I've Finally Met My Match | Financial Audit

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23:54Thanks again to Kickoff for sponsoring today's video. Let's get back to it. Still not there. Okay, so... Listen, okay. So what you're trying to do is just become... You're just trying to build this business. Yes. That's the main goal? That's the main goal. That's what we care about. Yeah. You know, I see a lot of other YouTubers, make content out of cars, fixing whatever, buying rec stuff and fixing it. I'm sure a very saturated market on the content side. Yeah. Okay, so that inspired you to get into cars? Is that what you're saying? No, I've been in cars way before that. Are you saying you're trying to make YouTube?

24:36Trying to, yes. As part of advertising or as your career? More as a career. So is the cars or is the YouTube? Can it be both? ¿Por qué no las dos? Potentially, but you do have to hyper-focus. I mean, because at that certain point, I mean, let's think about it realistically. You think the car people that are making a true living off of YouTube, you think they're curating their YouTube videos off of what's making the money in their car business? Or you think they're curating what they're doing on the cars based on what works on YouTube and makes them a living there? I haven't given a thought. You haven't thought about what content to make?

25:12Okay, that's an interesting strategy for making content. Okay, and you know YouTube requires speaking in full sentences. Yes, I do know I want to make content with cars. No, we got that part. Yeah. You've gone two points ago. I just said, are you going to do your YouTube content based on the work you're doing on cars that is good for your car business? Are you going to do things with cars based on what's good for your YouTube business? because it rarely, rarely ever hits both. In fact, well, no, obviously it would be more on the YouTube side. Yeah. So YouTube side. Yeah. Even though you're kind of, well, actually not really, making money from the rest of the stuff.

25:53Yeah. So you've started a channel and you're uploading. No. See? See? See what? No, I'm saying see, that's where I want to get to. Well, I mean, I do have a channel. That's where I watch a lot of stuff, but I haven't posted anything because I'm just, I don't know where to start, you know? Post. Post? Honestly. Okay. Like without even memeing on you, just post. That's where people fail. Just post. Start somewhere. Okay. Learn it. Don't learn it without doing it. Buddy, I don't know. I don't think you know what you're doing when it comes to running a business at all. And no offense, but here's the thing.

26:34I mean, did you know everything when you started this? I don't think so. When I started this, no, but I wasn't jumping in out of the gate with running a full-fledged business. What I did understand was content creation, which was the first part of it. And then I learned the business side as we've grown, and we've scaled up to almost 30 employees. Okay, so I'm not a full-blown shop. It's just me by myself. Exactly, but you know nothing about YouTube. And that's okay. That doesn't mean you shouldn't start YouTube. But you're going into it thinking it's all of a sudden going to be a career. That I need to put a – you know, I need to set the record straight on that, man.

27:06That is not how this works. One, car, very saturated YouTube niche. I know, even though I don't know about cars, I do know about that YouTube niche because my initial investor was in the car world. I sold 10%, bought it back after a year. Either way. Yeah, he was in the car world and I know how brutal that content can be over there. We've talked about it a lot. And unless you're bringing something unique to it, which is honestly kind of hard. Even finances, it was kind of rare for me to find this unique thing. Like I'm not jacking myself off right now. Let's just talk about the YouTube landscape to be real.

27:39Like I did get a little lucky in this. The fact is there wasn't a true breakout shift in the finance space in years. Finance nation was kind of set. All the players were set. It came in with something fresh. The players were set in the car. What's that little short guy's name? Stefan? Graham Stefan? No, he talks with the camera and talks about financial topics. Well, isn't that what you do? Are you a moron? Am I talking at the camera right now about financial topics? Yes, you were. No, I wasn't. I've seen your little lazy icon looking at the camera. My little lazy icon looking at the camera? Yeah, your right eye.

28:17What is he talking about? No, I'm trying to actually give genuine advice right now on the creative side. I'm not jerking myself off about how we've been successful here. I'm just trying to give an example about breaking out of the finance space. The car space is also very set. it doesn't mean people won't get in there. But what are you bringing that's interesting, that is different, that is going to get people to watch you instead of the car-related channels they've been watching forever? Mechanic-related channels that they've been watching forever. Well, I mean, that's something you figure out as you go.

28:48I mean, you can't have. Okay, great. So you brought in$1 ,000 from your business. You thought you brought in at least five to seven. Yeah. When it comes to that part of the business. Yeah. And it was$1 ,000. No, it was more than that. It literally wants it. There's no count of it. Well, then where did it come from? Where did it go to? Bills? No, no, no. Okay. Okay. So what you are suggesting with that is that your clients directly paid your utilities. In a way, yeah, because they paid me for... They paid you, which means it would have hit your account. And it would have gone out from your account to pay your bills.

29:27So we would have seen that income. That income would have been visible. But I don't always use... Sometimes it's cash. You're a dumb son of a bitch. I just asked that earlier and you said no. You just asked that earlier. Yes, and you said no. No. Was it cash? Huh? Undeposited cash? It was, maybe I didn't put that statement in there. Yes, that's what you said. No, I think that's what you said. Oh, my, dude. Oh, he is, good luck, man. Honestly, good luck. I don't know. I'll give you a financial audit, but I don't know if you have the ability to make it in life. You might need to be shackled down at a job somewhere forever and coddled.

30:12How are you surviving? I'm doing good. How are you surviving? Are you happy? Yes, I am happy. Really? It doesn't look like it. I'm not happy talking to you, but I'm happy in life. But I do know, I mean, okay, I mean, this is sad. Sorry, I did not have this note. If this is why you're a little kind of funny right now, I didn't know your ex just passed away. What? You told the producers your ex passed away. No? You are... Colton, did he tell you his ex passed away? He did. Well, he did. So, what the... Well, she almost did. Just kidding. Just kidding? Yeah, no, she's not dead. She's alive. I mean, she's dead to me, but not.

31:12Oh, that's different. That is very different. I was about to be very empathetic. She's dead to you, so you guys broke up? Yes. How long ago? Long time ago. Why do we care about this? What the f*** is happening? You're the one that brought it up Yeah I thought maybe you were in a little bit of a slump here Because you literally just told the producers Your ex passed away Nope So what is your plan big guy Before we jump into these finances Because you know you have debt Even though you say you're paying them down And the balances are going up And it's interesting how both of that can happen at the same time But what's your plan for paying off debt?

31:49I want to hear your financial plan Well I mean I gotta stop going out So cut back Right so let me summarize our entire plan Cut back You have no other strategy Behind cut back That's all you got If you have a lot of stuff coming in You gotta Give me A detailed plan Start to end your financial plan I don't have one What you would think I want to assess just where you're at In your knowledge of finances What you think If I'm assigning you right now, needing to come up with a financial plan, leaving this door, what do you do? Go back on expenses. You have kids? You have children? I have eight. Ladies and gentlemen, a financial audit.

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33:15And guess what? Just for the next two weeks, you can try it for free. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go. You have eight kids. Yeah. I'm not just kidding. I have two. Dude, are you... Okay, you don't... Alright, I'll be serious now.

34:02Have you not been serious? Yes. Listen. You have two kids. You f***ing have two kids. You! How old are they? 5 and 12 Do they live with you? Halftime Really? And what are you doing? You're f***ing everything It's no longer They're taking care of It's no longer comedic When kids get in the picture Excuse me, do you have kids? No I don't know what that has to do with you not taking care of your kids Well, I'm taking care of them Every time I give you something that you're doing wrong You say, well, do you? It's like, what the? You're a child. And you have children. Yes, I have children too. It's always the dumbest people to have, the strongest nut, let me tell you.

34:53F*** it A, man. What's your detailed financial plan leaving here? If I had to assign it to you, tell me what you would do. Like I keep saying, I would get rid of stuff that I have cut off, you know, like stuff that I don't really need. Try to get rid of stuff like a truck. I would try to minimize stuff that's not going to help you think. But keep trying. Minimize expenses that are not necessary. Oh, that's the end of it. That's our detailed plan. Well, I mean, that's a start, you know. Good, man. That's why I'm here. Oh, for fuck's sake. That's why I'm here. There it is. There it is. Bingo, ding, ding, ding, ding.

35:34Everyone wins a fucking dildo. Great. Come on, you can take yours off. Huh?

35:43He thinks his brain is so fast with his little zings. But you just said to take mine off? Yes. My dildo.

35:59So, can we get back to the topic? You are a creature that I have never come across. A creature like yourself, man. My pleasure. This is very interesting. And you feel like you always have to fill the space with a word like that, that little response. You don't have to. You're so weird and then you're incapable of actually like. Who are you to tell me how to think or what not to say? I didn't say either of those. What? I didn't say how you think. Oh, in terms of you filling the air? Yeah. Well, based off the 30 minutes of this conversation where you've done that every single time. Oh, that's the first time he did it.

36:40Oh, there it is. I'm unique. There it is. He did it. He figured it out. Okay. What do you think your finances are? Zero to 10. Zero being the worst, 10 being the best. I'd say like three, three, four. Why do you think? Because I'm not, like I said, I'm paying stuff off. But I mean, it may not seem like I'm going anywhere, but stuff getting paid. That's it. That's your whole score. Yeah. Okay. He is max, max three-fourths of a sentence is what you're capable of forming. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only.

37:28Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California and for delivery. Right. If you want your score, go to CalebHammer.com. take the assessment figure out where you stand in the world of finances and if you don't want to be like a guest on this show make sure you sign up for our DollarWise budgeting app you can take the free trial and you can sign up for the annual version that saves you a lot of money and it also allows me to sign a budget friendly cookbook and mail it directly to you and you can sign up for DollarWise Central as well which comes with the premium version and all of our educational material bundled together 80 % off dollarwise.com you get it for free big guy if you can figure out how to access it when we send it to you you get it for free I'm pretty sure you're pretty sure what?

38:05I'll put it all figured out. Do you have a computer? No. Of course I do. Come on, who doesn't... No, I believed you. Well, don't believe me. I do have a computer. Don't believe you. So your version of trying to make something quippy is by three times now in 30 minutes. So once every 10 minutes on average. Saying the wrong answer and then saying, I'm just kidding. Let's get him to the comedy mothership Ladies and gentlemen This guy's gonna be a new regular there Rogan get him on More like What's his name Well done You really did that You did that incredibly Thank you Okay apple card So what's going on with this card big guy What's going on here Whole lot of expenses is...

39:05Detailed as always. You know, yeah, so pretty much the debt you see there is, you know, on vibes, experiences, so... What do you mean? Yeah. Bad explanation, if I'm being honest. Try it again. What do you mean? There's a lot. I mean, don't you see what's... what purchases I've made? No. It's the first page, you silly goose. Okay. I'm asking you what's going on with this card. I like to see what a guest thinks about their card before I go into it to see if they even know what's going on or to see where their head is at. Maybe just try to answer the questions I ask so I can try to proceed to this conversation and actually give you something helpful by the end instead of being an incompetent dick.

39:53How could it be offensive if it's true? Okay, first of all, I'm not 100 % in love with your tone right now. What's going on with this card? That's a very overall use card. You know, groceries. There's a couple of car parts in there. Okay. So business expenses too. Yeah. It's an everyday card plus business. Yeah, you'll see that there's a couple on there like that. You all right there? Okay. My burp? Yeah, it seemed like you were going to pass out or something. Hey, I'm just asking if you're alright You don't need to get all hostile I'm not, I just burped I'm just a little confused So your balance is$5 ,987 About that As of today It's actually a little bit higher Just a little bit though We're paying off our debt We're paying off our debt We're paying off our debt What's the new balance?

40:53Just a couple hundred bucks What is the new balance you take? Answer the question 6 ,800 something 6 ,000 8 That's not a couple hundred dollars That is$900 higher Couple hundreds Would be a few hundred Oh Hold on You're from Central Coast? Yes Were you born there? No, I was born in LA Okay Then I don't know why you don't know words I'm asking your questions No, you're not, that's the point You're saying where was I born? And I said no, not from Central Coast That would suggest$200 more $900 $900 more It is$900 so that pull it up pull it up on your phone pull it up on your phone that was actually pull it up on your phone that was a trip to Italy you went to Italy yeah who the f*** are you you have a child plus one to take care of you don't make money you sold cars you already had and you're considering that income you don't make s*** you've abandoned your children Not at all.

42:20Pull out your phone right now. What do you want to see on it? The Apple card. You creature. Settle down. Dude, if he just answered my questions, I would be so civil. I would be so civil, but nothing upsets me more than someone who just can't answer a basic ass question. Parking. Apple Bill. Frontier Airlines, Southwest Airlines, double trip. Expedia. There's car parts. Going in and getting some bullshit. Going to the gas stations to get some bullshit. Minerals spread? Something. I don't know. Western Village, Crave Mini Donuts, Domino's. Going in and getting some BS. Craigslist. You cruising? No, that's for vehicles I post.

43:17Strictly business. Good F*** death, dude. What is your minimum Payment on there? I didn't see. Like 187? How about you actually pull it up And look because I don't believe anything you say You would have looked Yes, if I would have looked and I said I didn't so I'm having you pull it up again This is how this works You're wearing a fake wash t-shirt It doesn't make you look good Thank you, so you don't look good As well

43:53yeah what's the balance big guy

44:00hold on hold on 172 do you need to see that it's a 172 minimum okay so it hasn't benefited no as long as you read it buddy as long as you're not trying to lie or something which i don't know well are you gonna say just kidding are you gonna pull the fourth one i ain't saying nothing 172 i'll show you you want to see it it's okay okay when we talk about personal finance it's about risk management things like building emergency fund or investing instead of blowing those dollars on taquitos but when it comes to the real world what if protection could be something you subscribe to i'm not talking about another streaming platform or gym membership that takes an arm and a leg to cancel.

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45:21Visit theguild.io to learn more. Your future self will thank you. This is not an offer to invest. Terms and conditions apply. The guild is a creative property of Activision. Trademark and copyright 2025. Let's go through your purchase in the most recent. By the way, how long do you think this is going to take to pay off? If you only make the minimum payments, and you do not make any purchases. Realistically speaking. Realistically, perfectly. Realistically speaking. Like, two to three years. Dude, this guy's... Okay. 20. But see, so, I don't see it like that. But see what? It's 20. Yeah, but at the same time, I'm getting something out of that, you know?

46:00I'm getting trips, you know? You're getting trips? Yeah, I'm getting trips out of someone else's money that you're getting interest in. That doesn't take you forever to pay off. Yeah, but I'm still paying it, so it's coming out of my pocket. Experiences, you know? Have you had any experiences? Yes. Why do you keep throwing? You're so weird, dude. You are so weird. We go on trips with me and my friends, my boys, you know? Is that even a family with your kids? It's just you and your boys? Oh, dude, you're not. I'm planning next year to go take my boys. Can I let you know something? Can I just be honest?

46:38I don't think you're a good person. From hearing it, you don't seem like a good father. Oh. I'm sorry, but it doesn't seem like it. How, so what do you mean? Okay, you quit your job, you make no money, you sold, the only money you had was from cars you already had that you've sold. Now you're going on trips with the boys, putting yourself in a worse financial situation. That's not on everyday basis. You can get evicted, you can struggle paying for food, and the kids that you have to take care of half of the time are there. So, fuck you. Yes, that is what a bad father would do. You don't prioritize boy trips over taking care of the kids.

47:08I take care of the kids but it's on debt now once the debt's all maxed out and you can't open anymore no you won't you don't have a job for two months and you've only sustained yourself by selling cars you already had you have a truck left to sell this past month was you've had two months not the end of the world that's 50 % the only reason the first month did well which by the way I actually don't believe because once I called out the second month you're like, oh, wait, no, I didn't do well. But either way, if your first month did do well, it's only by selling. It's only by selling the cars you already had, the vehicles you already had.

47:46Italy was three weeks ago. Fuck me, man. And it was a boy's trip. That's not what a good person does. You don't fuck other people and you could be f***ing your kids. They don't have a college fund. You could get evicted. Putting food on the table gets hard when you don't have money. You don't put the boy's trip over that, dick. In my defense, my kids are taken care of, right? How? It's not like, oh. Tell me how they're taken care of. Well, yeah, they have a roof under their heads. Until they don't. You think no one loses a view? I lost my train of thought. You freaking interrupted me. No, no, no, go ahead.

48:20They're taken care of. Go on, please. They're taken care of, yeah. They have food to eat. They got clothes, you know. So it's never, you know, nothing's been an issue with them. Clothes, probably dead. Food, probably dead. Until they're maxed out. Nope. No. I have, you know, there's jobs that I have, you know, I pay cash and I get them stuff, so. Okay, IRS, ring, ring. Okay. What? It's not like, you know, freaking. In your rent, right? Yes. Yeah, 7.8 eviction filings occur per 100 renter housings in California a year. 7.8 % of renters get an eviction filed against them. And you suggest that no it's okay.

49:11They have a roof over their head that is not a permanent thing. That is almost 10 % get an eviction filed against them. That's substantial. Okay, well I don't let it get to that point, you know? No, at some point it doesn't become a choice unless you do something illegal going the road you're headed. You've lost of things to sell other than one truck. You're bringing a thousand from your business. You spend it all on boys trips. The food and clothes goes on debt. Debt gets to be maxed out. You can't open any more debt except for payday loans and eventually they stop approving you. Then you can't pay rent and you get evicted and then good luck ever getting a place again.

49:49Yeah, that's all what if, should have, could have, would have. No, no, no. That's what happens to real people. That is not what should have happened. No. That is not in the past. That is the future. These are possibilities. These aren't hypotheticals of the past. These aren't hindsights. Okay. This is what happens to people right now.

50:10And you think nothing of it? Again, that is what a bad father would do. You thought a lot about it, yet you say it's not possible, so you haven't thought about it at all. Or you've just completely found some cope. There's other dads out there that are doing way worse, you know? What does that mean? Just because the dad is hitting their kid doesn't mean you not being able to pay your rent is good. But I am paying my rent. For now! Do you not understand what I am saying? Nearly 1 out of 10 renters yearly. That's why I'm taking control of it. Come on, dude. Three weeks ago, you and your boys were giving each other blowjobs on the plane to Italy.

50:51Oh, and you're buying$540 Gucci bucket hats.

51:03you're a douche no yeah you're kind of a douche in my defense i've have sold that had already so in america half of every dollar spent on brand medicines goes to entities who don't make them while middlemen like pbms and 340b hospitals drive up costs biopharma is investing 500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. What did you sell it for? 300. Jesus Christ. Yeah, there's no way in hell it's going to get to survive.

51:51And that shows us how close you are, by the way. So in the last month on the Apple card, Apple bill, go in and get into bullshit. Okay, tell me when you go to the gas station and you spend$3 to$5, what the fuck are you getting? Energy drinks. Of course. Oh, there it is. Oh, look at that. Why don't you bring it into screen for everyone not sponsored? Show them what you got. There you go. All that instead of a roof over his kids' heads permanently in the future. that makes no sense. Why are you not buying a bulk? Why are you not going to the Costco or the Sam's Club or even just Amazon at that point?

52:30Buying individually is brutal. Brutal! I mean, in my defense too, I buy the little caffeine pouches, so those are like six, a pack of what? Six to eight for two bucks? But then why are you going like every day? And then Lime Ride Pizza. What? Lime Ride? Piazza. Lime ride. You got to say it right. Piazza. Piazza. Missouri Ford. Buonaparte. Piazza. So this is in Italy. Smith Heathrow. That's not. In-N-Out. Western Village. La Mia. Nick the Greek. Baskin Robbins. Going into the liquor store. There's the cope. We found it. It's ridiculous, my guy. Listen,$620 of interest charges here alone on this card, which is substantial for your$0 income, essentially.

53:2823.24 % interest rate. 23%. That's not bad. It is, but I'm not going to even go down that. Like, okay. Like, how do I even... Okay, what's an example I can even say? Why do you think it's not that bad?

53:47because like i said it's

53:51why do you think 23 is not that bad because it's like i said there's people out there that are paying way more interest tell me how that makes yours not bad though i mean it makes me feel not like it makes you feel so it's a cope you're coping yes but that does not mean it's not that bad. Correct? To me, it does. What is the to me? Some things are objective realities. This is objectively bad. You disagree? I disagree, yes. How? Please tell me. It's not objectively bad because other people have a worse? Yes. And because other people will have a worse, can you tell me why that specifically makes it not bad?

54:30Regardless of your feelings. Well, I mean, not that it's not bad, but it's like, you know... That's what we were just talking about.

54:38I just don't see it that way That is not a response What good am I going to be stressing over a credit card that at the end of the day I'm still going to have to pay You wouldn't be spending on it in that case I'm bullsh** I'm Piazza Piazza, yeah Uh-huh, you wouldn't be spending on it Well, I'm not spending on it anymore, so Okay, I just saw it Yes, you are. Since we got the statement, which was last month, it's gone up$900 or a couple hundred dollars. Yeah. Well, it's not going to go no more. So. That's not an answer. That's not an answer. That is, see, and this is what the worst of the worst to do on the show.

55:19The moment they are backed into a corner to try to explain what they've done or what their mindset is, they said, well, I'm not doing it anymore starting today. That is not an answer. I have no proof of that. I have no trust to that based on what you've done. You do not get out of a point by saying, oh, I'm going to stop it at this exact moment. That is bullshit. That is not. Okay. Because I'm, yeah, I am going to stop, you know. I hope so. After a trip to Vegas. You're going to Vegas? Fucking when? I don't know yet. Maybe next month. Maybe sooner. Rinse takes your laundry and hand delivers it to your door.

56:00Expertly cleaned and folded. so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. It's not booked? so you didn't even book it and you're planning on doing it and you think you're willing to do that after this show you're willing to do that so it's I'm gonna diet after this week I'm gonna have one more week of fun then no one ever starts it's a mite a mite is nothing to me you told them it's already booked yeah they're chatting to me they know you they know your entire life they're telling me it's already booked is it already booked or was that I'm just kidding Huh?

56:59Yeah, it's booked, but not by me. By who? By some friends. It's a boy's trip? No. What is it then? It could turn out to be a boy's trip. So you're a douchebag. You are a douchebag. Good. And you have to Venmo them? No. Okay, so you don't have to pay for your ticket. Yeah. You do not have to pay for your ticket. No. Why? So this was actually a bet that we had going on, And then one of the friends lost. And the bet was that if he lost, he would have to cover a trip out to Vegas. What was the bet? That. So one of our friends is lesbian. And she does not give off lesbian vibes. So we tricked him into.

57:49Because she was into. Like, she went up to him. Tricked him into what? Like that he could have gotten with her He could have So the bet was that he That if he did Which he thought he would That someone not attracted to men Yeah Yes So And then he pretty much said It's the done deal And little did he know That was not going to happen That she's lesbian Yes So he goes as a trip to Vegas

58:26Okay And he is paying for everything So you are paying for no hotel no food No hotel no food No gamble He's paying for your gambling No I'm not gambling He's paying for your shows whatever you're doing there Everything not one cent from you is being spent Well I mean maybe Like a hundred bucks me Uh huh And where are you getting that hundred Let's go from... Okay, they are calling you out. I don't know what you are if you're on camera and nervous to tell the truth, but they're saying he loves going to a casino. Don't let this talk fool you. No.

59:16Sorry, I stole the camera. or I'm sorry, the microphone. So here's the thing. We were sitting in the green room and Mateo gave me his cell phone, right? And I was trying to log him into, he was having an issue logging into the guest wifi. And as I was holding it, he got a text message from somebody and then the name of Chumash Casino. And now here's the thing. I'm gonna call myself out. I love Chumash Casino. So we had a long conversation about Chumash Casino and I saw, and the thing is, I know he lives 30 to 40 minutes away from there. I know that he told Colton when they had their pre-interview phone call that you go all the time.

59:54But then he also told me that he's now maybe going to be doing some work with them, which here's the problem. When you get paid by a casino, you spend it at the casino. So that's what I know. Colton, did I miss anything? I'm also going to Vegas in August. So we were talking about also going to Vegas in August. Yeah, so Colton's going to Vegas in August. You told Colton that the trip's already booked. So, yeah, I feel like you're skirting around some things here. You're a lying piece of s***. No. Come on, you just told me. How can I trust the words you say in this conversation? You certainly can't trust that you're going to change anything after this.

1:00:38I'm trying to be as honest as I can. No. Yes. No. No, objectively not. That's happened maybe one other time that we filmed. That is not an indication of someone that tells the truth. Yeah. These children, man. You have to get Dean Withers on the case for this one. Dean Withers. Okay. The freedom card. Oh, wow. One card in. Oh, geez. Freedom card. What is this? Freedom card. What's going on? That's an overall credit card. That's what you said for the last card. Yeah, this one as well. Surprise. So it's not the, it's... One of many. Okay, so are they all overall credit cards? Yes. What are you doing with this card in your...

1:01:29What do you even think you owe on this? On which one is it? A freedom card. Chase Freedom. I think there's one that's like$1 ,200. There's two Chase Freedoms? Yes. Oh, sh**. $3 ,448.08 with a minimum monthly payment of$109. 13 years to pay this one off. Both kids will be out of the house. So that one I tend to use a little bit more if you see transactions for vehicles for business. Well, I saw that on the other card too. Yeah. Like I said, it's dispersed. But it isn't either. There's a Cumwash sports bar. Whoa. There's no sports bar in there. come wash sports bar and Mercadio can nurture some I don't know but yes there is a lot of auto spending on here now does that make sense if you can't pay it off in interest as accruing if you went into O 'Reilly and you bought a part would you pay 30 % more for that part if there was a 30 % tax on it no well that's what you're doing because you put it on a card with a 27.99 % interest rate so you're paying But I mean, essentially I'm going to get that money back.

1:02:41No, no. Yes. Well, you're killing your margins because let's say you have a 60 % margin. Now you're killing that by half. Like I said, I'm going to make that back. Yes. So you're going to do a 30 % markup than the market demands for these car repairs. More like a 20. A 20 % markup over the market. Yeah. So why are they hiring you? clearly they're not because you're not making dick but why would they hire you if you're 20 % higher than the market? Because you have to be in order to make up for what you put on a credit card? Yeah. Why are they hiring you? Because it's they know me? No. You made a thousand last month.

1:03:24Why are they hiring you at a 20 % markup? Which even still does not cover that 30%. Who do you mean by they though? Customers. Because they know me. You made$1 ,000 last month. Yes. So why would anyone pay 20 % over market rate for these? Because there's certainly no other mechanics. Because they're not going to pay that 20 % less and go to the store themselves and do it. No, no, no. I'm saying compared to the market, because your costs are higher to run your business and get your parts. If they go to another mechanic, it would be 20 % less. Well, yeah. But like I said, that goes back to them knowing me.

1:04:02You made a thousand dollars last month Clearly people knowing you is not working You're asking why they go to me Okay so we're relying on like five people Going to you Five people is not living Is there another part of this household? Are you alone? Yeah What's your rent? 22 Oh

1:04:33Not bad, is it, for California? Oh, shut the f*** up. It's not bad. Shut the f*** up. Still not bad. Shut up, dude. Look, content creation takes a ton of time. I shoot everything myself, and even with the team now, there's always reshoots, retakes, editing, it adds up fast. And honestly, sometimes I wonder if I should have just started a faceless channel and saved myself the headache. But here's the thing. People connect with you. The face, the voice, the delivery. That's what builds trust. So if you're an aspiring creator and don't have a crew or tens of hours a day to make one video, NVIDIA is going to save you.

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1:06:24This is how creators scale without burning out. Let's get back to the episode. That makes no sense. How could you, how, how, how, how, how, you're suggesting you're never going to be one of the one in 13 people in California that are going to get an eviction filed against them this year. When your rent is double what you brought in last month without selling a vehicle and you only have one vehicle to sell left and then you're done. because even flipping a car, let's say you flip more cars, right? You have to have money to be able to buy the thing that you're flipping. Even if you're buying it on the cheap, selling it a little more expensive, you have no capital.

1:06:54You have no capital. You make no money. I'm going to start making money. No, it's impossible. What do you mean? Okay, what's the strategy besides charging 20 % more than anyone else does? Which is a winning strategy and very bold. Think I'm just going to get another job and then? Well, there you go. Now, that's an actual solution. Yeah. Why'd you quit your job to begin? To kind of go on my own, but. With no plan? With no plan. Well, I mean, it was an idea, but, you know, nothing said as did. No, no, no. It wasn't just an idea. You quit your job. Yeah. This was not just an idea. I thought it was going to be a lot easier.

1:07:32Why? Why would you suggest that? How many successful business owners are there? Businesses fail in the first three years endlessly. So what the fuck are you talking about? You thought it was going to be easy. You know nothing. I mean, one's naive. Why did you think it was going to be easy? Because I thought I had the right people around me. Right people around you for what? To kind of advice, you know? Advice, okay. What would their advice be that you took that has not worked?

1:08:04I don't know. That's a tough one. Now I know why you actually left. Because, again, you either don't remember the real answer or you're too nervous to say it on camera or you're a lying piece of shit. But your coworker influenced you to leave. And I am not surprised because they showed up every day to work and you were there. I'd influence you too. In fact, I'm about 30 minutes away from influencing you leaving the studio. You've had a late fee this year so far. So not only the interest alone. Just one. It doesn't matter. It's a late fee. Yeah. You are paying money to hold a balance that is accruing interest, that is preventing you from ever having a successful business of any kind ever.

1:08:52Why does someone like you think you can even go to Italy? That doesn't, you can't even come close to a phone number. That was before. Before. No, it was three weeks ago. Before getting thought into anything, you know. It was three weeks ago. You were still an entrepreneur at that time. Oh boy Ladies and gentlemen Yikes Hundreds of dollars in interest Accrued that year This year so far on that card PayPal credit What's going on other than this is just a card I use So that one is more Online purchases Online? Online because I have it set up two words. Checkout is... That's so easy. Yes. Well, you online purchase obviously endlessly because you owe$3 ,835.95.

1:09:5314 years to pay off. That's with the minimum though, right? With the minimum without any purchases. But again, you purchase$244. So, fuck you. And you only put on it towards the minimum. So, oh, fuck you. right back at you $125 is your minimum oh it's for Airbnb what Italy the Miami what for what that was a while ago no it was less than a month ago yeah that one was

1:10:34sorry I got a little mixed up Yeah, there was one in there for Italy. You got mixed up? Yeah. How do you get mixed up? Because I... You travel that much, you dick. You have kids. You're a father. What? Fathers can't travel or what? No! Not when they can barely keep a roof over their kids' house. They have... You don't pay child support. No. Because you got 50-50 custody. You get any money? I know you get maybe a part of a tax child credit. Mm-hmm. Just at the end of the year when I do Texas, yeah. Yeah, switch. Good luck this year. Air f***ing B. Air mother f***ing B. Those are a lot cheaper. No, it was for this.

1:11:14No, it was for this. I have the f***ing notes. You used this card to pay for the music festival trip to Miami, and you admitted you traveled to impress women you're dating. You wanted to impress a woman that you were flirting with. So you took her on a trip to Miami. Oh my f***ing These are the people making children.

1:11:39The trip was$2 ,000 in total. The trip was$2 ,000 in total. Yeah. That was a couple years ago. You can't travel just to impress women, dude. That was that one time. Why the fuck are you telling producers that? See, I don't believe you because you tell them stuff when it's like, oh, the camera's not on. and everyone's a lot more willing to share, and all of a sudden you're on camera, and you're just like, oh, backtrack, backtrack, backtrack. Shut the fuck up. That was just one time. Shut up. Don't believe you're worth anything. You've lost all credibility in this conversation. Oh, wow. What, you don't think you have?

1:12:16You've lied just kidding multiple times. No. Great rebuttal. Okay. Really convinced me. How many late fees have you had this year so far? On this card. On the PayPal. I want to say one. Okay, three. About just half this year so far. Yeah. Father of the year. Thank you. That's not cute. That is not cute. That is not funny. You are a father. It's disgusting. Disgusting! Hey, a father? I mean... It's disgusting. You got to think about mental health, too. You know, I need to go out, too, to kind of, you know... You don't know what... Flying to Miami for sucking dick in Italy? Whoa, whoa, whoa, whoa.

1:12:59So that's something you probably would do. Yes, I would go to Miami and fuck. Sure. No, Italy. Oh, sucking dick in Italy? Yeah, that's something you would do. I'm okay. Like I said, it's something. Yes, it's not, you know. You know you endlessly just do the I'm rubber, you're glue. Anything you say to me sticks to you. That's your entire existence. Sure. If you want to call it that. There it is. Kind of again. In a different format. Yeah. So like I said It's It's something that That you know Takes me off You know Yeah but it's endlessly And it's your entire Household financial situation Which impacts your kids More than you Come on In a slightly Upset mood for one day Unless you're a horrible person That takes it out of them Then I don't have that fear You don't know me Are you someone that Beats your kids No The hell Then why are you saying that Well yeah you're making it seem like Well you're just saying I'm a horrible guy I just said unless you are and you said well you don't know me well yeah that's what I'm saying I'm not Dean Withers thanks for keeping us on our pacing I guess do you like a producer role yeah you have some deferred interests happening but that is for a very small balance compared to the rest of this which is at basically 30 % is that the freedom we're talking about PayPal buddy the freedom was 15 minutes ago.

1:14:30It was because there's two. PayPal credits aren't even similar. Oh, no. Oh, why? Why are you breeding? Bread, not breeding. You're getting bread? I said bread. I told you guys. He's the one who gets bread. Yeah. With the boys in Italy. Something you will do. Good one. Bonvoy card. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree.

1:15:29Seriously, with these savings, why shop anywhere else?

1:15:36What's going on with this, I dare ask? So that one started off just going to be actually pay for the tickets to Italy. And then it turned. Wait, hold on. I saw flights on the Apple Card. Yeah. From two different flight places. So how many trips are we going on right now? None. So Italy was a little dispersed, if it makes sense. No, it doesn't. I used multiple cards out there. On one purchase? How many flights did you buy? Were you flying around Italy? No. We already had two flights on your Apple card. What do you mean, flights on your? So not flights. I could have sworn I bought the tickets with that card.

1:16:23Okay, so you owe$5 ,149.91 with a minimum monthly payment of$157. And the balance is a little higher.

1:16:39What do you have right there? Bonvoy card. The balance. What do you have right there? What am I asking? How would I have known that? $5 ,149.91 $6 ,000 Flat? $100 Okay $86 Oh, for fuck's sake, okay Which is not bad, actually Minimum, what's the new minimum? $200 Let me pull it out before you scream at me I'll get you on the FizzCard Debit card that builds credit That way it actually controls your spending I'll also gift you a course career certification so that you can go get a real job. What is a real job? Uh-huh. What's the minimum monthly?

1:17:31Oh, my. What's the minimum monthly? Oh,

1:17:38my. It doesn't say. Because I just paid. It doesn't give me the. I'll say$175. good the fuck luck to us I was gonna say 180 something I was gonna say shut the fuck up $95 in fees this is an annual fee and$105 in interest it is an annual membership man paying a membership to pay interest what a blessed position to be in $206 in interest this year so far yeah cause it's relatively new balance that's so ridiculous Ridiculous. So f***ing ridiculous. How long are you in Italy? Because that's also opportunity cost. So you're not making income. Just out there a week. Okay. Destroying your life and your kids' lives for one week of pleasure.

1:18:33With the boys getting bread. Nope. You're the one who said it, man. Okay. What about the second freedom card? Second freedom card. so again that one's all over a little bit of car parts you should become a commentary creator instead of a car creator you're so good at talking $4 ,813 $4 ,813 with a minimum monthly payment of$161 16 years to pay this one off $113 of interest accruing, basically maxed out. No one's surprised. All these, you won't pay off any of these minimum payments only without any purchases, which we know you're incapable of, until the kids are out of the house, which, oh my goodness, I can't wait for them.

1:19:29Oh, you've had a late fee this year so far. Yes, I did. Why? Why are we having so many late fees? A ton on PayPal credit, one on both freedoms each. Bonvoy, probably. I didn't even take a chance to look and same with the Apple card. Why? Why so many late fees? Pretty much payment. Customers kind of lagging on payment. Kind of set me back on income. So hence the late fee. Well, walk me through that process. Customer payment process for you. Yeah. So pretty much they tell me I'm going to get payment a certain date. I don't get it. And I mean. Do you have a legal contract? No.

1:20:15But ask me if I do that. I do know. Yes. Huh? I said from here on, I'm going to do that. Of course, from this exact moment. How many times do you lose payments because they don't pay? I thought these are people you know. You said they're all people you know. Yeah, I do. So show up at their door.

1:20:36It's not that easy, you know? No. You can't walk. can't drive? Yeah, I could, but... So what's the complication? I mean, I do give them, but it's just them. They're just, they're in a hardship. You know, they're like, hey, I got a ticket. And why are you doing business with someone in a hardship? Why are you doing debt to someone who can't pay debt back? It's almost like you. Because they, in the beginning, they don't say that. You know, I go, okay, boom. I thought you knew them. Yes, but they don't tell me. So you're like, okay, here's a$500 deal. Cool, I'll pay you later. You come to them. Oh, I'm in a financial hardship?

1:21:03No, no, no. I work on their car. It's going to be this much. okay boom and then when I finish it I'm like oh they weren't expecting it. Pre-pay, pre-pay, pre-pay pre-pay, pre-pay okay I mean that's what mechanics usually do is they get a diagnosis say what needs to be done and then you have to pay for it and then they do it not everybody works that way that's what the mechanic shops do though I'm not a shop I know, you're right you're a failed business so maybe let's take a look at those who haven't failed okay so At least you're the one getting scammed instead of scamming everyone like most mechanics.

1:21:38Okay, so well done. At least I'm an honest mechanic. I'll tell you that much. No, no, you're a moron. When it comes to fixing cars, yes. Well, that's not giving me reassurance for the cars driving around Santa Maria.

1:21:57That just... Be careful on the heroes, ladies and gentlemen. No, that's the people. That's not... That's just people who have, you know, driving. They got to be careful. When people are on the cars, yes, they are driving when they're on the roads. Yes, that's what I'm saying. They got to be careful. Yes, be careful while you're driving.

1:22:20I'm glad we both can agree that when people are on the road, they are driving. Hey, you're the one that brought it up. No, I'm not. You just don't know. You don't hear yourself. I hope when you watch this back, you find it. I hope you hear what you're saying. So they're 27 % interest, right? 1 ,000 hours this year so far. No,$616 this year so far in interest. Pretty bad, huh? What was that? Pretty bad, yeah. That is bad. Almost want to give you a high five for that one. Discover it. What's going on with this card? That one I opened up to consolidate all my Chase cards. All the Chase cards that have thousands on them?

1:23:03Mm-hmm. Every time, ladies and gentlemen, can we, can I just, I need to just like sound that plays anytime this happens. When someone consolidates, they don't change their behavior. They rack up their debt. Now they have double the debt. So moronic. And honestly, it doesn't even make sense because you're still purchasing on this card. That was a consolidation card to begin with. Oh, you're purchasing on it because it's a 0 % card. Is that why? 22 years to pay off, by the way. Good luck.

1:23:28You're laughing about that. You're going to be reaching the age when you can pull from your tax advanced retirement accounts penalty free. When this card is paid off. Okay, dude. $143 minimum fee payment with a balance of$7 ,000, the highest so far,$142.38. That's insane. How is your credit score$693? I have no idea. Because prior to those, I was, you know, I had my... So all this debt just recently just went up, you know? Well, when you decided to randomly quit a job and go to Italy? Yeah, who would have thought? Yeah, no income and spending all our money leads to whoopsie bye-bye money. Yeah.

1:24:14A weird mathematical equation there that no one would have ever expected. What are you purchasing on this? It was gas. Yeah. I think. Or car parts. I mean, the new purchase, yeah, are strictly just like fuel. Yeah, but it's insane. You're just boosting it, boosting it, boosting it, man. And it ends in less than a year. Inches free. Inches free ends in about nine months with this. Eight to nine months. Eight to nine months. So you, without making any purchases, by the way, without making any purchases, by the way, you need to pay this off and you need to give about$893 to it on a monthly basis.

1:24:50$893 on a monthly basis just to pay it off before interest accrues. Now, because it's not deferred interest, we don't need to freak out about it and actually do that. But that is what we'd require to pay it off before interest hits. That's probably the worst one there, yeah. In terms of the highest balance? Yes. I would agree. Okay, slate card, what's going on with this? So that one was an old, or it's been an old one that just kind of lingers. I don't want to get it. Well, you literally had$133.48 of purchases on it, even though$30.42 of interest was accruing, even though you are not paying it off.

1:25:27So is this lingering? No, you're actively spending on it. What are you talking about? You owe$1 ,330.42. But I haven't used it in a while. Okay, you literally just spent on it, you actual dumb... You actual creature. You actual mother... You actual horrible father. What did they... It was this last month. It was this last month. there you go June and it was car parts which again it's like yeah you gotta do that for your business but you're doing it on a car that is accruing interest that isn't lingering you're boosting it bounce one up you tit but I mean how I mean when you have when you need to get a car fixed like I mean do you would you rather not fix it not get the job done Have you ever had a dream that you had?

1:26:24Your own car or someone else's? Somebody else's. I would rather you go get a job that pays you instead of you trying this on your own because you're a complete failure. No, not yet. Yeah. No. No. Literally, yes. Literally, yes. I beg to differ. How? Because I think when you're a failure, you're out on the streets, you know? You're almost there, man. you have no idea how close you are which is very scary and very upsetting as a father $43 is your minimum payment on this five years to pay off but to see the thing is that um what you don't see is i don't i don't always give the minimum payment of those cards you know i always try to get more buddy you had late fees on almost every card we look that's that was just last month no you had you had half the month so far on the PayPal credit alone.

1:27:17And the rest were just minimums. You put a little more than the minimum on this, but it didn't matter anyway because you still spent on it and the balance went up. So that makes no difference. So do the thing where you shut the f*** up and I'll be happy. No. Hey, creature, apparently you opened a new card, right? Isn't that what we talked about? Yes. At the beginning? So pull it up. Let me see. Pull up your new card. Not the card itself, the app on your phone. For which one? Your new card! Are you saying there's multiple new cards? No. Then which one do you think I'm talking about? Oh, for a f***ing sec.

1:27:53Okay. Saver. It's a saver card. Well done. Halfway to max out. You owe$227.40.

1:28:05Expected not expected transactions. Recent transactions. Yeah, so that one's been Okay, guys. I have an announcement. I have an announcement. He went to the restaurant downstairs right before coming on the show. Yeah, right downstairs, he just blew almost 20 bucks. Before coming on the show where I'm yelling at about his spending. Maybe he didn't think I'd see this statement, but that's not a chain restaurant. That is a local one-off restaurant at the sandwich place. Yeah, he went to it. It's pending right now. Before coming on the finance show where his purchasers are... Dude, you're a... Dude.

1:28:41Winnin' got some bullsh**. Winnin' got some bullsh**. Little Caesar's Pizza. Winnin' got some bullsh**. Oh, Winnin' got some bullsh**. Got some bullsh**. Got some bullsh**. Got some bullsh**. Okay, here's all the monster purchases now. Monster, monster, pollo, zucchini. Interest passed, Doofy. You just opened this card. Okay. Yeah, just take that. Okay, apparently I have a car loan. It says set an order. Pull from the last statement. Colton's saying you probably haven't attached it. I can pull it up. Again, not sending us your statements. It is a 2016 Tahoe. Okay. What do you owe on it? $22 ,000?

1:29:23Sorry,$19 ,000. $19 ,000? You owe on a car making$1 ,000 a month.

1:29:35What's your minimum monthly payment? Sorry. $5.92. What's it worth? Right around$18. That is true. Still underwater, but at least it's only$1 ,000. We might actually sell it and do something different. Except you're going to say you probably need it for work, but your work's a bullshit, and you're going to go get a real job, so I don't really give a shit about that excuse. What is the interest rate? You're going to be surprised for that one. How high or how low? Because with you, I don't really know. So this one actually was low. It's 0.3%. 3%, yeah. Okay, 3%. And what is your minimum fee payment on the saver?

1:30:19I didn't put that in. On the saver,$25, I believe. This car loan is so substantial. Huh? What is it? Saver? He can't do two things. Okay. Do I need to let you focus? Yes.

1:30:37No, no, no. Focus, guy. Almost there. I'm okay. It doesn't give me$10.17. Just sell me the minimum payment. Oh, sure. Whatever. I'll say$11. Yeah, this car is way too expensive for someone on your lack of income scale. If it was your previous job, it actually probably would have fit. But now it's not. Can you get your previous job back? No. Why? Because there might be a conflict of interest. We'll deal with that in the post show. You know what we're actually going to have you do? I'm going to have you call your old boss and ask for your job back. So we'll do that in the post show. Okay, checking account.

1:31:16That's it, right? No more debt, it doesn't look like. $146. That's not a lot. A snap-on payment so you have debt to snap on. Not anymore, no. That was your last payment? Yes. Well, you'll fall for it again. People like you always do. Zelling out money, ATM will draw. Who knows where the fuck that$100 went? ATM would draw. Who knows where the... That's$600 one. Panda stick, who knows that's the food. And zelly money out, $45. Far West liquor, cope drink, sure, sure, sure. I'd need it if I was around you, too. Carciana, snap-on. Going against BS. ATM would draw,$180. Where does all this cash go?

1:31:53Bills, like utilities, trash, yeah. Cash? Those, I pull it out, yeah. In cash? Sorry, no, no, no, no, no. The look of curiosity that Lindsay is giving you right now is like, what the... It's to pay some bills. Not necessarily. It's more like people that owe money or whatever. But I don't know high amounts of money to anybody. Huh? I'm sorry. I'm sorry. listen you're beyond me you're beyond this conversation and it's not a give up situation I'm going to pay for him to sit down I'm going to pay for him to sit down with a budgeting expert sometimes we do that when people are too lost this guy's too lost he can't handle this conversation I need someone who's willing to baby him for about 5 hours buddy you're done honestly and your budget's obviously because you don't make any money that's why we're going to call your old boss in the post show but you're done.

1:33:00Your financial score is zero out of ten. I mean, you're so beyond done. So make sure you come watch us in the post show. Maybe we'll learn more about that debt to friends, but we'll certainly call his old boss and ask for his job back. That is for sure. See you in the post show. You are calling him right now. I don't give a f***. You are calling him right now and you are asking for your job back. This is crazy. Hello? So I'm trying to see if there's still an opening, if I can get my job back. for you inclusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content hey ryan reynolds here wishing you a very happy half off holiday because right now mint mobile is offering you the gift of 50 % off unlimited to be clear that's half price not half the service mint is still premium unlimited wireless for a great price So, that means a half day.

1:34:03Yeah. Give it a try at mintmobile.com slash switch. A front payment of$45 for three-month plan equivalent to$15 per month required. New customer offer for first three months only. Speed slow after 35 gigabytes if network's busy. Taxes and fees extra. See mintmobile.com.