives. That's sad.

1:18:47$24.76 of interest. 27.24 % interest rate on here. Above the credit card limit because it was just f***ed. You must have been late on payments. You must have had some missed payments that put you over the credit card limit or else why would you even be on that? It was just putting a gas payment on it. I mean, that's the only thing I've ever really even put that card on initially. I can't trust you. It was a balance transfer, and I transferred the money over from the Capital One to there. When? Say like a year or two ago. Then why would it be over the limit now? Because I just never made payments to get it back to where it was.

1:19:22It was at 0 % interest for the year, and I didn't pay it off enough to get it lower. So now it's just back up towards that. but I feel like that's the one I have under control the most where it's you know limited spending and I you know pay the monthly payment did you come here and think I was gonna stroke your little egotistical entrepreneurial dick no is that your intent here no because what the you can't acknowledge you're wrong you're an absolute dumb when it comes to all of this but you continue to use language that you are not a dumb like i don't understand what we are trying to do here and it is enraging i can agree that you know the financial situation i'm in isn't good oh it's not good but it's not good but i feel like some of the stuff with this isn't good but i feel like some of this stuff is justifiable i feel like some of it's justifiable okay let me know when your balls drop and then tell me what the is justifiable the gas i mean if you look at that discover card only right now gas purchases you just said there were gas purchases and i can't believe you based on everything you've said so far whether you want to believe it or not well you open the conversation with the shortcuts i'm taking is not spending money on food and then that's where all the first credit card that was over maxed out went to and you spend 800 a month on food.

1:20:41Okay. Yeah, I mean $800. You bring in, what was it? $2 ,400. Okay, you spend 33, 34 % of your income on food. Guys, that's my cutting corners.

1:20:56Yeah, that's not even including groceries. Obviously, it's more because you do get groceries.

1:21:03Wasting my time. What is this? This is like a firm or something, isn't it? It's all over. It's all overdue. It just says overdue, overdue, overdue. Target, Target, Amazon. Why can't you make a fucking singular payment in your life? You are a child. You should never run a business until you can at least manage your own fucking payments. You're going to screw over vendors. You're going to screw over other services. You're going to screw over other employees or other businesses that you work with. You're going to screw over your customers. you are not in a position where you should be in any kind of service to others you're gonna ruin them i agree that i'm not in a position right now and that's why i'm trying to get out of that do you start every sentence with a voice crack i i think that that's something i can actually get out of this situation what the voice crack situation or the financial one no i'm just not gonna address the voice crack because that just is what it is if my voice just did if my voice cracks my voice cracks it is what it is but with these i feel like i'm not in the situation now but the goal is to get out of this situation so so we can work towards it yeah the goal the goal the goal the goal three credit cards there's only three as far as i know we'll see all over one completely late affirms not being paid on but the goal the goal is to be better the goal you don't know what the f***ing word goal means what are you talking about goal you're on the other side of the goal everyone else is f***ing kicking their soccer balls into the goals you're on top of a skyscraper f***ing considering jumping I don't know what you're talking about you're not even near a goal well I think that's you know yeah what are you going to say to justify that shut up dude shut up what are the obnoxious yeah you're getting Amazon let me see your Amazon account let me see maybe I'll get a little joy seeing a f***ing app instead of your face for a second gosh I'm pissed I'm being a little c***ed that is because there are not many people I dislike more than your personality he giggles great he's getting off on this No, I just feel like, you know, there are people that are in positions.

1:23:31Oh, we're going to compare ourselves to other people again. Shut the f*** up. I'm not getting that. I feel like it's... You could have connected to the Wi-Fi out in the lobby where it said, hey, connect to the Wi-Fi. I didn't think I would need to do that. Come on. I don't think it's loading. It's not because you didn't connect to the Wi-Fi. Do you want me to? I could just tell you what was on my Amazon. I don't think you'll believe me, but... Why would I believe you? It was for PC parts. I got some RAM because I needed to upgrade my PC to hopefully, you know, get this business going. What the f*** are you talking about?

1:24:11How is that going to get your business to where you want to go? What the f*** are you... What was your RAM situation before? It was 8 gigabytes of RAM and I needed to upgrade. That is pretty sh**. Okay, what did you get? I got 32 gigabytes. It wasn't that expensive, but it was enough for my PC to run smoothly so I could edit videos in 4K. What the fuck? Yeah, maybe. I don't know. I don't know. I feel like that's something that is a justifiable purchase. You're overdue on your stupid little Amazon payment.

1:24:47Yeah, that affirmed. Yeah, why don't you say some words? It was a lot worse before. It was at, I think,$1 ,900. And I was doing lots of splurging on that before with that gold prospecting. I loved gold, so I splurged on some gold jewelry there. And I splurged on some sneakers on StockX. So, you know, I feel like that was that card was terrible before. And, you know, it's made some good strides. I feel like it's, you know, now you look at it like you said, you're like Target, Amazon. And they were kind of essential things. The Target's just groceries and Amazon's PC parts to try and make a name for myself.

1:25:22Yeah, to rip off another brand. To try and make a name for myself. To rip off another brand. That's only one of designs. I have plenty of designs for myself. You said you sell one design. No, I said that's the one design that has sold the most. so there are other designs that I've made myself that I feel like a lot of people like as well and if I get the market to it you made your money off of one design you said are you changing the narrative no it's just that's what I've made the most money on when are you getting at Target because I don't believe for a single second it's all necessities it's just groceries yeah really I don't believe you I can't let's see if I can pull out my Target I can't you're a firm we got the Playstation and you're paying for PlayStation Plus, I'm being told.

1:26:03You're still paying for EA F***ing Play. We're getting a stupid RAM for a stupid F***ing PC. So stupid. What? They're saying you're buying some producing software. So are you making your own EDM now? That's the goal, again. What is the goal? The goal? There is no goal. You have a thousand goals. You have a thousand goals. I think it's a good thing to have goal setting It is If you have a plan to get there If you ever I'm sorry I'm sorry I'm so sorry You're lost man You're lost You need a therapist And a mother that loves you You're lost I don't know There's nothing I can do here I can budget you Budget Sure sure but you are lost beyond lost this is nothing this is all mental this is all mental and i cannot fix that i can budget people out of a situation tell them how to sacrifice you're lost you're lost and you enrage me to talk to you not in the you you haven't like been mean you haven't you're just f***ing, you are the personality type that I cannot handle, and I don't want you in front of me.

1:27:34I'm going to specifically request for my own sanity, and just be f***ing done with this, honestly, because it's a waste of my f***ing time. Please go to the lobby, because I don't want you in front of me anymore. That is an action. Yes, that is an instruction. You are not welcome on my set anymore, because you're lost. I can't help you. I'm wasting my time. Please leave. walk away dude i'm sorry i'm done there was not just walk away i don't want to talk to you anymore you justify everything you will not listen to one thing this is unproductive and i'm done i'm done dude i said please leave you're not a dick this is just a waste of time

1:28:11okay hammer financial score go yourself like no it's ah oh okay i mean me okay oh Oh, okay. Okay, what am I thinking? What am I thinking? I'm thinking I'm not having a good time and that it's a waste of time and that he won't listen to me and he has no path and he needs a... Like... That's... I'm... I don't think I can do that one anymore, guys. I'm done. I'm sorry. I'm sorry. I'm sorry. I'm going to talk to the producers and stuff in the post show and we'll look at the rest of this bull****. But I'm done with him. He's so f***ing done. Okay, bye. What a f***. What a f***. F***. But wait, there's more.

1:28:56Two years late on his taxes. What a f*** man. Whoa! What a degenerate. What a s***. What a f***. A leech! Bring him back, ever. F***. Maybe I do have to call him in. Probably throw a mug at him. He f***ed up. To watch the Financial Audit post show, click the join button below.