Immature Child Refuses To Grow Up

0:00All right. My name is Ben. I'm 27 based in Austin, Texas, and this is Financial Audit. So what do you do for a living here in Austin? Good question. Right now, I'm unemployed and I have been for the last week and a half. Oh, yeah. What happened? I was working this job as a handyman and then I took a movie gig as an actor in an independent film. And I've only been working that job for... The handyman job? yeah the handyman job i'd only been working that for a week prior and so okay certainly not a career position then no no and uh it wasn't a question like hey boss can i take these three days off it was like hey i'm not going to be here these three days like i'm an actor uh i got to do this okay so want to like want to be actor yeah oh yeah so that's your goal that's one of them yeah Yeah.

1:03I've got a lot of stuff going on and projects that may or may not take off here. The week before your one week of employment, were you unemployed? No. Okay. What was that? I was working at a concrete cutting company. Oh, for how long? About a week and a half. Yeah. Okay. The job before that, were you at that job before that for more than a week? Yes. What was that job? That was, oh, that was El Mercado. Yeah, that was working at a restaurant at waiting tables. There you go. How long did you do that? Two months. Yeah. What's the longest you've ever been in a job? I mean, I was a deckhand in the Navy for two and a half years.

1:50Okay. Yeah. Well, now that's a different, that's a completely different story. When was that? that was uh i was in the navy from 2017 to 2021 to 2021 okay yeah so the contract was four years long but i was doing that specific job on the boat for that long 2021 to now so for two years what have you been doing during that oh man so i got out of the navy um i was going to school on the GI bill, which you ever heard of that? Yeah. Yeah. You get paid to go to school. Um, so I was doing that in San Francisco, got a fat housing stipend and a cheap apartment. And so I just, San Francisco. Yeah. Yeah. No, it was, it was doable for some somehow.

2:38Um, and I went to school and did all my, I went to school, but I was really just doing it for the housing stipend um and so i could do everything else i was doing which was uh tried to start an internet t-shirt company and bounced around a lot of countries in eastern europe and did this meditation retreat and some other trips oh my goodness dude yeah you're everywhere yeah it's It's confusing, especially for me. Yeah. Before we even get into your financial situation, because honestly, there wasn't too much for me to go through, and there are a few spreadsheets that are kind of untitled, so I don't even know because they're not like statements.

3:29Yeah, the bank software just gave me these weird Excel spreadsheets. So that's what you downloaded. Yeah, I just sent what I had basically. Okay. What do you want to do? What are you trying to do right now? I want to build a life that doesn't suck, basically. Okay, very vague, incredibly vague. What are you trying to do to get there? What are the objectives along the way to meet this final destination that you are trying to achieve? Well, I got an interview tomorrow at 24 Hour Fitness, and I want to be a trainer there. Are you going to last more than a week? Yes. Is that what you said at the previous positions?

4:13yes okay why'd you leave the two previous positions after weeks and a half each and only two months of the position before that well so so we started the concrete company uh we started the concrete company no no no i'm saying if if we in this discussion start there hypothetically i left that job because i just got hired at the handyman thing and I was like that sounds way better and it was uh and so I took it you know um it wasn't dangerous to leave that job since I had one lined up so I bounced um and then the reason I left that handyman job is because uh I got a part in a movie and I was like yeah definitely need to do that need to don't want to like this is three days you said right uh no so well the gig was five days long okay yeah but three days of work you needed covered yeah yeah it was three working days where i wouldn't be able to be there and and then my boss handed me a check uh the day before that and he said yeah i'm letting you go and i was kind of like why that's to be expected because you asked so he he said it was because like you don't know enough you don't have enough experience i have a feeling it was because uh like he didn't want to sound like a dick and like fire me for essentially chasing my dreams which is what was going on so probably a combination of like being incompetent and also i would need to hear his side of the story because one okay let's say that you weren't experiencing stuff then he just made a bad hire like that should be relatively found in the hiring process now maybe you're in like a trial position like like let's see how this works out type thing um but i don't think someone's gonna hire you for also wanting to do your dreams unless it completely infused with work now it was though that's the thing did you let him know before you started that hey there are three days that i've already committed to no because this this director hit me up like you know two days before i was supposed to be on set what is something people want to be actors in austin what is happening oh well it's it's show business i mean you know the same thing goes on in la but i'm i know but that's not what i was expecting yeah yeah okay it's like a big indie film crowd i guess sure yeah how much did you make for this film position 125 a day for five days yeah how much were you making of the concrete cutting uh 20 an hour before taxes how many hours a week was to be expected 60 yeah i'm sorry how much how much how much an hour 20 an hour before taxes pj's wholesale club makes holiday hosting so easy we called in the ultimate host to talk about it mrs claus here you think Santa has it tough delivering all over the world?

7:18Try cooking for hundreds of elves. Good thing BJ's offers low prices on all the menu must-haves, plus free same-day delivery on your first order of$100 or more. No more squeezing in trips to the store. The only squeezing here is the big guy into a suit after dinner. For terms, visit BJ's.com slash holiday and get the same great prices online as in-club. 60 times it by 52. Divide that by 12. That's entry level. It would have gone up from there. $60 ,000 a year or$5 ,000 a month. Yeah. That's great. Yeah, it could have happened. And you turned it like that. Like, I think, if I'm not mistaken, the median salary in the United States, no, no, no, the median wage is somewhere around like$35 ,000 now.

8:04So you'd have been almost double that? Yeah. Yeah, as a concrete cutter. Yeah. And you said you wanted to live an awesome life. Well, this could have at least gotten us to places, financially speaking, where you could set up the building blocks in order to live that. What is this awesome life? I don't even know where to go with this conversation. This has just started so interesting. Yeah, I'm with you there. 120 times five, so you made$600. You gave up$60 ,000 for a few hundred dollars. Let me just make sure my phone doesn't shut up. It's vibrating. Okay. That's nothing. That's nothing. Oh, so what is this future?

8:40What is this future? This possible amazing future? I don't even remember what you said, but yeah you remind me of a character who's been on the show who's the character quite a character well i'm calling him a character because he's a character but um someone that's been on the show and refuses to improve his situation i see what's his end goal that you're trying to hit live an awesome life is that what you said or what was it that's the brief version what's the long version i want to be really optimized as a person and that's like the base right i want to have my fitness on point i want to have like my skills on point with like skills in martial arts and practical skills like i would have learned at the handyman job if i hadn't gotten fired be like the apocalypse survival guy and i want to i want to be heavily i want to be heavily meditated like really calm and relaxed in all situations so this is like this other guy no no yeah yeah so so i'm you know you asked for the long version this is the long version no go for it so all of that is just like me as a base person.

9:45All right. Okay. And then you expand out into the external world, which would be, so I want to have like a sick house in like a walkable, uh, neighborhood where you don't have to like drive everywhere. Kind of like most of Austin. Yeah. Most of America. And keep in mind, this is all like a 10 year goal. Yeah. Yeah. 10 year that quick. Okay. Go ahead. Well, okay. What did Bill Gates say? Most people underestimate what they do in a year or overestimate what they do in a year, underestimate what they can do in a decade. So I think 10 years. Like if you're asking the universe for something that's really out of the ordinary, 10 years.

10:31That's a good timeframe. It is. Walkable neighborhoods in our age group is one of the most in-demand type things, which means in any of the cities that offer a good walkable neighborhood. It is pretty much the most expensive housing that's ever existed. Yep. You gave up a$60 ,000 a year job for$600. How are you getting into this potentially minimum$600 ,000 condo, let's say? Some ideas in the works are I could become an actor, start some kind of start and scale some kind of business that either takes off or sells.

11:07Well, I mean, someone probably told you it was crazy to try and be a YouTuber, right? Well, I didn't give up on my, I, I still worked a full-time job while I was trying to get this thing. I started this as a hobby. This wasn't even supposed to be a thing. It was just for fun. yeah i mean the difference with me is like i would have still been working that full-time job but it took three days where i should have been at the job instead of like you know whatever getting off your nine to five and then like doing your grind from what six to ten like i just had to physically be somewhere else and you know the result was like hey like you're not unfortunately committed to this handyman thing um i gotta let you go and i understood but it was a week see yeah I don't know.

11:51I feel like there's just more to be told there because in general, it's like, okay, someone's first week, no one expects them to be like, oh my goodness, I'm obsessed over this business. I'm obsessed with the final results. I am absolutely ingrained in this culture and I know my job 100 % perfectly. It's a process. So very curious. Either way, what is your financial situation today? What are we even looking at? Because I don't even know yet. So this is like completely brand new news to me, whatever you're about to say. Was I about to say something? You're about to tell me what your financial situation is like today.

12:25Okay. Yeah. Let's see. Total debt. Oh, geez. You're doing all this well in debt? Yeah. What are your debts? I owe my mom 3 ,000 bucks because I was in a ton of credit card debt and she bailed me out. I got 3 ,000 to go. Is there a minimum monthly payment with that that you've agreed upon? No, I'm just trying to knock it out as soon as possible. I don't think getting out of a$60 ,000 a year job is helping that. Go ahead. No interest on that, I'm assuming?

13:05No, no interest on that one. The one I do have interest on is the Chase card. So that's$580. $580, okay. Yeah,$580. Okay. what's your minimum monthly payment there probably like i don't even know 12 again i'm just trying i i could probably just pay that off like today why don't why haven't you if it's accruing interest i'm guessing it's like 20 to 30 percent yeah because i've been trying to pay off that debt to my mom for a while now and i actually i get it my first three months in austin like I had that total amount, that initial 7k. Wait, how long have you been in Austin? Since January. Oh, where were you before this?

13:50I was living in a town called Roseville, California for about five months. You want to be an actor? Uh, you came to Texas. Yeah. That's one of the things I want to do. Yeah. Oh yeah. Other debts. Uh, no, my, my van's paid off actually. That's it. Like a minivan? No, it's a cargo van. Oh yeah. I thought it would have been very funny if it was a minivan. Okay. Well this is, this is relatively manageable debt. Yeah. Yeah. Um, it's not too bad. And, but you're unemployed right now. So you're bringing in nothing. When did the video, this shoot end? Um, I would say eight days ago. What have you been doing for eight days trying to look for a job at a gym oh that's right so you want to go yeah because it's like endless paths you want to go down yeah okay personal trainer you're certified in any way have any certifications no have you worked with any clients uh not professionally no do you have anyone that could like stand up for you be like yo this dude's good absolutely as a resource?

14:56Absolutely. Yeah. Yeah. Okay. So you've worked with people like unofficially then is what I'm guessing. Yeah. And I'm also like weighted tables. Um, well, okay. I don't think that's going to help with the personal training. It does. It does. I had a buddy who got hired at a lifetime gym who, you know, he wasn't even certified. He was just a really good dude. He was fit and he was a waiter at a breakfast place. And, uh, he also like knew the right guy to get him in. Well, there you go was it that or because he was a waiter it was a combination of all those things i mean they uh you know talking with the pt manager at this lifetime gym in roseville they want to see someone who's experienced in like hospitality and customer service right because that's that's most of the job like it's not just like i mean i've never been a pt before i'm going off of uh like what i know it would take to get hired as one what does your resume look like when you give it to them uh resumes oh yeah and what does that look like about how this conversation looks like brother okay would you hire yourself it depends what position no i wouldn't if you shopping is hard right but i found a better way stitch fix online personal styling makes it easy i just give my stylist my size style and budget preferences i order boxes when i want and how i want no subscription required and he sends just for me pieces, plus outfit recommendations and styling tips.

16:26I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. You have been in like one of the longest jobs you've been in besides the Navy. It was two months at a restaurant and everything else is like a week, two weeks, this, that, this, that. There's a longer one than that. What? I worked at the Lifetime gym in Roseville for five, six months. Oh, well, but especially if you're trying to go get a job at a gym and they saw that you left a gym after a few months. Like, I'm just saying, ask someone who has hired people.

17:05I get it. Would you hire someone who leaves multiple jobs after a week? It just depends, right? Like, I don't know, like, what job I am hiring. Is it a gig? Is it a job you're trying to apply for right now? The physical training or job? Is it a gig job or is it like a permanent career kind of job? What are you looking for? Ideally, I'd get more gigs. So those are the ones you're applying for? Oh, yeah. So it's like one of the personal training gyms, right? It's a gym that offers personal training as a service. As a service. And you're contracted into that position, so it's not a full-time position by the company itself.

17:46Are you like your own business within it? Because we've also had people on the show who, like, own gyms, and then they'll bring on personal trainers, and then they kind of have their own business within it. Like, they get, like, 50 % of the, you know, payments of personal trainers. Like, I'm just trying to figure out what kind of position you're looking for exactly. PT at 24-Hour Fitness. Okay. And I'm interviewing for, well, I've got to start out as, like, a janitor, basically, and then get certified while I'm doing that, and then, you know. How long is that going to take? i don't know i think i mean i know i could knock out the certs in like less than a month if i really just grind and then from there it's really up to them like what they have available will you grind yeah have you started no how long have you been wanting to do this uh this pt at 24 maybe uh a month or so why haven't you started it then it sounds like you're like we're we're oh because Because you got to buy the course.

18:49Yeah, I'm about the course. No, it's like 600 bucks. And then if you get hired at the gym, sometimes they can like help you pay for the fees. Oh, okay. So you have an interview tomorrow, correct? Yeah. Have you had other interviews yet? In the last week since I've been unemployed? No. Well, you said you've been looking for a month. Have you tried? Or you've been wanting to do it for a month? Have you been applying throughout that whole process or only the last few days? Just the last few days. Okay. Yeah. Okay. Yeah. So hopefully we get the job. Then what are we doing there? What are you trying to do?

19:22We're building the acting career. You said you want to. I don't want to do. So, yeah, I mean, obviously the acting thing just gets in the way of whatever day job you got to work. I already got two credits in movies this year. So for this year, I think acting is good to go. I don't need to do this crazy bouncing around thing. So you're set for the year. You don't want to act anymore. For the rest of this year, no. Okay. Because the result is how this conversation has gone so far, just all over the place and getting fired and maybe a gig here, maybe a gig there. I mean, I don't know if you heard what's going on with, like, the SAG-AFTRA strike thing.

20:01But, I mean, I think about those guys that are working for the big studios. I mean, there's no work for them at all. Yeah. And so they're doing all these kind of survival day jobs. Their resume probably looks similar to mine. Maybe not as crazy. Right. So crap. Where was I going with that? What are you trying to do? What are you trying to do with my life? No, no, no. So you get this job. We're not doing acting anymore. What are you doing from there? Just for the rest of this year. Be a trainer at 24. That's what you want to do. That's when you want to commit your time to full. Yeah. Okay. Yeah.

20:37Like nothing will get in the way of that. So the goal, this goal that you want to do in 10 years, we're going to hit with personal training. No, it's going to take some more work than that. Okay. So what, tell me just your path, man, your path. What is the path over the next 10 years? Because, okay, that's a goal. And I can, I would love to help you get there. But I want to hear from your perspective, what you plan to do. What are the goals that you must hit? What are the actions that you are doing to hit those goals along the way to get to the ultimate objective?

21:13I've written all this out and it's a lot of different steps that, you know, if I, if I knew, uh, I was going to describe this 10 year plan, I probably would have like printed out. Um, I mean you can pull snippets from your brain. Yeah, yeah, yeah, of course. Um, well I think it's going to be a matter of me trying a lot of different stuff, stuff which i've been doing yeah oh yeah so i'm gonna do that i'm gonna do the pt thing i'm gonna commit to it for at least the rest of this year yeah um

21:52hmm what i don't know you're just you're cheeky dude i am i'm a bit cheeky well i'm just going off of your own experience right this is what you've been doing this year you just get a job and you leave it. Yeah. Yeah. It'll make a great thumbnail. I mean, we'll talk about the thumbnail afterwards, but that's not what's important right now is we're in the conversation. Right. In the conversation. Go ahead, continue. How are you going to get there? So we're doing PT for this year. And then, so then we're at next year. It could go one of several different ways. if I score a big movie gig for like spring 2024, I might have to peace out from the career and do that.

22:41It might result in me moving up to like a higher end gym, like maybe one of these smaller operations out here, like a Squatch or the Squatch gym or like Onnit or like a nicer big box gym like a lifetime what are you doing to get there well if i did that once you get there um you gotta start there what am i doing to get there working as a trainer at like a cheaper gym for only six months and then you get into the bigger gym the higher paying it's doable yeah yeah yeah if you if you like kind of get your feet wet there like i've heard of it happening because I met a bunch of the trainers at the Lifetime gym when I was working there.

23:24Sure. Yeah. Okay. I don't know the industry, so I can't speak on it, so I'll just take your word on that part. Now, the movie gig that you talked about, that's a huge if. Huge if. Right? Yeah. Yeah. So we're not banking on that, correct? No. No. Just kind of leaving options open. Okay. So we're at the higher-end gym then, hopefully, at this point, which is a quick move from the sound of it, but let's just go with it. Okay. So what are we doing then? Well, again, this is if that happens, but okay. We're in that situation. Um, well, the main objective there would just be to get better at sales, get better at networking.

24:09Cause like when you're at a lifetime gym, you have to like work the floor. Basically you have to meet people all day 40 50 60 hours a week and that's how you get clients that's that's kind of the hardest part of did you could be a tech salesman so i see it in your face right now oh tech you could do it you look like you fit you look like you graduated from blah blah blah school of business with i i well uh this is going this is going in public but no i did not graduate from that school well yeah but i mean you just look like the poster child for that and you could be well i was immediately gonna say you should just get like certified course careers but i don't think you want to have that kind of job oh no i don't think it would work no i don't think so maybe i'd last uh maybe it'd last three weeks yeah yeah i'm gonna look at your finances sure Okay.

25:07Let's do the numbers. We have a couple different documents. Tell me what this one is, the one with a bunch of spending. Oh, yeah. Again, I downloaded it from my bank. They gave me this Excel spreadsheet. So that's going to be probably the credit card. You owe on the credit card, though. What? Yeah. What do you mean? Like, that's what that is. If you owe on a credit card and your mom had to bail you out$3 ,000, why are we possibly spending so much money on it? And it's on bull****, too. At least eat good burgers. You go in and out every second of your life. What's Vistaprint? Me and my buddy ordered some business cards.

25:43Oh, gosh. What's on your business card? Yeah, what? You've got a business card. No, I don't. Oh, really? No. Maybe we're just old school. Yeah, but what's on your business card? It's for Midnight Boardwalk Productions. It's his film and photography thing, and I collaborate with him on that. What's on your business card? Who do you give it to? I guess we're going to have to start passing them out. I'll give it to you right now if I had one. You don't even have it on you? No, no. It's coming in the mail. We designed it the other day. Okay. What's on yours, though? Is this like a, hey, I'm an actor, blah, blah, blah?

26:26It says actor, writer, producer. Okay, perfect. Even though we're not looking for any positions for the rest of the year. uh we went and spent a hundred dollars on this almost we are looking for position that's why i'm going to this interview tomorrow no no we're not looking for the in the acting space which is what's on your business card your business card does not say physical trainer no no okay i'm done with this craziness for the year so we went and spent a hundred dollars on it when we owe money on a card and our mom had a bailout for three thousand dollars no i spent like 50 bucks on that because he's got to pay me back for it.

27:01Okay, so you covered for him a little. Gotcha. Family Dollar, Spotify, Dollar Shave Club, Big Clean. What's Big Clean? Because it's everywhere. It's a laundromat. Oh, that's fair. That's totally fair. That makes sense. In-N-Out Burger, In-N-Out Burger. We have so many options here. You just go for cardboard. You're not into In-N-Out? I'm into food. All right. Amazon. more big clean but again that's okay that's okay grab boost apple bills 30 who knows what you bought there starbucks do we need to be going starbucks when we're unemployed when we're trying to pay our mom well to be fair when when was that card that we're spending was that two weeks ago because i was employed two weeks ago uh just the but yeah no i get it shouldn't be okay not two weeks ago with the two in and outs though.

27:55I was employed. More in and out, more Starbucks, McDonald's. I know, but you had a balance on a card that you were not paying off and your mom had to bail you out. Yeah. Okay. McDonald's, Doc's Drive-In Theater, Chipotle, Grab Boost, Chipotle, getting some taquitos, walking into the gas station, getting those delicious taquitos. No, I don't need taquitos. Yeah, yeah, yeah. But essentially what that means here It's symbolizing bull**** money at a gas station that's not gas. Starbucks, Chipotle, Pueblo Viejo food truck. Now that's food. Panda Express. Now that's like glorious food. That's like king level.

28:34Okay. Hold on. There's laundry. That's okay. Bitlocks, LLC, Speakeasy, Grab Boost, In-N-Out, The Wiggle Room. What is Grab Boost? Oh, that might be. That's this gas station that's like next to my house Taquitos I knew it Chipotle more taquitos In and out Some picnic Taquitos Chipotle Taquitos taquitos Laundry Taquitos Yamath Mala Nando Panda Express I don't approve it in your situation To be very clear though and Ruro Picnic, Starbucks, Baby Acapulco, Taquitos, something, coat, tie, and Starbucks. So we're spending money on a card that we can't pay off and your mom had to bail you out, to be clear.

29:34And now, of course, you're unemployed. You weren't unemployed during some of that spending, especially some of the latter half spending. What are you smirking for? It's funny. No, it's not. How is being in credit? No, no, no. Your demeanor is funny. There's a reason you're successful as a channel. Like, it's good. I'm just me, man. I'm just me. But I appreciate it. So, as long as you don't think this is funny, because this is not funny. Okay. Because your mom had to bail you out. If this was just you and we wanted to do some, like, self-deprecating jokes, okay, whatever. But your mom had to bail you out.

30:09That sucks. It sucks. And you know what? She's enabling your bad behavior. Because she bailed you out. Now you have more that you can spend on your card because you're not reaching the limit anymore. We're just going out and doing all this bulls**t, and you're not even paying it off. You're accruing interest. Do you not realize how immature this is? I suppose not. Okay. So you are choosing to not go get a job that you could just go get right now, to be clear, to just pay this off. We could go get any$15 an hour job. That's what I'm doing tomorrow. no, you are waiting to get the specific one that you want.

30:49You could walk into water burger, slightly better burgers than in and out. No, I'm getting one of those jobs tomorrow. It's like I'm starting out as a janitor basically. I'm probably going to get this. Whoa, whoa, whoa, whoa, whoa. The gym is a janitor position. I think I missed that. Yeah. When do you, oh. No, like you work, like I work there and then you work your way into the trainer thing. So you think you're going to the more exclusive top-level gym in just six months? Starting as a janitor at like 24-hour fitness? Yeah, totally possible. Totally possible. Yeah. Yeah, if you're a trainer at the 24 or the Golds or the Charms.

31:27You're not. Yeah, but then you do the janitor thing and you move your way up. For how long? for uh i think i want to get a solid uh two and a half weeks at least three months i'll be i'll be i'll be a train for i don't want to just take a big dump on your dreams but i'm trying to be realistic to your just yeah that's why i'm here gloomy not gloomy to your just radiating optimistic life but the the that optimism is not getting us to a good space because it's not realistic. So I am having to play devil's advocate against most of the stuff you're saying. And we're not paying down this card either.

32:08So yes, okay, I'm glad. So we're getting a potential janitor position. But again, another immature part of this is you owe your mom money, you had to pay off this card, you're still spending on it, and you chose an acting gig of$600 over a$60 ,000 a year career position. I'm not going to be a concrete cutter for the rest of my life. Why? What's wrong with concrete cutters? Nothing. Okay. This is not what I want to do. Totally fine. Why don't we work that while we're getting out of a bad situation and apply to other positions that we want to do and then leave that once we have the position that we want?