Okay, I Think I’m Done… | Financial Audit

21:28When did you start your own company? In February. Okay. And the company that does literally every service ever created. She agrees. Okay. Yeah. We're supposed to agree with that. You're supposed to say, no, I focus on... Okay.

21:53How old are your kids? 20 and 8. A 20-year-old? You have a 20-year-old? Yeah. An adult? Absolutely, I do. And an 8-year-old? That's a big gap. Listen, there's nothing wrong with having a kid at 20 if you're ready, especially, but, like, there's an adult in your life? Yes. And you've never faced pushback for creating your business, the everything business. It's the Amazon of your brain. No. No pushback? No. What does your kid think, your 20-year-old adult child? This video is sponsored by Rocket Money, the app that has saved me hundreds by canceling subscriptions I forgot I was even paying for.

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23:19It also tracks your spending by category, sets up custom budgets, and sends alerts before you overdraft. So you don't get that lovely surprise you're broke message from your bank. So if you're tired of leaking money, take back control. Go to rockamoney.com slash Caleb or click the link in the description to get started for free. Who's going to tell me how to run my life? Your 20-year-old adult child? He's an adult. What is he going to tell me? Mom, you're f***ing up your life. How? You don't make enough money to meet the bills? How does he know? He doesn't talk. You guys don't talk? Why would anybody know?

23:58You only know that right now. It's because I'm sitting here talking to you. You don't talk to people. Other than that, it's nobody's business how I spend my money, how I make my money. I talk to people about my life all the time. Why would you know other people's insights? No, I don't need them in my business. It's not their business yet. Your entire career is you being in other people's business. No, I'm not in everybody's business, though. If they come to me and they give me permission to, that's one thing. Why do you not seek people? That's one thing. But I am not in people's business unless they give me permission to be in there.

24:29Why would you not seek people for their insights into your life? Because obviously you're a complete f*** up. I am not a f*** up. You spent double what you make. And how dare you tell me that I'm a f*** up? You spent double what you make. You only grift for a living. You work for what you call a Ponzi scheme. Excuse me, what's going for you? My life. I'm still breathing. Okay. Being able to survive as a sentient being. That's it. That's our gold stars. Yep. And how much money has this business made? Your entrepreneurial everything business. I just started it. In February. In February. How much has it made?

25:12It hasn't made anything because I just started it. Oh, fuck's sake. Yeah. When is it going to make money? When I start marketing. Oh, for f***s sake. How many hours a week do you put into it? I'm putting in about 25 to 30. How is that possible? Isn't the entire business just talking to people? How are you putting in that many hours, but there's no money coming in? Because right now, it's focused on the travel agency part of it, getting that set up and marketing it. 25 hours a week for three months not for three months two months I just started it's a slow process to get people to want to book with you no I agree but you said you're putting 25 hours a week into it yes I have to there's trainings that I have to complete I have to get certified yes it's not a walk in the park no you do not need to be legally certified or licensed it depends on the agency you work for.

26:15Well, I thought this was your business. Why are you working for an agency? I work for a host agency. Oh my gosh. I have my own business. You can look them up. Lindsay, the people you find in this country will never cease to amaze me. Okay, so you're not a business. You're a contractor to someone else's business. You do not own a business. I have my own business. But it's not the travel agency. No, that's not a part of—that is a part of my business. What are you putting 25 hours a week into? I had to do the trainings. And it's 25 hours a week for two months? For the trainings, yes. It's 25 hours a week for two months.

27:00I started my business. What's the training? And I have other trainings that I was personally doing for my business. Can you tell me what the trainings were? It was business management that I personally was doing. What business management? The ones through the library. the like the local library yes and it was 25 hours a week for two months i was taking i'm also a homeschool teacher for my daughter okay no but you're telling me how many hours a week you put into your business not the other stuff right as i'm so i don't care about that part as i'm going through these steps to start up my business correctly it's not going to be let's just push it out to the world no i want to make sure I set it up correctly.

27:40And that's what I was doing. I get it. But you haven't been able to tell me how you've been doing this for eight weeks, 25 hours a week. So let me just, you know, crunch the numbers here. So between the two of them. You've put in 200 hours. So between the two of them. You've put in 8.3 full days. So between the two of them. Two of what? My business. Wait, two of what? My business and the travel agency. Those are two separate trainings that I've been doing. And each equated to 24 hours a week? I said between 25 and 30 hours a week. It goes up to 30? That's what I was saying. Can you tell me how you have set this time aside?

28:2230 hours a week, divide that by five, six hours a day? So between the time that I'm at home with my daughter homeschooling her— No, no, no, no. No, no, no, no. That wasn't included in the 30 hours. You said your business. And then you said your business and travels agency. Now are you saying the 30 hours a week is business travels agency and homeschooling? Between the hours that I'm with her, homeschooling her, I am doing these trainings. What trainings? The trainings for the travel agency and also the certifications. Please tell me what they are so I can look them up and see how much time goes into them.

28:54Because again, you have done eight weeks, 25 to 30 hours a week. That is not, no? Are you giving up on that? because I feel like you're just lying. There's nothing to lie about. Well, I would assume. Well, there are certain things I can't show you because that's not for me to show you. What? You're not a part of the agency. Yeah. Not only that, but then I developed an e-learning program for social media. You developed an e-learning program. Yes, I did. Now that I can personally show you. For fuck's sake. You developed an e-learning program. You know what? the word grifter gets thrown around online.

29:35And I'll let you into my personal life. I've had a couple of people call me a grifter. And this is because I sell products online. It is only because of people like you that people look down immediately at the fact that I put on an educational program and have launched a budgeting app. We have worked with experts, put in hundreds upon hundreds upon hundreds of expert hours to craft like the lowest refunded rate industry-wide educational programs. And yet we get called out because we put on an online program. And it's only because people like you go out there and just put out slop and charge hundreds of thousands.

30:11How do you know it's slop? Because I'm talking to you. So what? But how do you know it's slop? Because I'm talking to you. How do you know I didn't go and get somebody to mentor me through this? Because I'm talking to you. You can't speak on anything. There's that one thing you're able to speak on in a halfway intellectual grade. Intellectual level. No rebuttal? No thought? No, because I know what I put into that e-learning program. Okay, tell me. I went and sought out a mentor to help me put that together. Who was the mentor? It doesn't matter who the mentor is. It absolutely matters who the mentor is.

30:52Her name was Jamie. Not only that, but... I don't know. It's in my phone. We'll bleep the name. We'll bleep the name. Jamie what? I don't know her last name. It's in my phone. pull out your phone J A M I E that version of Jamie that spelling okay Jamie what and it's a it's an educational program on how to not get banned on TikTok no to stay safe it's for like people around 16 years old or so navigating social media to stay okay Okay, to not get called a slur online? No. To not get diddled through the screen? Like, what are they getting saved from?

31:45I feel bad. I don't want to s*** on your entire life, but you have not been able to give me anything, and I'm also not just going to sugarcoat it, because I can't let you think you're just doing well. Especially since you have kids. Oh, so you're homeschooling? Okay. Um... Hmm. This is the training.

32:03yours or hers that's mine okay so we're using stock images okay this is also my discover purpose and power in the digital space building a strategy for growth i thought this was about protection it is it goes further into it okay creating content that connects okay three chapters out of seven nothing about protection yet four showing up constantly and building confidence Not about protection. Five, growing your community and influence. Not about protection. Six, monetizing and partnering with purpose. Not about safety. Seven, your digital talent portfolio and future steps. Okay, safety wasn't mentioned once in a course about safety.

32:45It is. How much is it? It's going through copyright right now. Huh? What? What copyright? That has to be copyright before I put it online. You're trademarking it? It's being copyrighted. How? What the f*** do you own in here that's like intellectual property? I put it together. That's what I was supposed to do. How much is it going to cost? It's not going to cost very much. How much is it going to cost? Like$59.

33:20It comes with a test. It comes with everything. A workbook. And more stock images.

33:29What was I supposed to use? He's very happy he took this class. This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of$300. Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now.

34:15Speaking of education, I will gift you real education from course careers when you decide to get a real job. How many hours a week do you work on the TikTok bull? About 20 hours. Okay. So, on the job you get paid on, you work 10 hours less. Mm-hmm. Why the f*** don't you have a real job? You're a mother. Because I homeschool my child. Send him to school. She is on the spectrum. How far? It's a spectrum because we're all on it. Is she able to operate? It's none of your business. Well, no, when it comes to you not being able to work, in this conversation it is. I need a flexible job, so I'm doing what I have to do.

35:01Is she able to operate in society? Yes. There we go. And there's programs at school. No, where I live is not adequate enough to handle her educational needs. Are you? She's on a program. She goes and sees OT. She's doing what she needs to do. And yes, right now, virtually, it works for her. Buddy, you'd be making more money just doing customer service from home. Just customer service. If there were no phones, yes, I could have. A job without a phone? There were no phones. You can't have a phone. She's at home with me. So you're not allowed to have a phone? I can't have a job where the child is in the background.

35:55So you're never going to be able to provide for her then? I'm providing for her No, you're spending double what you make And a third of your income comes in through child support Not saying that you shouldn't get child support But that's basically the only reason you're able to almost survive Sounds like you're in a rent controlled situation Is that correct? Yeah This next one's for all you CarMax shoppers Who just want to buy a car your way wanna check some cars out in person uh-huh wanna look some more from your house okay wanna pretend you know about engines nah i'll just chat with carmax online instead wanna get pre-qualified from your couch wanna get that car hey that's a beat you wanna do it your Want to drive?

36:43CarMax. How long? One year. When does the one year end? In June. And then what? And then I decide whether I want to stay or... You're allowed to stay for the same rent. Mm-hmm. Okay, so that's not a big issue. Why don't I fully believe you? What is there not to believe? Just, uh, I mean, they're telling me you're considering moving to Austin, so. Yes, I am. Why? Why not? You have no money. So? I'll make money. So far, no. What's our plan? Putting 30 hours a week into education that we can't define or explain? There is a plan Okay That sounds like a presidential debate

37:44I'm trying What's your try? I have plans on finding a job And I use my chart I use numerology So someone pays for what I just did? Yeah, but I make a whole But they can just put that in GPT and it'll tell them. Not necessarily if you don't know what to put in there. Because it's not... Chat GPT is not always correct. I think you'd be able to tell me my moon and Mars. That has nothing to do with numerology or where your north node is at and how you can progress and make profitable moves if you looked at it. Tell me. How do I make profitable moves? You saw my star. Please. Your north node. Yeah, tell me.

38:33Okay. I can do a reading for you. Would you like that? I thought you already did. I looked at your chart. This is card reading. For the sake. Okay, people are going to be upset if I don't get into the finances. So let's do a little finances first, and then I'll let you play with your toys. Ba-dum-bum.

38:53Well, that wasn't a joke. You said play with my toys. Yeah, that's all they are. That could go real left for a lot of people that don't know what the toys are Yeah, I'm not picturing you using a vibrator Well, don't use toys then Naughty No, I have zero interest Naughty Don't need to get you your third Relax, Caleb I'm feeling fine, man I just wish I could get you to comprehend any semblance of reality. Okay, Navy Federal. Oh, good. Yeah, we're at$9 ,455.45 for someone who takes basically four and a half months to make that amount. Before any bills. Great. Of course, you didn't even make that amount in the month we're looking at, so it doesn't even matter.

39:55I'm at a monthly payment Oh god, 214 So of what you do bring in That's already an eighth of your money gone That's a different account So what I bring in does not go to Navy Federal

40:12This is your debt Yeah, I understand I don't give a f*** Well, a checking account Your f***ing money hits Why does that matter? You're right Your payroll doesn't go into a credit card.

40:29What is that? Oh, fuck's sake, dude. Oh.

40:36I was going to break it down for you because they're different accounts. Please break it down. And there's different money that goes into these accounts. Yes, break down, please. So any of the money that I get from like taxes or lump sum of money goes into my Navy Federal and just stays there. I don't touch it That's what pays my car note That's what pays the loan And that's how I'm able to pay that off Me I thought they gave you the fake name star Because you're into astrology Not because you have the mental capacity of a stripper Oh, wait a second For fuck's sake $1 ,336 being spent on this card $120 of interest Why the fuck are you only putting the minimum monthly payment to it, putting thousands of dollars onto it when interest is accruing?

41:30Because I wasn't always doing that. I just recently... Because you weren't always... Why did you do this? Because I wasn't always doing it. What? Did you hear that back? Can you ask me why I did this? I wasn't always doing it. Ask me why I spent this much money. Why did you spend all that money? Because I wasn't always doing it. Does that answer the question to you? Yes. Really? Okay, can we go in depth into that answer then, please? So I can at least understand it. Right. Because I need that translated, I guess. I only took, I only put that down to the minimum payment after TikTok went dark. And they...

42:15It went dark for two days. Right. Right. But when my creators left the platform. And also, f*** you, this is last month. It went dark, what, three months ago? Three months ago? Right. So I had to shift the minimum payments to reflect on how it was going to affect my bottom line. This statement is two months after it went dark. Right. I'm always going to be a month behind getting paid. This was two months. I'm always going to be a month behind. This was two months. Right, and I had to wait for my taxes to roll into that account. Into your credit card? Into the Navy Federal. Then I put the credit card back up to start paying it off faster.

43:03Okay, okay.

43:08Can you please stand up? Can you please stand up?

43:17Try Okay, take that mic Grab it Put it that way That way No, no, no No, no, no The chair over there The chair over there Chair over there Chair over there Okay, sit down Sit Sit Sit Scoot in Scoot in Scoot in Scoot in Very good Bring the mic to your face

43:48Okay Stay there

43:53What the

44:04You're my most moronic employee I need you to Be a translator for me Okay A moron translator Here we can reframe Okay That's why Brandon's here. We got both Brandons.

44:21I'm going to ask you this question again. I'd like you to answer exactly how you answered. Why did you spend money on this card? With the intention to pay it back. That is not what you said. But sure, let's go with that. I asked, why did you spend money on this card? With the intention to pay back. Can you please translate what her actual response was? Explain that one more time. I need a translator for you, dude. Come on. You're here to translate for her. She said, well, first of all, her first response was. Because I wasn't always doing that. Because it's been a few months or something like that.

45:07Okay. It was more of how you structured the question around why I was making the minimum payment. While spending quadruple the minimum monthly payment on there. Can you tell me? And that's what my response was. What's your response? That it was more that I had intentions of paying the bank. Okay, what the fuck does she mean? Boss. I can't explain that. Brandon, come on. Give it your best. You have to be my translator here. Okay, so spending the money because we intended to pay it back. We were going to pay it back. But we haven't. So you spent money. Interest is accruing. Takes 25 years to pay off, by the way.

46:0025 years to pay off. You have a kid, 20-year-old, homeschool kid. Kid can't afford your bills. This takes four months to pay off. You know, interest is accruing. Why would you put money on a credit card and not a debit card when interest is accruing and you can't pay it off? It's connected to my PayPal. So if there's larger debits coming out of the purchases, it was hitting that card instead of the debit card.

46:30We're using PayPal instead of, because it's linked. You're not using PayPal unless this is attached to PayPal? The card, that. So when you spend money through PayPal, it's charging this credit card. Yeah, and I didn't know. Why the f*** are you doing that? I didn't know. You didn't know. So if I look at your statement right now, there will be no more spending on it if you pull up your phone?

46:54Besides certain things, yeah. There's a couple things on there. Okay.

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48:43So if you're tired of pretending you'll fix your finances someday, do this today. Build credit and earn rewards. Download the Step app today and sign up using the code CALEB for$5 free in your account upon opening. Now, let's get back into the episode. If you're an agency owner or a marketing consultant, heck, even if you're a side hustler, High Level might be your new best friend. Did we just become best friends? Yep! Picture this. You onboard a client who needs lead capture pages, automated email sequences, SMS reminders, and instead of duct taping five different apps, you deliver it all through High Level with your branding.

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49:51What the f*** are you spending? First of all, corporate filings, LLC, not through PayPal, corporate filings, LLC. And then there's PayPal. And then La Quinta Inn and Suites. Trying to get another baby daddy? Not too much on me. Not too much. No, no, no. Uh-uh. I didn't spend that, boss. You did spend that. I spent it, but it wasn't to make another baby. Okay. 17 % interest. $120 of interest accruing Again, I mean With your income, it's absolutely insane And again Like, you're filing a business to scam people And you're just a scammer You work for a scam agency That's what you have said That is what you have said And they said You've been also addicted to gifting On TikTok I used to be, yeah And now you're a scammer.

50:55I am not a scammer. Explain how what you're doing is not scamming. I'm not. I'm actually using my leadership skills and my education. Can you tell me what leadership skills you have? I have great organizational skills. I build a community for my people. So it's not just about... That's leadership? Being organized is leadership? You'd be surprised that some people cannot put together... Some leaders are not organized, but it's not a leadership skill. It should be. Being organized should be. Translate. It kind of sounds like she runs a Discord. Yeah. Oh, yeah, she agrees. Okay. So, what is all this gifting you're doing or we're doing on TikTok?

51:48All this money that you don't have that you're getting from fucking dads of men. Dads of your children. Dads of men. Mm-hmm. What is the gifting? Well, first of all, it's not dads of men.

52:04What is this gifting? So in order for you to have some visibility on TikTok, you kind of have to give a little to get a little. No, I just created content that people wanted to watch. Maybe you should try that. Are you live streaming? I mean, being a content creator and being a live streamer, those are two different roles. So you're gifting in your own live stream? No, I'm not. I'm gifting in other people's live stream. Why does that matter for your live stream? Because a lot of them would come back around and they would gift you. How long have you been doing this? Well, I don't do it anymore.

52:41How long were you doing it? Like a year. And you accumulated 4 ,000 followers? Yeah. Well, over that, it's a total. I have two accounts, so it's almost 8 ,000. Translate. We're paying for clout. Yeah. And that's what you're going to coach other people to do, just to pay for clout instead of actually make content that people want to watch. So you never made content that people wanted to watch. You just paid for clout. You paid for clicks. Again. You paid for views. Content creator. And then you're going to sell$100,$50, whatever course on that. That's what you're going to tell people to do, and that's going to teach them how to be safe.

53:17TikTok does it all the time. Does what all the time? That is a course that they teach on their market. Yeah, but they probably know what the fuck they're talking about. Okay, well, you don't know me. I don't know you. I know you have 4 ,000 followers. You can't pass judgment on something that I thought I was knowledgeable about. I can pass judgment on analytics and what you're trying to do and already working for a scam agency, and then you're just going to repeat that process instead of actually providing any kind of value to this world. Well, if I'm entertaining and people are gifting me, then that's what I'm going to do.

53:48But they're not gifting you. You're gifting other people. I was making. But you paid for it. I wasn't always paying for it. I had fans that came into my room and enjoyed me bruising people's egos. That's what I did. What? It was entertaining for them. What do you mean? It's a good type of banter. You were just sitting there trashing them? It's called bantering. I think that we're talking to people. We're paying to talk. You're paying to talk. You paid to get people to come watch you to then hopefully pay for you. No, I don't pay people to come watch me talk. I have a quote from you that you gave our producers.

54:36Tick tock is a Ponzi scheme. You have to give to get.

54:43No, that's literally not true. For live streaming, again, those are two different— That don't live stream. Those are two different— And also, that's not true at all. A lot of people are not getting paid from their content anymore. They could have millions of views. Those that create engaging content that people like do. I don't think you're a content creator. I don't think you know what you're talking about. I'm sorry. I'm not a content creator. I never said I was. But you're going to teach people how to be. That's live streaming. That's your class. That's a content creator. You're a live streamer.

55:15I think what we're trying to say here, boss, is I'm a scammer. Well, at least you admitted it. I'm not a scammer. But you're teaching people about something you've never done successfully. How? I was successful. 4 ,000 followers. How much did you make? I don't know how much I made. So you're going to try to teach people without a proven record? What do you think you made? I mean... Give me a range. And remember, ranges begin with something and end with something. I probably made, in the time that I was live streaming, maybe$6 ,000. How much did you spend? Probably like$3 ,000. I lost 50 % of my money.

55:59Yeah.

56:04Dude, I don't f***ing know. I don't f***ing know. And are you going to teach a class on that? Come on. Come on. and then you're trying to read f***ing, again, pretend I paid you. Oh, f***, okay, no, let's do one more document, then I'll let you play with your little f***ing, I'll let you pretend like you know something. Okay, Quicksilver. I'm being mean, but this is,

56:30not feeling. I like when these conversationalities have some productivity to them, and this one doesn't have any productivity to it, Because you're just in you. It took us seven minutes to get one answer. Remember? Remember that? Do you remember that? 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. We'll see you at our coat event.

57:06Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Mm-hmm. Okay. Good. $185 minimum payment on this. I don't know how you're affording to survive. You're not. $5 ,562 on this. Interest accruing. You made your minimum payment. What's up with this card? How long does it take to pay off? How long does it take to pay off? Some of the stars. How long does it take to pay off? I don't know. Some of the stars. How long does it take to pay off? I don't know. What do you think? How long do you think? I don't know. How long do you think? The word is think. Maybe two years? 21. Your kid will be 41.

57:52Well, it was at 9 ,000. And that's not by any fault of my own. Go ahead. Tell me. That card was triple charging from multiple different vendors. and some of the vendors fixed it on their own. So, and I'm still in dispute with that company. How much of it? Majority of it because it was capped at$4 ,000. What, your limit? Yes. Well, they raised the limit because they loved giving you money for you to give them interest. But I wasn't spending it. All of it? Yes. All of it was scam. They were at those vendors every time, especially during the holiday season. What were the vendors? It was like Target.

58:37And you're telling me you did not spend any money there? Not for those transactions. That's why I'm still in dispute. Not for those transactions? I spent on the card during those times. That's why I caught it. We're still in dispute for that card. I spent a lot of money and now I'm not taking the blame for it it's proven some of the vendors fixed it on their end now Capital One has to fix it how much of the five? so far it was no, how much of the remaining is in dispute? majority of that how much? they took away four, it was at nine I'm asking how much of the five is in dispute? Majority of it.

59:24The card would have been paid off by now because I've only spent, the initial principal was$2 ,000 something. How much of the fund cost? I don't know. I don't know. I don't know. It's in dispute. But you just don't know how much. Well, it's accruing interest, I'll tell you that. When are you going to get into the business of doing this to other people? I'm not. Until you're almost kicked out of subsidized housing.

1:00:01Listen, my question is, and this is a societal question, I'm not against the idea of subsidized housing for people that can't take care of themselves or food stamps for those that cannot take care of themselves or unemployment for those who are not able to get employed when they get laid off. Obviously, we have a social safety net for a reason. That being said, you literally could go get a job and actually afford unsubsidized rent, not being subsidized by the taxpayer. You could go do that. You are literally choosing not to because you want to build your business. Why the are you allowed to leech off the taxpayer?

1:00:39I'm not leeching off of anybody. And I have tried. Tried what? I actually, my last job, I had a really bad situation. Tell. Where I was interviewing men in particular, and every time I got on the screen with them, they got their little willies out and started whacking them.

1:01:03I'm not going to have you translate that one. Every, every, every, every, well, you said the word interviewing. You were interviewing them? Yes it was on What was your job It was a food and beverage platform They were in the shower They were just taking advantage I shouldn't laugh at that I shouldn't laugh at that because I don't know if it's a

1:01:30Well Huh? What was it? Can you describe the job? Can you give a better description of the job, please? Yeah, I just said. I was doing. I said better. Virtual interviews for a food and beverage platform. The interview. So it was like. It was like. So people would go on there looking for like day work. And other employers needed shifts filled. And every single man got on there and masturbated. I didn't say every single man. But some did. So I had so many that I could not take it anymore that they were just sweeping it under the rug. There was no safeguarding for. Good. I agree. Leave that job. It didn't just happen to me.

1:02:14No, they fired me because I reported them. Okay. I would have sued. I.

1:02:24Listen, it's. I don't want to push back because that sounds horrible. But the fact is with this entire conversation, it makes it impossible to believe you. But let's just believe you. Okay. I'm believing you. Because you look evil if you don't. So, even though you've been proven to be a liar the entire conversation, I will believe you in this. Okay. So, good. Get fired or leave the job. Great. I guess there's no other companies employing people than just that? I don't know. Because every time I've applied. No, the answer is yes. There are other companies. There is. I have been rejected so many times that it's being it's very hard to find a job that aligns with what I need to do for my daughter.

1:03:08Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire Internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. far. So I'll teach you how to budget no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage.

1:03:46And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15 % off. So join the over 10 ,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com or just click those links in the description below. I don't know if I fully believe that. I feel like you want to homeschool, though. Based on you, based on you are, you're a chart reader. You're f***ing stars only. I feel like you want her in your special little net of your core beliefs.

1:04:20It has nothing to do with—yes, I want her to have the best education for her in the area that I'm at right now. Because they don't have the best educational system where I'm at. The best education based on what you believe is the best education, though. It's proven. They don't have the scores in the school system. Oh, I can vibe with that. Okay, there it is. So it's not because of on the spectrum. Now you're just doing because of the schools themselves in that area. And the ones that— Yeah, there it is. Caught it. That was f***ing caught. Oh, okay. And it cost a lot of money, and the grant did not cover the one that you needed.

1:04:55What cost a lot of money? It cost money. No, not the public schools. The private schools that cover—the special schools that take kids like them. Well, yes, so, I mean, this is a chicken-and-the-egg situation. If you don't work, you're going to live in a lower-income area, which typically has worse schools. And that's how it's going to go. Or, if you f***ing worked, you could be in a better-income situation where you can live in a better place with better schools. which one comes first? Which one are you going to allow? Right now, you're just sitting and saying nothing can change, so I'm not going to do anything ever in my entire life.

1:05:26That's why I— So instead, you're grifting. No, I'm not trying— No, I'm not. You're creating a$50 course on something you can't even do yourself. And you make us all look bad, those who actually sell value. No, I'm not making anybody look bad. Yes, it is people like you that make it anytime we launch an educational program that actually helps people. No, I'm not. I'm not. Yes. No. Yes. No, I'm not. Caleb, you're right. You weren't even here for the conversation. I'm here now. But you weren't here for it. So you didn't even see what I actually put together. Okay, what she put together is a course on safety and all the modules teach nothing about safety.

1:06:08You only looked at only the first few of them. You didn't look through all of it. No, there were seven. And then on top of that, that was just in PowerPoint. point. That wasn't even the booklet. I read the seven points, though, that the entire thing goes through. Okay. Right? I don't know. I'm not in your head. I can't see through your eyes. No, but you know what you created. I read what this goes through. Here's seven points.

1:06:36No? I don't know. I can't explain my actions. Why? What actions? Okay. Okay. So I hear you're going to Cancun. And you're pissed about it for some reason? No. Well, seeing how you can't hold down this conversation, I'm not surprised your conversation with the producers in this one are going completely different directions. Translator silence for me. Loading. Still loading. The point of going to Campoon was for the retreat with the agency. But I am not going. You're not going? No, I'm not going. You're not going? I'm not going. Okay. You were going to go at the time of having the conversation with the producers just a few days ago.

1:07:39I was still considering it, yes. What has changed? The flight. What about it? Was it going to crash? Did the stars say it was going to crash? No. What? I just have decided not to go. Because of the flight. What about the flight? It's just I can't afford the flight. Oh, the money. Okay, so it wasn't covered. Okay. So you had to pay for the flight. Yes. It's an actually halfway decent financial choice. You're right. You can't afford it. You put all your money on credit cards, and your excuse is because you haven't before, or in a while, or something. Who even knows with this conversation? I'll let you do your little thing that people pay for We can see if it's worth it We'll bow back Alright So how much do people pay for this?

1:08:33I don't normally give readings It's not something that I charge for I thought you said Okay, what's your business? I do I'm a spiritual life coach Okay life coach me Ben Do you want to spiritual life coach me Or do you want to do my cards I'm going to do your cards I'm trying to see your business Okay I have a website you can go to the website Plug it Plug it Plug what? Your website Give it to me No say it

1:09:14.com. Wasn't it hilarious how that entire thing was bleeped? Good. Okay. Keep going. Okay. Do you have a specific question? I don't know what I'm supposed to do. You have to be able to lead people. Do you have a specific question in mind? What kind of question am I asking? I don't know how this works. Do you have a question in mind? Uh, um, uh, uh, are you going to be able to make it to the airport without getting lost? This has to do with you. Um, what do I, what am I curious about myself?

1:10:01Um, am I going to upload this episode?

1:10:09There you are Okay White dude Blonde hair Well Fair male Huh? Fair male Fair male? Fair male Fair male Mm-hmm

1:10:26There's somebody around you Who's a blonde female More like a That's a ginger Still Oh, okay Yeah, there's I know a couple blondes Ginger Do you want a family in the future? Yeah Three kids Okay

1:10:53Do you have a sports car? Nope It does zoom but it is technically a family car Sports? Like sports mode? Yeah Yeah, I guess. Grapevine. What do you guys be talking about? What are you saying? Huh? What do you guys talk about? Who's you guys? Like the people around you, the people that surround you. Here we talk about work and our lives and things in social world. So are you dating? Yes. Okay. Have you considered like, is it something serious? Could be. Have you made it like official? Because I'm seeing open relationship with this ice queen. If it's not somebody older than you, is she a little bit older than you?

1:11:39No. Okay. Is she the same age? No. Okay. It's going really well. I'm glad people don't pay you for this. Keep going. Well, I'm just saying, but this part is true. That I'm a guy? Yes, that is true. Confirmed. that you want a family yep which I think you would get with most people the family talking about it you don't talk about your love life to people you're pretty detached 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 prices and participation may vary prices may be higher in Hawaii, Alaska and California and for delivery.

1:12:26Patch from your love life? And like, what would that mean? Like it takes you a while to know that that person is your person. No, I move quick actually. You're not doing this very well. I'm sorry. I move quick. I don't believe you. I can determine if I like someone quick. I'm snap judgment if I'm going on a second date or not. That's dating. I'm talking about commitment. Whether or not I want to with that person, It's a little It's interesting I mean this This person's a little more Long distance So that makes it This one a bit more complicated Compared to Like something else Okay

1:13:08I hope it works out That's it? Yeah That's all you f***ing got? Yeah So nothing? No It's very discouraging I'm sorry guys I can't do it What? I can't do it You can't do what? The reading I got discouraged You got discouraged? Yeah Why? I just damn Because half your things you're saying were wrong? Yeah

1:13:33Why would be discouraged as well if I was bad at my job? Yeah, I am bad I'm sorry, I can't do this What? I'm very discouraged right now Can't do what? The reading? Yeah

1:13:51I mean, just all of it, like the scammer part and and just just everything i just was not expecting um like once this goes out to your to the internet right of what you were onboarded for yeah multiple times yeah no no i totally agree but i didn't know that um that i would call it as I see it? Not necessarily the stuff that I said was going to be used against me like that. But you do scam people. I don't personally scam anybody. I'm not trying to hurt your feelings, but you should not be selling a program online that you are not qualified for. That is not. Besides that, but the agency is what pays my bills right now.

1:14:43You call the agency a scam. You said that before you came on the show. Lindsay, what was that? What was said? Lindsay, what was said? But there is— She called the agency a— So you referred to it as a Ponzi scheme because they give you money to pay clients, but if—sometimes they don't give you enough to pay clients, so you have to pay them on your credit cards, and then they reimburse you, but then it gets categorized as income for you and not as a reimbursement. That's what I had written in my notes. The way that happened is because they pay me through PayPal. And so if the money is not there in my account, it goes on to the credit card.

1:15:23But that's because the creators have earned that reward. And I have to gift them that reward. Listen, the thing is, like, I call it as I see it. And I know there's roast in here, as we had permission for from you. And as the multiple onboarding videos and phone calls you went through was provided. So I get it. But I'm going to call it a stand. I'm not just going to be like, yes, you should go make a class on something you're not qualified to speak on. Yes, you should stay at a job instead of being irresponsible, honestly. And again, this is not to be an insult parent. And go f***ing work and put your kid in a school district that would better cater to their needs.

1:16:01But you don't understand the area that I live in. Only because you won't go out and get a job. Again, why do you think I'm trying to move out of that area? Well, there we go, but you're not going to be able to unless you get a job. Right, and I've applied for different jobs to get to that point. And why don't you get a job? Listen to how you've been in this interview. Let's be real. Let's be real. Let's cut the – let's cut trying to make jokes on my behalf. Let's be real. If you were applying for a job here, you wouldn't make it halfway into a first round. You need to work on your interview skills.

1:16:35Maybe you need to take programs on your interview skills. You could not hold an interview to save your life. When I ask you about your leadership skills, you say you're organized. Like you need to work in your interview skills. Your resume is probably a mess. You need to, you're in a cycle right now. Okay. Here's the financial order for you. You're in a cycle where you are not able to make enough money to get out of subsidized housing and you live in a bad area where the school district is bad because you live in subsidized housing, you know, because you're forced to live in subsidized housing, but you are not able to escape that.

1:17:06And it's because you think you are above where you actually are mentally. You think you will have your skills higher than you actually do. Can I see your resume? Do you have a resume? Yes. Can I please see it? This is a no bull. Okay? I'm not bull. I'm not roasting anymore. I'm not doing anything. Let's be honest of where you're at. That's where it is. You're in some entrepreneurial zone where you put in 30 hours a week into nothing. Instead of actually, listen, if you have time to work 30 hours, I bet we could at least do some online bulls**t for seven hours an hour, which is more money than zero.

1:17:46Okay, resume, one and a half pages, immediate, you're getting cut. That is... Really, you're going to defend it against it, even though we already know where you're in. That is a condensed version because not everybody wants... Your condensed version is a page and a half. I thought we were cutting the bulls**t. That is a condensed version of my resume. That's the most recent experience that I have. Can you listen to someone that has helped people get into career tracks? It should be no longer than one page for your position, for what you're trying to do. Okay, let's look at what's actually in here.

1:18:16I don't know why there's a personal summary on your resume. Honestly, I thought you should probably just have skills, you know, relevant skills that will get keyworded through the search algorithm as for applying, okay? This is as someone who's actually going through like hundreds of resumes a day because we're hiring a lot. But again, results driven with, the spacing is horrible. This is double space. It's hard to read. Results driven professional with expertise in onboarding, project coordination, and customer success. What is the job you're applying for for that? Because that is everywhere.

1:18:50A resume should be tailored to the job that you're trying to do. No wonder you're not getting interviews. Skilled in, okay, what AI service did you use for this? skilled in process optimization, training and development, and quality assurance with a proven space, space, space, ability, space, space, space, tube, space, space, drive, space, space, space, efficiency, and enhanced team performance. Adept at stakeholder communication. Oh, these are just buzzwords central. This is, what do you, okay. Competence management and technology-driven solutions seeking a role in onboarding project coordination quality assurance or customer success where i can leverage my expertise in operational existence and we got to single spacing at that point okay no offense i see i'm cutting the i would not interview you i would not put you into a first-round interview just looking at that and i've barely made it a third into one page.

1:19:50Okay? Can you take that to heart? Because I want you to get a good job. Because I want you to have a better life for your kid. Okay? Can you take that into heart? If we walk away with anything, your resume, okay? Now, again, that was just a condensed version. Yes. Okay. A condensed version is all it should be. You should not have a four-page resume. Right. A resume should be a condensed version. I'm not making fun of you. I am trying. I want you to Let's walk away with actionable things. Okay? All these spacings, it's weird that that first part was just pointless. Okay? Core skills and competencies.

1:20:24Okay? See, it feels like we basically already talked about that. So we're double dipping, except this is like the bullet point version. Onboarding and training, process improvement, project coordination, talent acquisition, customer success, stakeholder engagement, quality assurance, competence auditing, HEDIS, Microsoft Office Suite, Google Docs, SharePoint, CMS. Okay, everyone already assumes Microsoft Office Suite and Google Docs. You really don't have to do that. A lot of these things, you really need to focus, are you going to be a recruiter? If you're going to be a recruiter, let's focus on just recruiting skills.

1:20:56Are you going to be a customer service representative? Let's focus on customer service. You're double-dipping in both, and then all of a sudden we went into auditing. Like, okay, okay. Professional experience. Creator and manager. This is your current show? Creator manager. Recruit, train, support, content creators, TikTok platforms, ensuring alignment, developing onboarding processes, providing feedback. Okay. This is all very long-winded. Did you put this through a resume program? Because they can, like, tell you how bad it is. Yeah, I did. And? I did one through Indeed and. Okay, onboarding specialist.

1:21:36Good. Okay, let's focus on onboarding. You might be a recruiter. You might be a good recruiter. You might be a good recruiter. That could be a thing. And that's money. It's commission. A lot of it. Sometimes it's flat. Conducted virtual orientations, educated new hires, assessed candidate qualifications. Lead onboarding project administrator from 2015 to 2019. Service lead onboarding. We know that. That's what the job title was. Conducted quality insurance audits, managed case analysis. Project coordinator, compliance analyst. Okay. Education. High school diploma. Health service manager. You don't say what you got.

1:22:17Did you get a certification or like did you get a degree? Because you're not saying. You're just saying what the location was. They fixed it like that. But I have two AA degrees and two certifications. Technical skills. ATS, HR software. Yeah, yeah. You need to be, focus this up. Do you want to be a recruiter? A talent recruiter? I was trying to stay along the lines with the creator manager. Okay. Is that what you want to do? Is that the dream job? That's not my dream job. Okay, what's your dream job? Let's do that. Well, I would like to be an entrepreneur and... That's not a job. You'd have to tell me what you want to be an entrepreneur in.

1:23:00Really, it's to be, to have my own agency. not on not on tiktok but in like entertainment like helping people get brand deals and sponsorships okay um okay so maybe before you do that you should work at an agency i've a that's what i started to apply and that was one reason why i was coming to austin was to bring put myself in that industry because this is like the little tech central. Austin's big with that? Yes. Okay. Well, okay, then we need to cater our resume to that. Your resume is not catered to that right now. Right now, it's about onboarding customers and recruiting talent. You know, let's focus on your sales skills.

1:23:45Sales skills and being able to manage those relationships and keep those brands around, okay? And also, unless you're on like the talent acquisition side, then focus on that. That resume is close to that. Get rid of that first section. Let's make it just get the words needed to get through the algorithm, use the resume services that are online. It's like a couple bucks. It's usually worth it. Like when I did that, when I was looking for my second product management job, when I moved from my first company that I worked for, when I moved down here to Austin, I just, I gamed the resume. And I got interviews, like five interviews a day.

1:24:19Five interviews a day. It was an easier time for hiring. I will acknowledge that. And then I nailed those interviews, and I made it to final rounds endlessly. You just have to play the game. It's all a game, unfortunately. That's what it is. That's what you have to do.

1:24:35Okay. We have a Navy Federal. So two Navy Federals? Carts. Well, this is a loan, it seems, of$3 ,678.33. What is it? Four. That's a leftover balance. For what? I'm asking if that's what you're looking at. Remaining balance is$3 ,678 ,000. So originally I was going to have a surgery. Are you okay? Yes. Okay. And it was just an elective surgery. But you didn't have the surgery. I didn't have it. And I just decided to keep the money in there.

1:25:26You have a kid, too. The 20-year-old, do they help? No. Are they still at home? Yes. They live at home? Yes. Rent? You haven't paid rent? No. Haven't paid rent. Does he work? He does some side jobs, but he's going to school. Oh, okay. What does he do? He does software engineering. School? For school? That's great. Okay. Full-time school? Mm-hmm. Okay. I support that. Cool. Good. He doesn't have to pay rent. By the way, if you want to come on the show, you can go to CalebHemmer.com, social apply. And if you don't want to be like this, use the budgeting app. If you sign up for the annual version, I'll send you the cookbook for free, right to you, signed by me.

1:26:10Okay. So the personal loan said the 11.19 % and you just kept it. When did you take it out? 21 or 22. No, it wasn't. You've been holding this for years, three, four years? Yeah. How much was it when you borrowed it? What was the original amount? I think it was$8 ,500. Dude, that's$281. No wonder you can't survive. You keep building these debts, and then you have these minimum payments that you can't even come close to affording. They have notes for things throughout the conversation so I can follow along because they know your story. I don't. I go blind. But they're not bringing up the bad things that happened at that job.

1:26:46They're specifically saying that you told them that you were having conversations to get people placed in jobs at service industries. But that last-minute people to fill spots at establishments, like, they're not bringing up any of the stuff you brought up. I'm pretty sure that the NDA has expired because I tried to sue them. I don't know if that makes an NDA expire, you trying to sue them. Yeah, because I didn't go with the right to sue.

1:27:16Huh? At firing? The last job that I worked at. You signed like a severance agreement? No, I didn't sign it. Okay, so you can't say. But I went through the process of going 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 So update on Dave It's up to you We'll take the laundry Rinse It's time to be great Through the government To get it And?

1:28:02So because I didn't have a lawyer And they had lawyers They didn't They got They got away with it I agree but you didn't report it to a government agency Yes, I did. And what happened? They let it go because, and they gave me the right to sue them. So they're saying that on their end, no laws were technically broken because it was with the third party of the individuals. Unfortunately, I can see that legally. I can see that legally. Now, however, you reporting them, I would have rather them put in some safety mechanisms, but it's probably impossible and unfortunately reasonable to assume that they cannot control what.

1:28:43A third party does. Third party is a piece of shit. They couldn't do anything, though, right? I mean, you can acknowledge that, right? To a certain extent, but if it's happening not just to me, but other— I agree. They would need to put in a lot of safety mechanisms, lots of vetting. And not just vetting, but the background checks. There's no background checks on the platforms like that. Would the background checks show that they will show pee-pee? Not show pee-pee, but eliminate the predators that are coming on to— So if they're on the sex offenders list? Yeah. Okay, I agree. We're bringing people on to the platform that even if they do say that we vet them and they clear that vetting stage, but we're sending them out to clients and now they're sexually harassing people in public.

1:29:29I agree. I'm understood. I agree. I don't know if there's a legal case there. That's the hard part because I can see the reasonable doubt of like, oh, you know, we can't control what someone's going to do regardless of who they are. But I agree, they should have put in a lot more safety mechanism. Okay, what is this? $13 ,939.12 with a 3.19 % interest rate loan. It's a very reasonable interest rate. What is this? My car. That's not bad. I mean, the minimum payment's bad. And that's just a struggle to you is this is a fourth of your income on a monthly basis. This is a fourth of your income because you won't go get a job.

1:30:05What's the car? A Highlander. Year? 21. Okay, what's it worth? $37 ,000? Mm-hmm. Sell it, get a$10 ,000 car, and pay off all... What the f***? And pay off some of this debt so you can get rid of minimum payments, because the minimum payments are what are killing you. What are we doing? What are we doing? Sell that s*** yesterday. $38 ,000. What? Why haven't you? Because it's, I don't know, something that I worked so hard to get. I agree. But now you have a lot of debt. And I care about you being able to keep the roof over your head. And when you can't even pay$100 rent, that's when you know it's getting bad.

1:30:48Okay. Are these student loans? How much is student loans? Oh, it's gone. It's gone from$62 ,000 to$68 ,000, right? You're probably on that. It's always been. No, they stopped it at$68 ,000. Yeah. Okay. So what's your minimum fee payment? I don't make any payments. And that's why it's going up. because there's probably interest accruing and you're low income enough because you won't work to get... So this is a zero.

1:31:22You don't have to be in that position. Okay, go program. What's that? My transport. So she gets her child support in there and then she goes to Dairy Queen, Hello Sugar, Fries, In-N-Out, Fries, KFC. Not one necessity so far. Shoe box, jack of the box. The shoe box. That's money coming in. Dutch Bros, Dairy Queen, Hello Sugar, Fries. There's not one thing in here. Going in and getting some BS. There's money coming in. Cartel roasting, Taco Bell, McDonald's. Wow. So none of the child support is going to necessities right now. Some of it does. Okay. Well, so far, no. Fries is a grocery store. Okay.

1:32:01Let me see. Yeah, but it was$18. I highly doubt you got groceries for$18. You went in there, you stopped and got some BS. Like almost any time we vet anything under$25, it's usually BS when people stop at a place like Target, gas station, grocery. Well, it's for her. Chapman Sunday, Davenport, Sam's Boat, Whiskey River, went and got some BS, went and got some BS. There hasn't been one thing from our child support to support our trial. Gas. There we go. I can do gas, but that's one out of what? What have we done? 20 so far? Chick-fil-A. Texas News? $41? Oh, my gosh. Chapman and Kirby. Chapman and Kirby.

1:32:48This is your child support money. I'm a little disgusted right now. I'll be honest. I'm just going to, I'm cutting it. I'm got the bullshit. I'm a little disgusted. Went and got some BS. Jersey Mike's. Grill. Anno. Gas. Chick-fil-A. Dutch Bros Jack in the Box Applebee's McDonald's Dutch Bros Audible we already talked about going to the library come the fuck on In and Out Moose Creamery there's your child's report coming in so we count Inc and Dutch Bros and Jack in the Box listen that says all that needs to be said no no no no okay that is that is her if that's what she wants then she can have that let's cut through the bulls*** she's f***ing nine right She's eight.

1:33:35But if that's what she wants. You know what? It's up to her. If that's what she wants. An eight-year-old. Maybe we should do school supplies. Maybe we should focus on. She has that. Buddy, you are. All your child support money is going to fast food. It is disgusting and unacceptable. Okay. You disagree. Do you disagree? No. Then why do you allow it? Because that's what she wants. Okay, can someone correct me if I'm wrong? Does the 8-year-old get to choose where their child support money goes? Is that how it works legally? I don't think that's how it works legally. They're only paying a certain portion.

1:34:14It's not even a lot of money. It's 40 % of your income. If that's what she wants.

1:34:22Does an 8-year-old child get to choose where her child support money goes? or does the primary caretaker who is receiving the child support for that child get to choose where that money goes? Should we find out? Because, again, I don't believe you, but it's like you're able to scam people in a very convincing way where I think you're doing that. Who is scamming? Okay, the primary caretaker receives the child support, has full control over deciding how the money is spent, not the child, especially now at the age of eight. there we go f*** you I mean like I'm disgusted I'm disgusted this went from a funny conversation at the beginning because you couldn't answer a conversation to a conversation where I'm cutting the bulls*** to a conversation where I'm now disgusted and then this checking account it's all bulls*** it's all bulls*** one dollar in the checking account come on this is f***ing grub hub one dollar grub hub sorry sorry sorry sorry no there's more than that that was the dividend four thousand I don't know why we're not paying out that but moving money, moving money, moving money.

1:35:30PayPal, PayPal, PayPal, PayPal. Dutch Bros. PayPal. Grubhub. PayPal. Dutch Bros. PayPal. PayPal, PayPal. Can you polish your PayPal for me? PayPal, PayPal, PayPal. Cash app. Cash app. I want to see the cash app, too. Because, ew. Disgusting. Thousand savings.

1:35:55I'm ashamed. Do you not feel ashamed? Not to make you feel bad, but just the reality of your situation. It's giving people birthday money, super chat money, super chat money, super chat money for the dog, super chat, super chat, super chat. What is all the super chat? It's all for one person. Tell me what it is. The super chat. You have to pay them? I pay them. I thought you were done with that. for TikTok, yeah. Oh, dude, it's$10 super chat. Send out. And they're just replying heart, heart. You're super chatting this person endlessly. Endlessly. It's not endlessly. No, it's endlessly. It's twice a day.

1:36:41Dude, it is all your money. That was cash app. What about the PayPal? I asked for the PayPal. Log in, please.

1:36:58She has a pay later balance. Guys, she has a pay later balance of$700. She has a pay... We didn't even know this. We didn't even f***ing know this. Travel, travel. Jeez.

1:37:26Domino's. Starbucks, TikTok, Fiverr. No, the TikTok? Where's credit union? TikTok, TikTok. That's not... Yes. That's not what I'm spending on. Yes, those were negative. I didn't call out the positives. Sheen, Bull... I'm not even going to go through it all. This is all... This is all fucking stupid. I'm disgusted. and this is shameful. This is shameful. I'm so sorry. Kind of.

1:38:04Black Century Black Dating App. That's our active subscription. No, it's not active. And I canceled it. You set it to cancellation, yes. Okay. I'm sorry. I'm sorry. This is the reality and the fun fact is I'm going to break my promise immediately. I promised Lindsay that I'm making a budget for every episode. There's not a budget to be made here. Come on. You have to agree. This isn't a budget issue. She's blowing all her money. She won't go get a job. She, well, she can't create a resume to get a job. She's not willing to, like, work with people. I'm sorry. There's nothing. There's not. It's not a fact that I won't create a resume.

1:38:46You're spending 30 hours a week on education. That I'm not doing the things that I'm supposed to be doing to get myself ahead. I am. You're not at my house. You're not on the computer with me. You don't know the things that I'm trying to. I think we've seen in your life pretty well here. Okay. It was a snapshot, but I think we're getting a pretty clear picture. Okay. This is the reality. You need to master your resume. You need to figure that out like crazy. Put it through every service, one page, no more spaces. cut that top section, algorithmically define it for the job you're looking for instead of five jobs in one resume.

1:39:21You need to algorithmically make it pungent for what you're going for. You get all the resources. And I know it's bad when I don't make a budget, but there's no budget. That is not the issue. That is not the issue. You blow all the money. That is not the issue. You living in a budget. You couldn't because you make no money because you spend all your time around. I'm sorry. Hammer financial score, zero out of 10. We'll talk more in the post show and usually it's a little happier but they probably know something that they know. You know how we didn't even go through like half their f***ing notes?

1:39:52I'm sure there's some juicy stuff we're going to talk about. So join Hammerly for the best YouTube membership on the entire platform. The platform has set it themselves and make sure you download the simpler budget app. Set it up for the premium version for annual. I'll send you the cookbook signed right to your doorstep. And maybe you could use it and actually cook a meal sometime instead of going jack in the box. See the post show. You're getting in drama with other creators what yeah i had to put an injunction of harassment against somebody who is it a big creator he's a mediocre creator you had to file harassment against this guy he used to play for the seahawks he played for the seahawks how much were you paying in his chat yeah it was like i was joking but i guess not elusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content