Pathetic Loser Is “Too Good For Work” | Financial Audit

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0:31so what do you do here in austin texas for a living right now i am a full-time uber driver okay um regular uber driving and uber eats and and the such lyft as well yeah and then uh acting on the side i bet everyone who's ever been on this show has uber ate from you because they uber eat every second of their lives better not see any uber eats in here this is insane uber driving okay how much are we bringing in doing that uh uh well uh i would say on a good week anywhere between 650 and 750 okay and that's across all the different uber variations and driving variations and food and correct uh i correction i tend not to do uber eats that much because it doesn't pay that much versus the mileage you have to go for an order to take it.

1:24Yeah. I know it was great during the pandemic, but I think. Yeah. But recently it's not been as good. But obviously you have gas after that and maintenance and everything. Yeah. So what do we think actually comes? Okay. I looked at your income. What was the largest piece of incoming money? From this month or? From the most recent month. the savings that we have okay that's uh probably the largest thing was probably about uh it's gonna probably show like 597 dollars on there no the largest thing that came in was a payday loan a payday loan disbursement okay well yeah that's that yeah that was a little bit larger than the than the other one that was on there yeah that was the largest thing yeah yeah me okay well Well, okay, so unknown transfer of$209, what was that?

2:24It was just a transfer into your account. It was$209. We don't know what it was. What was that? That was money from my dad, actually. Hold on. Well, how long have you been Ubering? Because something's telling me it's not working out to pay the bills. The two things I've called out so far are not income. Well, I mean, it is working. Um, it is working. The problem is that it's summer. You took out a payday loan. I did take out a payday loan. I did take out, but hold on, let me, but, um, it's summertime. College is out. It's slowed down significantly. So maybe we need a job that's not so seasonal if we're taking out payday loans.

3:10I am. What have you been doing? And then you said part-time acting. Okay. How much do you bring in doing that? uh in in may i brought in about 2 000 on that um may uh may june well okay we're looking at june because there's nothing that hits your account that's 2 000 no uh june it's also i've only done a couple of gigs um this month and they only how much does that made uh about 300 okay see that's you know we've had a lot of i am getting it i am getting an agent uh you're getting an agent i have a interview actually tomorrow with a large dallas with a large agency in dallas okay so hopefully that will we've had a lot of people in the show who want to make it in that industry from and you know a lot of people in the audience that want to make it in that industry and this is it's a big thing for some reason people are moving to austin to make it that doesn't make sense to me but whatever okay i want to i want to help you get to your dreams if there's a way we can get there but we're taking out payday loans yeah we're taking money from our dad uh i'm i don't think uber is what's gonna be what pays the bills if we can't pay our bills what how long have you been doing uber though i have been doing uber about five months okay what were you doing before that i was working at fedex express okay well there we go that sounds like a job what happened uh i hated it um do you hate paying bills no i don't everyone hates paying bills but no i don't hate paying bills and you're and you're right it was a good job it was how much are you making uh you're gonna ask me that um well yeah and you're gonna not like the response response of me on this one uh 23.79 an hour okay 40 hours a week 40 hours a week good health insurance pay time off uh pay time okay so probably make like 50 000 bucks a year 45 to 50 what but in my defense hold that mic right up to your face in your defense what in my defense um i've been i've been part-time acting starting to delve into that for about a little over a year okay started to get so busy that i used all my pto and sick time to pursue it and great which is great i had to have a major surgery let's go dreams let's go i had to have a major surgery so i was off work for six weeks it will pay time off work disability yeah and i thought i just i have two bulging discs in my back all the stuff from lifting for because i worked for amazon before that okay um and um i decided you know what i need something more flexible so i can pursue this i had a buddy that's been doing uber for seven years said making his living doing it and i said that'll give me the flexibility to do it i'm gonna do it and Caleb let me tell you it would have worked out I cashed my 401k out had a big amount of money I know I know but you're going to kill me on this one you're going to kill me on this one you're not going to like this luckily I don't have a weapon yes

6:17it's a long story but what the f*** no that's not how this works so I used to be a full time partnered streamer on Twitch okay what yeah this was when i lived in arizona before i moved here so um and i'm like jumping back and forth wait a minute what were you doing full-time on twitch you were full-time partner streamer on twitch for two years oh you've been everywhere what the so how much were you making doing that i was making between i would say on a good month top ending about five to six low end three to four okay that's that's making a living on twitch as streaming yeah it was yeah um were you streaming uh i was considered a variety streamer so i did open world rpg games um i basically gave my whole soul and life to that so i ditched all my friends so much yeah i ditched everything for that and uh made it to doing it full time but i basically was just me and my space station in my living room with just i had no table no it was my space station and just me and the internet and my moderators discord my i mean it was it was great but eight to ten hours streaming a day oh yeah uh i had no life and i just got burned out of it i felt like and you just stopped i stopped everything i've also been clean and sober for over 12 years so the stuff i do to keep that i discarded all that stuff that helps me with that was there a better content strategy that we could have adapted to there was because again you're literally borrowing money from your dad and taking out payday loans and i think the pay that came in was like five hundred dollars like i and that's so different than making at the top end six seven thousand hours a month yeah well i mean it's a little bit of a hiccup right now but i think we can get past it i mean the way i'm thinking but i realized what i did wrong is got the chunk of my 401k when i quit fedex how much was that uh i ended up with around 5 250 after they took the penalties and and here's what i did how long were you doing twitch i did twitch for two years but then i moved here um and i know that a lot of people that are streaming full-time it's like it's seriously like crazy crazy crazy hours and you give up you give up so much of social life and a lot of things now i I would have rather come up with a different content strategy than just giving up because where are you now?

8:47Do you have anything? Well, yeah, you do have something in retirement. Let's see. What is it? Oh,$200. Okay. So that's. Yeah. Well, that's. That's going to be zero. Oh, yeah. When did you just pull 600? You just pulled 6 ,000 out? No, no. I pulled that out like four and a half, five months ago. Okay. For some reason, it's still gaining money. Oh, this is, well, it's showing her from the year. Okay. So when I pulled it out, sorry to go back to this, but when I pulled it out, I would have used that for my nest egg, and then I would be driving Uber and making$600 to$700 a week. So I was like, great.

9:28But I decided. Before gas, before maintenance. Before gas and maintenance. I decided, well, I haven't had a console or, you know, indulged in video games in three years. Oh, so let's do it when we have to pull from retirement and make no money. I bought a PS5 and a 4K 240Hz HD monitor and I didn't drive for 9 weeks and I played video games for 9 weeks you know what? and I went through my 401k it's gone and so then I realized I need to start driving but I have the actor but this is the most childish why didn't you at least stream it? why didn't you at least stream it for 9 weeks and try to get some tips and donations Because now, unlike when you stream, there's all these different areas you can stream on too.

10:16Well, I don't have a webcam anymore. I didn't have the mic. Okay. I think if we went and dropped. I don't have a gaming computer anymore. So it's just too many factors. But if you had a computer. Well, honestly. You can stream from PlayStation these days. You can. You can. You got to buy an extra. Okay. Okay. You're an excuse. Just bundle of excuses. Sure. Whatever. Great. I don't know if I would call it that. I would just. You just tried to make a thousand excuses why. Probably none of them are valid. If you can go spend on a PlayStation 5 and all that, and you can stream from your PlayStation, you could have got a$25 webcam and you could have been streaming.

10:52Yeah, but you got to make it look good. You got to make it look good. You do, but you could have at least been trying. You literally drained your 401k, sat on your ass for nine weeks playing PlayStation. What are you even playing? At least let it be something good. yeah i replayed the uh it's a replay it's not even a new play well you know last what you replay okay i've replayed the remake of last of us one okay all right all right last of us two that they upgraded okay okay okay okay payday loan hey payday loans what i don't know i don't know i don't know okay well i appreciate trying to be a part of the conversation but that was yeah that was a little awkward that's just dumb the green dot transfer is that work the uber that is uh green dot transfer is uber and then what's the venmo in of 589 uh that's uh money that i uh borrowed from my mom oh buddy i mean i didn't i i i Your dreams are killing you.

11:59I want you to get to your dreams, too. You just do it in a stupid way. Listen. Okay, what about the cash app in of$100-something? Cash app of$100. What the f***? That is... Total over the course of the month. Cash app of$100.

12:18Total cash app in was$117.90. What was it? $40 of... Wait, there's no cash app. Oh, oh, oh,$121. that cash up that was from an acting game okay so actual earned income was like 600 bucks and then you$750 payday loan 209 from dad 589 from mom if you're a high earning millennial or gen z and feel like you could be doing more with your money playbook is tailored just for you and it's the sponsor of today's video playbook is like having a financial wizard in your pocket helping you grow your wealth without the hefty price tag of a traditional financial planner with playbook you get a rock solid financial plan today in just minutes so here's the deal playbook uses strategies that the big wigs billionaires and certified financial planners swear by from minimizing your taxes to optimizing your savings it's all in there and guess what you don't need to be a math whiz to get started they even rolled out a killer new feature for you all juggling debt and savings And let me tell you, a lot of people on the show could use this.

13:26It shows you the smartest way to allocate your cash flows or savings so you can crush your debt and boost your net worth at the same time. So don't just earn good money. Make your money work for you. Head to helloplaybook.com slash Caleb to start your free trial today. It only takes a couple of minutes. You can also check out the link in the description below. Because you're trying to become an actor. so we go from the streaming and then we go to an actual job well I mean the streaming was a job you made it was a real job just like I've been able to make this a real job thanks to you all and then you're like okay done fine that was your choice but you replaced it with a good job making$50 ,000 a year with pennies and you're like because I want to be an actor and it's a little hard with this job and I barely make any money doing it let me go make no money in what world your parents how old are your parents you're 46 how old are your parents um and they're in their 70s and you're taking money from them how does that feel because i would feel disgusted personally now if it was to help you in a certain situation because you're going through a rough time that's different but this is your choice this is very much your choice you are choosing this well well oh come on well it is kind of a rough time i mean i had yeah by your choice Well, not necessarily because What do you mean?

14:48You left your job I did But I actually had a plan when I left my job Which, if I would have followed it I wouldn't be in the situation Well, yeah, you sat in your room for nine weeks So what was the plan versus what happened? I was going to keep that five grand as a nest egg And then start driving Uber While I'm doing self-tapes And applying and auditioning for roles But that way I would always be ahead I'd have that five grand I'd be making$6.50 to$7.50 a week it was going to be great so what what happened after the nine weeks what made you finally decide to get up from the couch i the the gaming is uh it got to the same feeling it got when i was streaming i i had and it was like doing these are drinking i felt like i had my fill of it and i couldn't it wasn't it wasn't filling the void anymore and i was like plus i need to pay rent bills and i'm not i'm down to my last minuscule amount of money it had the same feeling of when you were drinking and stuff or were you drinking no i wasn't drinking no i'm so clean it's so clean sober um happy to hear that yeah thank you appreciate that appreciate that but um i realize i need to start uh working i need to start getting off my and so i sold the ps5 and the monitor i I mean, I didn't make the amount of money back that I paid for it, but that's something good.

16:08You know, I took that. It is. This is like the host. That's like the worst. So it's not really that bad. OK, shut up. That's not true. Sorry, but that's not true. This I mean, you literally. OK, let's look at the first document. It's not that bad. I mean, that I can't accept. I will accept. Hey, you got up and you tried to do something. That's good. I will not accept borrowing$750 at 680 percent interest rate. i don't think that is not that good i will not accept that that is not that good or not that bad sorry okay well what was i supposed to do just work like an adult like a human that's 46 well i'm a mature person like a big boy okay well uh i i've been applying for jobs and okay what do you mean you said you're ubering and you're trying to act what do you mean you're applying to job What does that look like?

17:01I'm putting in for part-time work right now. Part-time? Why part-time? So I can supplement. I can still do Ubering and do part-time. Why do you want to do Ubering? You're not making anything. The car you're doing is insane, by the way. No, I know.

17:18I just, you know, you got to follow your dreams, man. You only live once, and my body is wrecked. I'm not delivering packages anymore. I'm not going to drive around in the 985 degree heat You're right you only live once So sacrifice Just in case you live longer But if you die today You won't know that you sacrificed and didn't live your dream Because you died So may as well bet on the likelihood that you're going to live a while And make sure you actually have a chance for retirement Because you only do live once And I'd rather you not spend the rest of that Under a bridge which is where you're headed Yeah well yeah i'm not against your dream we could have done this a week if we sat down before you quit we could have literally come up with a good way to do it i again am blessed to live my dream i decided not to do this in a stupid way i didn't quit my full-time job until i was able to do this full-time i know it's different than acting because acting's relying on these other gigs and you ate up your pto but maybe we're finding different job strategies but the uber is clearly not working 65 of your money or something like that came from either parents or payday loans this is not working can we agree that this is not working um oh well i hold on i i can agree with that halfway but but part of it why it's not working is because i'm not actually i'm not actually getting out there and doing it doing what uh driving so so so so so maybe maybe maybe how many hours a week are you driving oh the last i've slacked off this last month are you lazy why do you not care i'm not but you would no no no no no no what are you doing during that time what are you doing during that time that you're not driving what are you doing honestly as honest as possible oh um hats off this is a big thinking exercise um what am i doing yeah

19:36um applying for other jobs auditioning um for roles come on the whole time literally the whole time that you're not driving watching youtube uh sitting around doing nothing okay there you go So, to be clear, you are borrowing from your mid-70s old parents so that you can sit on your own. In the end, that is how that has worked out. Selfish, child, immature, baby. That's a little harsh. I don't think so. Taking from your 70s, your mid-70s old parents, you can start taking from your tax-advantaged retirement accounts at 59 and a half. Social security retirement age is mid-60s. They're mid-70s. They're well within where they should just be enjoying the good life.

20:24You're taking from them so you can sit on your own. You're taking them so you could play PlayStation for three months. You're taking them so you can pursue your dream instead of allowing them to live theirs. Selfish. Child. Baby. Immature. Okay. You disagree? How could you possibly? I don't know. Grain of the beard is supposed to mean wisdom. I'm not saying it. I would say this is just, I mean, this is the first time, this is the first time I've been in this situation like this. I've never borrowed money from any of my family. Guess what? You are. But I am. So I wouldn't call myself being childish.

21:01I've worked my ass off my whole life. Where's that lettuce? $200 in a retirement account. And no money to our name, payday loans. So that we could. First time I ever took out a payday loan. Doesn't matter. Never done it before. You're 46. You have a payday loan. You have no money in retirement. I don't care what has been. I don't care if you made a bunch of mistakes in your life and you're incredible right now. I would reward you for being incredible right now. I don't care if you've been incredible your entire life and you're doing horribly now. I'm going to talk about how you're doing horribly now because that's all that matters.

21:29Why would we go and give hugs and high fives and blow bubbles and have rainbows flying all over the room for what happened 10 years ago? That's not where we are. You're taking from your parents who are in their mid 70s right now and borrowing payday loans because you don't want to get off the couch. self-assessed where do you think you are on finances truly where do you think you are zero to ten zero being the worst ten being the best you know how this goes um i would probably say i'm at a four every time they know how it goes and they okay four is but four is reasonable you have a payday loan okay if you want your hammer financial score it's free in the description below and if you have payday loans oh let me tell you but you're also an interesting individual and uh you know you like to they're not that bad what who the payday loans just feel free to apply to be on the show calebhammer.com slash apply okay you were about to ruin me there for a second i'm glad you've decided to have a moment of attempted humor i wouldn't seeing how again so you borrowed $750 the minimum payment for 12 months is$194 you're gonna pay a total of$2 ,522 from that 750 are you at least making your minimum payment on this when did you borrow this payday loan um about two speedy cash.com speedy cash.com speedy cash don't go to that site it was an anti-sponsorship uh about two three weeks ago um okay so you may so your minimum for your first payments probably coming up soon right uh the 17th and and i'm not gonna two days and that's why the interest rates are so high on those by the way because like no one ever pays i can't pay it i mean i i don't know i don't i i what did you use your money on what did you use your parents money on my rent what's your rent uh 1290 huh boy you're bringing in 500 from mark off what are we doing you're you're you're you're you're not allowed to you're not allowed to leave your job with a rent like that that's you just can't again we would have strategized we would have gotten you into a cheaper living situation maybe doing like hostels or something so you could grind it out your dream make the sacrifices necessary that you're doing the thing where you are not making the sacrifices necessary while also trying to live your dream it's insane you're willing to sit on your not work and also keep your crazy rent while pursuing it that's not how that's not how we pursue our dreams we sacrifice well if you're gonna tell me you've sacrificed i would like to hear that oh i would love a good comedic bit right now i mean i i've tried uh uh the first couple months the first two three months i've been able to make i was able to make it you know and i just figured uh the acting would pick up what do you mean first few months three months you sat on your to play playstation making it by draining your 401k what are you talking about wow i was still able to pay my bills and live yeah because you're 401k but not because of earnings that's that is that's true well no thus that's why i'm looking for part-time work oh god power time work buddy you're doing ubering right now and you're bringing in 500 i don't know if part-time work's going to get you to your rent unless you're working a lot of part-time work part-time work full-time oh this payday loan you i want to make sure do you know the payday loan's bad uh it's not that bad what do you mean but you but but but i explain please for please well i mean i i'm i i'm pretty sure it has a high interest rate i would say i would what do you gather i already said the you probably don't even know because i already said it but what do you that's probably six well but 16 17 buddy i've said it already are you here oh my gosh are you kidding me go ahead and tell me what was your addiction of choice back in the day um alcohol and coffee wow okay I am glad you're clean yes thank you just wanted to make sure you weren't smoking right now because I already said the mountain dew but I mean that's not really it's the closest thing to it in the world of pop 600

26:15oh buddy buddy buddy we're gonna get there we're gonna get there a little bit of caffeine in me just had to myself up there but honestly payday loans you know the thing is 680 well if you pay it off what is well are you paying it off you just said you're gonna miss your payment what the fuck well here's the thing kail if i get stop looking at the producers look at me okay no i was Okay, sorry about that. If I get off my ass, yes, and drive five to six. And how's that going? Well, it's not going good right now. But I also have a bunch. I mean, this is going to sound like I'm whining and complaining and I'm not this kind of person.

26:55But I have a bunch of medical shit that continues to plague me. I don't know if you know, but I had a major surgery five months ago. You said that because your disc's in your back. No, I had a colon resectioning where they cut a section of my colon out and restitched back together. That's why I was off work for six weeks. It didn't solve any of the problems. I don't have money to pay any co-pays to go get tests they want me to get. So I'm just – I guess I'm just – Why aren't you on any of the exchanges? You can apply for that if you like fall out of a job. You didn't get fired or laid off though, so it's different.

27:24Yeah. I don't know if you're able to say a loss of job without saying why on the exchanges, but you could have honestly gone free health insurance. I do have health insurance But it's through Oscar Health Which is a no name Whatever insurance So I mean maybe we just ride this off Until the sunset till my intestines explode Who knows Is that a thing potentially At this point I have no idea I mean But that's neither here nor there It's not a medical thing And I don't mean to bring that up So I'll let you get back to 684 % That is high unless you pay it off immediately unless you pay it off immediately that's not going well okay sorry it's 684 you say okay let me see give you a box of crayolas to draw all over it that helps you remember that's a little harsh bro come on if you need to circle the interest rate well that's it's there capital one yeah capital yeah this is new uh uh i wouldn't even recommend the fizz card to you and i recommend it to everyone i just don't trust you it's good for people out there but it's about a month old so you did just open it and you immediately put$334 on oh no you did it you didn't max it out you over maxed it out how how dare you allow you to spend$334 when you had a 300 credit limit what happened here um what happened i i don't know uh i don't know um oh my death oh my death i want to well no hold on let me let me um oh okay so i was doing an uber shift and uh i i think i had two like close to three dollars left on it and i needed gas and i I knew as long as I had some money on there, it would let me use it.

29:27So I had to fill up my tank with gas. We have a taser in the office for protection, and I want to use it right now because that was a big f***ing lie. You're going, you're getting wings, you're stopping in a store getting some bulls***. You're getting some barbecue chicken, stopping in a store getting some bulls***. Stopping in a store getting some bulls***. Panda Express, stopping in the store, stopping in the cafe, stopping in the storing cafe, stopping in the storing cafe, and then your gas. So no, you put all the money on there, the vast majority of it, from... What? We gotta eat. Oh, don't you dare, I swear.

30:12I mean, I... Don't do that. Just shut up. Just don't even say that. that's not even those aren't even words those aren't even words well they are i haven't heard someone say that in a hot second i i honestly thought we were kind of done because i mean a lot of the people who come on the show it's like okay they you know they watch a couple like a month of episodes and i guess we haven't had someone say that in like a month of episodes so i'm just gonna you have to eat yes pack a sandwich pack a sandwich get a thermos with ramen in it soup gum anything air eat air you're right you have to eat not stopping every second of your life to eat and eating out it's so expensive the way you're doing it you max out a credit card took out a payday loan reminder in a way in a way of how you are doing this is you are borrowing from your retired elderly parents to go to panda express in a way that is how that works disgusting immature baby childish you i i can see that good in a sense okay in a sense but you're a defensive one aren't you okay no well okay i i hear what you're saying there's Well, there's also another Capital One card.

31:37We're gutting through the death. It's a 30 % interest rate, and that's going to start nailing you. And you're also going to get probably fees for being over the credit limit. $25 minimum fee payments. That won't even bring it below the limits. Going to take a few of those. 30%. 30%. Still worse than what you thought the payday loan was. I don't know what you think. I didn't even know that was that 30 % to be honest with you. Not just, just, I genuinely feel like you don't care about your life. No, I do. I do care about it. I do. I just feel like acting like someone who does your choices are not indicating.

32:21So I just, uh, I just don't know what I'm doing anymore. I just feel like, I just feel like there's no way to get ahead of any of this stuff. I just feel like it's... What are you going to do when you get evicted?

32:43Because we're talking that soon. There's only so many paid aliens you can take out. I don't know the situation with your parents, and we have a lot of bills to go through still, and you have a ginormous rent. Yeah. What are you going to do when you get evicted? That's a good question. Live in your car? It's the next payment we have to take care of because that'll probably – I've done it before. Well, I don't think for long because this one's going to get reaped. That's going to get reaped. Well, that's another thing too. I mean, that's what I'm saying. That's what I'm saying. There's so many things that have just piled up where maybe it was stupid of me to leave FedEx Express.

33:16Maybe. We're using the word maybe. It wouldn't have been stupid if I would have followed my original plan. I kind of disagree though because it's stupid to pull from your 401k. That was your retirement. Living off of that isn't going to do it. and don't tell me that's just the nest egg on the side while i work because you're doing the work right now even though you're not doing as much as you said even if you do it as much i don't think with your rent and your minimum payments you'd be able to afford to live i don't think that i don't think your plan would have worked even with seven i mean because there was a week i can show you that i mean there's we i usually average about if i worked six days on uber and now this was during the fall when everybody was here but i i would make 750 800 how are you doing auditions then if that's the dream because you remember because you do them during the day so you uber at night yeah i would have to well sometimes i would do day shifts and then i would i would go from like 9 a.m to 5 p.m 6 p.m and then you get off and do self-tape auditions at night um and send them in and stuff like that maybe it would have maybe it didn't but also that's in the past it's in the the past you're right yeah you're now we're talking about potential repo you're still a few months away from it but i mean i think i'm 50 days behind on my i mean they're gonna eventually repo yeah i'm basically sparing how are you gonna get to auditions how are you gonna drive uber how am i gonna drive uber how am i gonna get to auditions how am i gonna it's just falling apart and they're basically at this point you're accepting 46 i mean maybe we just anything i mean well i i i am i'm where are your parents uh my mom's in san francisco my dad's in oregon okay do you have friends here i'm my brother's out here my little brother could you guys live together you need to he's got a 25 acre ranch on dripping springs he's got three kids i mean we're pretty close but um i know that's the other thing i'm looking into okay listen yeah i was looking trying i'm roommates or get a cheaper place uh i have a buddy from arizona that was going to move out here he was going to come and live and share rent with me um that fell through he got out of a 10-year relationship got all messed up in the head and he's going somewhere he's going to san diego now so that's not gonna he's not coming out here anymore okay i mean it might be like roommate finders i need to do that i need to do that we had a guest on here not that i would encourage necessarily but at the lowest the low there's like housing for people that have been through addiction you know you live with a bunch of people not doing that again you did that yeah i lived in a halfway house for a year this last time well i'm not again i'm not saying that's what i want i was just saying like in the extreme case you just can't pay your bills and i don't in the car dependent infrastructure we have a lot of the jobs are going to require you having a car and you losing your mode of transportation is going to make it very difficult.

36:12And you don't have to tell me what area of town you live in, but you can bus a lot of places here and you can train in some specific areas. But I think things are going to get real complicated real quick. So the car, let's see. Oh, God. What is the car? It's a 2011 Toyota Camry XLE. Miles? 113 ,000. How is it? it's good it's good um it was kind of an impulsive buy buy when uh about two years ago okay they didn't sell it at value no it's sold it way above they must have because you still owe 14 ,025 dollars with a 440 dollar minimum payment of course you are back multiple payments you owe uh 1 ,714 dollars That's a 17%.

37:03Yeah. 17 %. Two years ago, ah, me. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one stripper? I don't even want one stripper. You don't f*** them. You just touch them and you move on. Why would I want to do that again? Because it's fun. Is that? And it's awesome. You're good. Hey, bro. How is Caleb as a lover? I would give a solid nine. Wow! How do you get to a nine?

37:39I just don't know how to answer that because, I mean, I just do. I just do. For the upper tier memberships, all the people from the crew from over there, they come together, they make a crew cast, and they talk about behind-the-scenes content and how we do everything here. I feel like I don't want to contribute as much because I'm already so much on camera. That is the greatest thing I've ever heard. twice a month no one i come here we have a live stream with you guys and we hang out with you we answer questions we chat it up we talk about the show we just have a good time caleb reads that book every day i actually wake up and then i gooned that book in the good stream and then most exciting right here at this table with even more pie charts we have an exclusive uncensored ad free financial audit episode for the top tier members that no one else gets to see anywhere else consider joining because ad rates are always up and down we're trying to build something great here and i wanted to make sure to provide the best content and the most amount of content that's ever been in a youtube membership link in the description below i had a perfectly think it's worth uh probably eight five five you're underwater by nine thousand dollars yes i mean at 17 percent 440 gone yeah you know if you get repoed though i mean they're only gonna like get rid of it at auction it's probably probably get three for it you're still gonna owe 11 000 bucks i have a reap yeah like the repo is not gonna really help you no like nothing's i mean i i had the car i had before you're acting like a it's a child in life i don't know i don't know i think i think this was the biggest mistake you've ever made was leaving this job biggest mistake i I mean, honestly, no.

39:27Huh? I don't, I think it was, the only way I think it was a mistake was in the fact that I didn't follow through with the plan that I had designated for myself, if that makes sense. Or maybe I'm just delusional. I'm trying to tell myself that to make myself feel better. But if I would have followed the plan that I had, uh i would not be in the position you didn't because you're a child that's what i'm saying okay you didn't so 17 in a car you're 9 000 hours underwater and you're missing your payments by like three months okay okay what is this okay so you did you borrowed and it's some loan from a bank yeah that's uh that's a loan from my bank actually okay that's for what i'm guessing just survive yeah exactly right now well this is a mess it's it was a loan to survive and uh i kept up on the payments with that although they're behind now but the balance isn't even crazy man if i if i just get you in a place of work like an actual job you could just pay off the 237 dollars 88 cents yeah 33 dollar minimum payment what's the interest rate on this i don't see it i don't know because it's through my it's attached to my bank account so when i applied for it it's like a thing on online where you go on they give you like 12 it's it's hot i think do you owe money to the irs oh yeah oh my gosh that's all the way back in 2014 2015 what was happening what was happening during that time what are you doing well uh yeah hope life your way through that my goodness those are years that i um i was working at well i had a good job i was working at wells fargo's personal banking you've done everything in the world apparently and you can't commit to any of it well no no no not everything that's because my true calling is not any of this garbage but anyway i get it that's fine um and now you're gonna i claimed exempt for like six years on my taxes exempt um to um to try and um get as much money as i needed uh to get to to to get me ahead even way back then and get you ahead in what ways for what like what was the play what was the play to to to not be uh in debt anymore to not to not be struggling all the time even though i was making and struggling then too this is just a lifestyle this is just your life it's been happening okay look yeah your life is just okay it's been up and down for years uh where's the up at the beginning of when i graduated from school 2004 okay um and i got that job at wells fargo i initially started off great i had a budget i wrote everything out.

42:33I followed it to the T. So you know how to budget. I know how to do it. Then, okay. I followed it to the T and then I was making more money than I ever made so I started getting, I would have like a thousand dollars left over after all my bills and I just started buying and then got into the credit cards. I got credit cards. I started putting it and it just, I just got my eventually stopped doing my budget and just let everything get out of whack and then just got into this cycle where it's just can i tell you so something honest i've been down uh and i'm 46 now and it's come to the point where it's like uh i'm doing i don't know let's just get my car and drive away i don't know i mean that's a 12 year old way to think but like it is and the car is not going to be there that's true that's true that's true i'll tell you an honest truth it's it's a brutal honest truth but honestly i really have no filter and i just kind of say whatever go ahead go ahead you're kind of my greatest fear oh how so 17 years like doing well starting off well budgeting doing all that then somehow because we're both creative people it sounds like you you were doing streaming i'm doing youtube i used to play made my living playing music in arizona exactly you You are my greatest fear sitting across me.

43:53I'm terrified. It terrifies me. Yeah, you're doing, you're not going to, you're, I don't know, man. No, you've got it all. You've got it all set up, bro. Like you did it. I don't know. You did too. And Twitch, I'm just saying this can happen to anyone, your mistakes and everything. Cause you think you have it all figured out. You have your budget and then you just make these life choices. Either one. Yeah. I feel like I'm looking into like a future mirror and it's scary. It really is. I'm sorry. I don't mean to scare you. No, it's not about that. It's this. I don't know. You owe IRS debt from 2017, from 2015 to from 2014.

44:35I mean, that was the year after I graduated high school. You're still you're you still owe. I'm old. Yeah. Look at I mean, that's 12. I own like 12 grand. Why haven't you? Have you made any progress? I was on. Yeah, I had a CPA. in um arizona and he went back they got me on a payment plan and i was on it for a year and they were supposed he was supposed to renew it for me in a year the guy never called him up and did it so it went it fell apart you i i when was this um when did he not that was that was that That was about...

45:15When was this? Okay, it was about 12 years ago. Okay. So why haven't you done anything in 12 years? Again, as a being a child. I know, but then COVID hit and they weren't worrying about it. Well, guess what? That's all done. Yeah. So. I don't have the money to pay anything. You're right. You don't know. I'm just surprised. You haven't done anything in 12 years. I mean, I can't. how am i was four years ago so there's a lot before then as well it's almost well yeah honestly you might be able to claim some hardship stuff but i don't know though because you didn't lose a job you quit a job i did quit it i did quit it and not in a good way not in a good way well did you go out like guns a blazing um no i i was on uh long-term disability for the uh uh, surgery.

46:08And, um, I just call him and said, I'm never coming back. Great. For your career stuff. We obviously need to talk about this in the end, but what I'm happy to do, just like for any guests, I'm happy to offer you to go through a certification of your choice at course careers, which is great for tech certifications. I don't think that's the world you're in, but I do offer that to you. You can get that to someone if you'd like as well, but for being a guest, you do get that. What is that? What is that? Um, so, uh, certifications that you can go through courses and get certified in something, for example, accounting is one that they offer.

46:43Then you can have that on your resume. Really? Yeah. So we can get that to you. That's kind of cool. Usually they're like resume boosters really. Okay. Yeah. Resume accelerator. Okay. Is this additional taxes to Arizona? Oh God. Oh God. I did send you that one. Okay. um are there things you did not send me no i sent you i pretty much sent you everything okay what did you not send me um stuff that i can't that i couldn't find anymore things that are so old yeah i don't think they've probably fallen off i think they're gone i think they're gone one of them's an eviction and a repo um you had payday loans from arizona 12 years you were out payday loans 12 years ago noah's telling me um oh buddy so this is just your behavior forever no but forever and ever but it's not that i see that's that's what scares me about just potentially never changing we can send you through the budgeting program the investing program which i encourage everyone to go through we can do all that that's i don't think that's your issue.