The Dumbest Person I've Ever Met | Financial Audit

0:00This is a real good story about Bronx and his dad Ryan, real United Airlines customers. We were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. Shopping is hard, right? But I found a better way.

0:33Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I inherited$60 ,000 and blew in three months. What the f***? How did we spend that? You gotta be careful what women you surround yourself with.

1:11Are we blaming the world? All things considered, I'm so lucky that I didn't have a kid with some psycho. You'd be the psycho to have a kid with. Do you have your guitar with me? Yeah. Let's at least test your talents.

1:25This is where I push the red button going, hello my name is be me i am 29 from austin texas and this is financial audit oh same age here in austin that's kind of fun i haven't done someone my same age in a while we can compare and contrast see where we're at yes what do you do for a living here in austin texas yeah so i'm a musician and a writer primarily musician and a writer i worked in education for over five years with the school district um here yeah in austin yeah musician you know some people make a living in austin so how are you how are you doing not well okay well um yeah it's a thing and it's not it's a thing very fun it's not very fun then why are you i mean i'm transitioning i'm i'm kind of like what are you getting your tits i would like to i think that no one liked that joke i thought it was funny okay sorry go ahead um the joke we call that humor is not i i'm dabbling in acting so i'd like to be an actor to be in you seem to be doing all like the fun like i hope i'm good at this careers right so music what are you making right now nothing i mean how are you living right now i'm barely i'm i'm i mean i love it when no one makes money on the show so like i don't spend that much money but i haven't made that much money in a long time so it's been really difficult to uh you know like earn save money up but i wait so how do you get you say you don't spend much money how much did you spend last month i don't know enough give me a number what do you think oh what do i think uh you don't spend much money 1500 2000 i don't know less uh well kind of in the middle so 1839 yeah cool how did we spend that without making any money uh i saw money come in what's shipped for 1400 so yeah i've been doing grocery delivery on the side so that's money what are you talking about that yeah it's just like it all goes back to gas it did not spend a thousand four hundred on gas no but like you know car insurance is 300 spent 547 on gas so a third yeah it's not insignificant yeah so then um okay 300 on car insurance 81 on phone and phone bill and the rest i have two dogs so most of the things why do you have two dogs no offense i want everyone to get dogs i love dogs that is not fair to the dogs that you have them but you can't even pay bills it's not their fault correct well um they are who have gotten me through all the things that i've been working through and so like i don't know it was a it was a couple years ago that i inherited sixty thousand and blue in three months what the fuck well i got excited for a second i was gonna say let's pay off oh and you have some matcha matches your personal let me smell that real quick i want to smell that go for it let me make sure they drugged you with something hopefully it could probably smell like water they told me i was gonna get to meet mc hammer i thought they meant mc hammer yeah that's that's a good one okay so what are you so you blew 30 000 in a few months when was this is that how we're where we are this was in june of 2022 um i found out that i had inheritance from seven years prior so they basically i went homeless and like was sleeping on the street and stuff and like we have gotten to 29 in very different paths for sure yeah i never got inheritance that would have been nice but right um i didn't know i had it for seven years uh i didn't know it was my money but it turns out it was in my account the whole time and uh okay so while i'm like busking on the street you know for a dollar a day to get like a french loaf from the grocery store to buy why have you never like worked like an adult then well i have i mean i worked in education for five years and i uh did i did sports broadcasting it's not like a few years ago a few years ago you could anyone could get almost any job they wanted with that job market so it's just like as long as you had any kind of qualifications right i'm oversimplifying that but it wasn't like like there was a lot of choices going into this obviously yeah a lot of not great ones i mean uh i think that you got to be careful what women you surround yourself with too uh i think that i was in are we blaming the world what i'm not blaming i'm i'm acknowledging that i gave too much of myself to unhealthy people that i didn't put myself or my well-being first and through it just gave up what what yeah fine yeah give us some context of the situation sure so go ahead i mean like what were you trying to say uh well like when i inherited that 60 thousand dollars no the people you surround yourself with well i mean i was just didn't have a great family growing up and my dad died when i was in high school and it's all right and uh he was like the one person that kind of gave me real life stuff and uh so then from then on i was just kind of winging it myself and then my best friend inheritance through him it was through his mom but uh yeah basically from him yeah it was went to him but then instead of going to him it went to me because she died after he did and uh yeah so like then then you know the rest of the family that was left after him was just kind of manipulative like greedy people who just wanted to everything for themselves and kind of kept me in the dark on a lot of things as i was becoming a man and then by the time i was a man in the real world like i i didn't have any clue what was going on or what i was doing and then um yeah so like in december of 2019 was the first time i got i had a good job i was gonna pay good i had my own apartment what are you making uh more than 20 an hour i i know at the time and i had like a one bedroom by the way before we allowed the stories to go too long context of the situation they're probably like okay yeah but order his finances and that's fair yeah um you almost have no debt you have a little bit of debt i'm very lucky that the rest of us in the world if we were responsible could knock out in a single second you for some reason are holding on to it like a child because you refuse to make any money even the money you have you just spend so you have a little bit of collections and a small little credit card that's okay all right so go ahead with your story now that they know so because i mean oh and you're also like taking micro payday loans go ahead so i believe in like living without ceilings like i i've had in the past couple years i've had multiple jobs okay yeah i have had a couple of jobs where it's like cool i can like stay here for six months and in six months i'll have everything paid off and i'll be in a good finance spot financially but what does this have to do with ceilings but in six that that is the ceiling of the six months i'm like i'm right i'm doing all right i'm doing decent but i believe that it's in that time frame i could like basically struggle a little bit longer to then have a much higher payoff where the skies are opened up right we don't have to look at i believe in sacrifice i guess that's what i'm saying that's what they call it yeah they call it a sacrifice i think that sacrifice is if played right and with the right um intent or like navigation okay then why are we in ted's like what are you talking about that sounds great i agree with that cool you didn't do it so what are we talking about i'm doing it it's happening like i'm moving to philadelphia next month and i gotta like that's a sacrifice well i mean i don't have anything set up so it's like i quit i had a sacrifice that sounds like a a poor decision if you don't have anything set up it's a risk maybe but oh what i believe is a high risk high reward yeah you sound like you've done high risk high reward your entire life and so far the reward has been uh collections and taking out micro payday loans right so are you moving to philadelphia not a cheap city uh well initially i was thinking pittsburgh but then i started yeah it's cheaper and then i was like you know what um i can uh i can do whatever i want and i can figure out whatever i want and i'm afraid of nothing so i'll just yeah but this goes against what you were just talking about you had almost a responsible mindset for a second and now you're talking like a child i do go back and forth um i think that i'm a i uh i think that my childlike fantastical beliefs in the future compared tied with what the did i just walk into what are you talking about I think that things can happen very quickly.

10:53Whether we're talking six months, three months, one month. And as I've made the wrong choice in a lot of the past few years, it's taught me to move forward with better choices. And moving without any plan and no money and taking out micro payday loans is a good choice? well so i've realized that i should i am not taking out micro payday loans anymore i think that's a bad idea and it's not helping um i've also realized like every bit of money that i make most of it should be untouched i mean you're doing that like literally right now so i don't know what you're talking about not gonna do you want you by not going to do anymore you mean like starting now which basically i have no hope in because you're doing it right now so go ahead sorry um and so well like there's a lot of things that i was doing two years ago that that what i mean buying stuff that i didn't shouldn't really be buying i guess i didn't have money to buy or like when i had that sixty thousand dollars i was just oh yeah so how'd you go through that sixty um my partner at the time wanted to get an rv and so she paid over twenty five thousand dollars for an rv that was actually like she didn't know anything about like mechanics or cars or whatever so it was like it wasn't running did you consent to this purchase basically i consented to everything that she wanted and just did it um okay and uh then you know she ordered a crap ton of takeout i'm not blaming you just did again and she ordered a crap ton of takeout that's what it's reality of what happened yeah but you just said you were agreeing and consenting to this you didn't stand up and say like a word i mean i was there i i didn't open the rv either um huh like the hood we should have checked under the hood when we did it was covered in trash what the rv yeah um you still have the rv no we left it in some random parking lot and got out of there in like the desert of california uh yeah it was a weird time we were like sweating in in the desert 25 000 hours left in the desert yes and then you know the rest was spent on like airbnbs and take out food and then um getting her she may have been an influence don't get me wrong i'm not saying like it wasn't it was 100 your fault i'm not saying that but like you gotta have a little bit of a backbone you're consenting this whole thing like if you can't stand up at all for anything what is that what you mentioned at the beginning surround yourself surrounding yourself with bad people is that what you mean her yeah her but you did it exactly like people you didn't do anything myself with her i yeah but you didn't say a word right which is what i had to learn from it it's like now i'm surrounded by nobody which is 30 000 for someone that has negative dollars is a big learning lesson learning lessons are bigger than others yeah but also i don't think you learned because you're about to do the dumbest thing i've ever heard in my life Well, I moved to Puerto Rico from January to April of this year.

14:00And that was probably also the dumbest thing I've ever heard in my life because you have nothing to show for it. Right. Yeah, you moved there with nothing. And how are we right now? With nothing. And I slept on the sidewalk. But I just don't. How did you get to Puerto Rico? I flew. How did you pay for that? I received a little bit of assistance. Oh, okay. How? like a program that like offered to pay for my relocation what kind of program what kind of program does that um program that programs that help like homeless people and stuff to get to go to puerto rico well to go anywhere it was like if you have a friend or loved one anywhere in the country in the united states they'll pay what loved one was in puerto rico well i had a friend that i used to work with that moved to san juan like six months earlier well so So this program, you could be like, I have a friend here.

14:55Yeah. And they will just fly you there. Yeah. Well, obviously, this didn't work because you're not there. Well, yeah. So when I got there, like, you know, I had to. Did they know where you were going? They knew I was going to San Juan. Okay. They, yeah. And they knew I had a friend there, but they didn't necessarily. I don't guess they didn't know that. Well, with my two dogs, like, I wouldn't be able to. Well, I didn't know for sure either. Like she had roommates and I couldn't stay with her. So I still figure it out on my own. So I was trying to. What am I listening to? What kind of creature is in front of me right now?

15:30I absolutely hate misinformation. I see it all the time in the finance world and even worse in the news. All the bias and misinformation out there. Sometimes I even have trouble knowing what's the truth. And that's why I've been using Straight Arrow News. SAN provides a free app and website dedicated to delivering unbiased and trustworthy news. They are here to give you the cold hard truth without spinning any narratives. They've been my go-to for staying on top of business and finance news and take weight off my shoulders knowing that they are committed to delivering nothing but the truth. When it comes to reading about the economy, they're my personal favorite to stay up to date without interference from any political bias.

16:12This app is also super easy to use and all my news is consolidated into one place. If you're tired of misinformation and bias as well, check it out today. Visit san.com slash Caleb or click the link in the description below to not only support me, but a group of journalists that are raising the bar on news and committed to bringing you the truth. Stay fully informed and download the Straight Arrow News app today. You don't, you don't, I, I don't think you've grown up. I don't think you're an adult It's like you were raised in a Jungle I certainly spent my last two weeks In Puerto Rico in the jungle Eating coconuts and bananas And sleeping in a hammock No it just reminds me of A skinny version of Tarzan Yeah it's Phil Collins soundtrack It's incredible I watched it as a kid I think maybe it infested in my psyche a little too much Okay okay what would you give yourself on a financial score zero being the absolute worst 10 being the absolute best i think i'd like put it on two scales or two different i just asked a simple question i mean like scale i get probably probably you can invent your own scale but answer a question based on my scale probably a four okay all things considered that i experienced like a nine because i'm i'm so lucky i'm i'm so lucky that i didn't have a kid with some psycho i didn't like my debt is fairly small you'd be the psycho to have the kid with sorry sorry sorry you're just interesting i'm not ready to be a father that is yeah no but i want to be you can hardly take care of two dogs you just left them for three months i didn't leave them they were with me oh they came at the time of their lives they're living in the jungle on the beach so the this program paid for the dogs i got assistance for that i started to go assistance how i'm just trying to figure out how you paid for this i gotta go fund me and people donated to help me uh get my dogs across and then on the way back i'm not i i didn't know how long i'd be there it wasn't for anything in your life i mean the inheritances i mean it's fine i mean every penny i have which may not be many pennies i've worked for do you have any pennies you're in debt but i'm pretty sure your net worth is negative you're borrowing from dave.com yeah well i don't think so i met this guy at the dog park and he was like oh just get dave and i was like that's the guy at the dog park that's who we listened to yeah well that's who was there you know listen to the dogs next like i don't know what's is that where we might have a better idea of what to do than i do okay okay uh capital one quicksilver it looks like you like almost paid it off but you didn't because still like almost five dollars of interest was accruing then you put on there 183 dollars now the credit limit is only 200 you started over the credit limit which is insane so like what give us the give us the story of this card what is this to you because so so when i was in puerto rico uh i was planning on paying off this thing and then this thing are you talking about this card the credit card yeah the credit and um the job i had never processed my direct deposit paperwork so they were giving me a cash check and my bank didn't exist in puerto rico and so all of my bank account that i paid this card from just ended up going to like negative four hundred dollars and i had like tons of cash in my pocket so i was like tons of cash like four hundred dollars in cash like enough to get my account back to zero but not and but i couldn't actually get it in my account because i didn't have a bank there and and my bank was only in texas and so that was you know i learned something from that it's like if you travel make sure you have access to your money and banks that exist there who dude who would have known that um why'd you come back well i am as a musician i had a show in austin and that ended up being i was like oh cool i'm gonna i had to pay over 400 just to fulfill the contract because i didn't sell enough tickets to uh where was it hosted it was a vulcan gas company and it was but it was by an organizer event probably that travels through the whole country there if tightly packed there were three four hundred they were like no no but that's what you could fit like yeah butt to butt probably yeah i've been there when it's full yeah there was like 10 total for everybody so like no so you had to pay vulcan no i had to pay the organizer they do different pop-ups around the country how the did you commit to this how'd they get you and then why'd you commit to something that like do people know you not then how how are you it was a bit of a blind judgment i think well explain i was like well i'm from austin and this show's in austin and it'll be a nice little homecoming because people will show up because i don't live there anymore and then i went no who would show up i thought i had friends but okay well i mean that would require a lot of friends i have more than i have like eight well yeah it was my first experience with like marketing my own show and um are you saying you have 300 close friends well no i had to sell 35 tickets minimum and i sold 11 which isn't bad but the the whatever that is 30 20 whatever like i had to pay for those tickets myself and like they find you how did you get it was a stupid facebook ad why did you sign oh i was like oh play music i do that why did you sign this why did you sign this knowing that i got with the gun yes i'm asking you know that now i'm trying to figure out why in the moment because because with what you're doing with this Philadelphia thing.

22:15I know, one second. Normally I wouldn't care as much about this because this already happened. But with this thing you're doing to Philadelphia, your life plan, it screams like you're just going to do something like this over and over and over and over again. So I need to know why. Well, so I can understand that. And I think that a lot of people feel that I am doing the exact same thing I did when I left for Puerto Rico. But the difference is, when I left for Puerto Rico, I was just overwhelmed about being in Austin. So I was desperate and I was like, I just got to get out of here. overwhelmed why i mean i was born and raised here um i've had nothing but traumatic and bad experiences my entire life around what was traumatic i mean like i didn't wasn't didn't have a healthy mother growing up i did like didn't have healthy people i have to ask because i mean so many people make excuses on the show so what was unhealthy i need to make sure we're not making excuses if it's valid it's valid if it's not it's not no i mean i'm talking like abuse like a physical drug violence uh as in any type of abuse you can imagine all of the worst things that a parent can do to a child um and so like my dad also recognized that and he got custody of me and i um he he was a good figure to look up to and then right around the time that i was overcoming the psych like the emotional um impacts of of what my mom put around me uh he was getting cancer and then i spent the next two years like my first two years of high school watching him shrivel up and die high school yeah and then uh and then my stepmom convinced me that i had to keep his death a secret like i couldn't tell anybody then he he died uh when i was 16 i'll go back to junior year and pretend like he's home like he's back home everything's fine none of my friends know none of my teachers know and for two years i'm just like freaking out why would she say that though psychos out there i don't know uh it was like it uh she she was saying that if if i if it became known that my dad was gone then my mom would find out my mom would try to get custody of me and all this stuff it's like none of that is going to happen within two years while i'm also like sure yeah at the age of 17 i can emancipate there's a lot of evidence already in court against like it was just kind of unnecessary okay but i believed her at the time and so i i did i kept it all within and that didn't help me um and so then you know all the like she taught me how to shave like it it did none of it felt right and so all the like adult conversations i would have been having with my dad i didn't get to have and then yeah i just and then you know my best friend i had one friend in high school who uh helped me kind of through that loss and then he passed away in a single car accident like at 22 a few years after high school and so then I like had nobody and I just became kind of like a floating sack of meat that just floated along and tried to just exist and didn't do a good job of it and things just kind of went downhill from there And so I feel like the last few years were me like the peak of me like just being stupid and idiotic and childlike.

25:37And then realizing all of that, you escaped Austin to go to Puerto Rico. You felt like you had to escape. Right. And also like nobody does well where they're from. I don't know any like I was with it. I was making way over generalization. That's not even close to true. But OK. Name me one person. name me somebody who has done well in their hometown um mr beast where is he from uh north carolina but his whole thing his whole thing is online is he has an online platform i'm talking like what but he built a massive company what are you talking about but like he has fans all over like did it was it his fan base began where he is that's that doesn't matter to what you've said said no one's been successful where they're from in the in there not just where my parents are doing well in the town they're from they've built good careers my dad has a successful business an entertainment career like well you didn't say in entertainment yeah you keep moving the what about socially are they socially normal are they like they have friends and stuff i can't relate i they just went on a great vacation i live in a town where tourists come every single day every single hour buddy this is they're like yes tourists come to austin but it's and and everyone i meet new york it is though everyone i meet is like oh i just got here last month and it's the best place i've ever been in my life and um everyone is visiting everyone no they lit and i'm never leaving and i got all these show opportunities and i'm doing this and i'm doing this and i'm like cool i've been here my entire life and nobody acknowledges my existence have you done anything i'm everywhere have you done anything notable that would have other people acknowledge your existence i'm sorry i'm sorry this is gonna sound rude we'll define This is going to sound rude, but you are not entitled to that.

27:24You actually have to achieve something. You have to do something. You have to put it into the work, and then you can be acknowledged. I agree, but what is notable? Like, define notable. Nope. Define, okay. Have I? Define notable. Notable means worthy of attention or notice. Remarkable. What have you done that's remarkable?

27:48I don't know. Is that something I can even decide? I can even declare? Well, I guess the audience would decide. And apparently the answer is no. There you go. So why would they then? But everywhere I go, every time I leave Austin, I'm notable. Yeah, to how many people? Everybody I meet. Oh, come on. Are you telling me if you go to Puerto Rico, everyone's going to show up? The whole f***ing San Juan's going to be like, Whoa! He's back! let's go maybe haven't done it gotta find out i don't want to spend your dreams but you're just sounding a little delusional with this and a little entitled yeah i don't know that i agree no one else makes it in their city that doesn't make sense i mean that is everything's a generalization every statement musicians in austin live lives by performing do they become famous not necessarily i was born i was born and raised here and every single musician that i've known that was also born here moved to leander like also awesome even though we're the 11th most populated city in the country we're the 15th most visited by tourists we're also number five on the list of cities that people are leaving the most and which is a recent study that came out in the last great so that completely contradicts what you were saying there at the beginning i'm saying that nobody likes it here because it's too like there's so many reasons it's not the place to be anymore generally if we're generalizing it's number five on the list of people are leaving people are recognizing that no no no whatever the advertisement for austin is is this doesn't matter to the conversation but uh to be clear just like any covid boom city where we had an insane amount of people move here yes all of those cities that's been true my whole life like i've been here yes every year it's been like oh austin is number two or number one on the most moved two cities in texas in america it's the fastest growing city but now it's suddenly like nope it's not growing so that's not true your whole life it's just now because after the cove for the first time in 29 years every city almost every city that had the big covid boom has experienced the same analytics but not every city before the covid boom this doesn't matter this doesn't matter i care about you what are you talking okay i don't see this doesn't matter what are you trying to say what are you trying i'm just saying i'm just saying that i'm just trying to say i think it's very important for me even if it's just temporary for a year for two years whatever that i get out of austin maybe not other people they can sit in their boxes and work their career jobs and be happy with that but like i can't okay so what are you gonna do then what's your plan i'm gonna to pretend that's not an entitled position because you think you deserve to make it but i don't deserve anything i think that i'm capable of it okay what's the plan i'm going to dc and performing at the kennedy center in a play um as a lead role there as well no there's it's a whole it's a local theater festival that happens every year and it's a whole industry okay reception afterwards um i applied to uh i got i applied to the role that was listed and then i uh got asked to audition with the actual script and then i sent in a videotape reading the script excuse me and uh got the role and most things a lot of things that i've applied to i've gotten the role because of the fact that i can play any role and fit into any dynamic because i feel like i've already lived it and i think that from what okay how much is this paying i'm gonna i'm gonna cheer that on if you gotta roll that sick i love that that's great trust me i'm not against you as an existence yeah it's just what you've been talking about has not been like reality so far but that's like a real thing so what are you getting paid i'm making 250 for a one-time table read and then there's the potential they want to turn into a movie and go from there whatever but for this specific gig i'm making 250 and then i'm setting up other projects um in and around philadelphia or new york or whatever to work outside of that and i already am so what's your pay for this position 250 okay just wanted to confirm also i was fact checking you because it's important uh number one for 2023 and 2024 so far in terms of cities that people are leaving los angeles los angeles number one chicago number two brooklyn number three queens number four five miami-dade county six brooklyn seven anaheim california eight uh pasadena california nine san diego california 10 san jose california also is on the top 10 list well okay so just find whichever article says that austin's number five and just like anything else on the internet you go confirm whatever narrative whatever statistics whatever scientific formula you want to put around it you'll find the answer you're looking for that's the issue with the internet but i think that's the issue with how you use this you go out and talk to real people every day too instead of just oh that's how we get reading that's how we learn things i mean anecdotal data yeah you go outside and you actually meet real people that's what an educated human person does yeah you live in the real world you can live in that box and get a totally different absolute joke just stop just stop that's stupid this is that's the stupidest thing i've ever heard in my life all that's gonna die eventually and we're gonna like be sitting around yeah technology satellites okay

33:20see this is actually concerning huh stone age is coming we're gonna have to know how to like make fires but this is actually your worldview which is impacting what you're doing no it's why you're so impacting what i'm doing i'm living because i'm still living in the world that is like what it is today but i don't think you actually care as much to improve it based on the world because you actually believe those things in your bone which is so indicative of your financial situation that's fair i think that uh the last few years it it was impacting my decision making a little too much but now i realize that there's a strong benefit to what we have available so what has changed well i need to like take advantage of the resources that exist change though to make you say that failure and humility like i've been humbled by being a arrogant like thinking i i know more than i do but in reality like i've and i've been freaking wrong well you got our 250 gig yeah they're paying for travel and living expenses right partially oh how much half.

34:30So they're giving you $250 plus? Lodging half of the cost of my Airbnb. How much is the other half going to cost? Around$250.

34:48I heard you guys wanted to get dirty again. Dirty money is back and this time you're gonna be a lady in the streets and a freak in the sheets. And you know who you usually meet in those sheets? I'm personally into BBWs. Budgeting. Bonds. Wealth. And this sexy merch is only available through the end of this month. And then it's going away. So to give you a little extra sweet treat, we're bringing back the classic dirty money as well. BDSM. Sluts for index funds. Finance daddy. If this isn't for you, you can eat my assets. Because I am, myself, an assets man. Go to calebhammer.com slash dirty to check it out before these designs go away at the end of this month.

35:33The first 50 purchasers over$35 get a signed and framed photo of your favorite asset, the Hammer dump truck. It's a springboard. Sometimes you got to hop on the springboard and allow it to bounce. Yeah, I've just legitimately talked to over a dozen of people just like you. Unfortunately, just that springboard has not worked. It doesn't surprise me. It doesn't work for most people. Exactly. And I'm not saying, I'm not trying to crush your dreams. It's just we can go about these things in a smart, educated, strategic way to be safe. If you had, I did not allow myself to quit my adult job to do YouTube full time until I had a year's worth of an emergency fund.

36:14And I said, you know what? I'm going to give this my all because I was able to stockpile. I went about it in a mature way. No bad debt. And then pursued it like a full on business. you're doing this like a hobby just having fun traveling around you don't have any savings to your name and you have debt that's not how we do this and that's why a lot of people fail because they have to get back to reality quicker because you don't set yourself up for success i know you want to rush into this it makes sense it's a want you want this i want it for you too give yourself the best shot to get there right i know i'm being a dick but i do want you to succeed right i don't get me wrong i'm not gonna not challenge your worldview because your worldview is idiotic but you know it's not out of hating you yeah i'm not trying to like repeat patterns um but i just regardless of anything i would be leaving austin whether i had okay i would be figuring out a way to leave austin and i'll make you leave austin in a body bag i uh will be um focused on establishing that consistency and patience and taking the time and dedication hard work that it takes to set myself up but you successfully after i leave austin but you have to work in the arts according to you no no no no i i'm open to why does it have to be philadelphia it doesn't it doesn't but that's what you already decided i mean things can change things can change all the time i'm sorry guys 37 minutes into the recording i don't know what your time stamp is but we haven't done let me at least go through the quicksilver i know i can get lost in the sauce sometimes so again five dollars of interest agreement it's not crazy but you put out like the balance is 190 on a 200 credit limit you started the balance over the credit limit especially because i bought a guitar uh right after i paid it off and i swore i wasn't gonna spend any more money on music and then i found this 99 guitar and i was like well i'm playing I see a charge of$159 from Guitar Center.

38:22That was because it was partially on a different card. I think I paid$50 on my debit card and then the rest. You said it was$99 or something. Well, I got a case because I was like, I need to protect it. It went in a store, got some bullshit. It went in a store, got some bullshit. It went in a store, got some bullshit. It went in a store, got some bullshit. It went in a store, got some bullshit. And Grande H2O. Water. Gotta stay hydrated. Oh, that's what H2O is. Oh, interesting. Who would have thought? It is. it's cheaper than buying a gallon. Any chance? You brought your van here, right? You got here with the van that you're like, do everything.

38:59Do you have your guitar with you? Yeah. Okay, let's at least test your talents. Can you test your talents for us? Oh, wow, yeah. Just give us something. Give us something. Go ahead. You can go ahead and get it. Yeah, okay. Let's see it. And you, the audigans. Let him know in a genuine, honest way not to – I know we can get a little cranky in the comment sections. In a genuine, honest way, if you think it's good, encourage him to pursue this in a financially smart way. If you think it's bad, also let him know. This is an honest zone. This is a truth zone.

39:34Well, look, I recognize that my money, my financial success isn't going to come from music. What I started realizing is like music is what I do for me. So what's your financial success going to come from? performing and like acting okay and how many acting gigs have you ever gotten i've been pursuing acting for less than two months and i've gotten over five over four and i've made more money from acting than i did in 10 years what you what you how much have you made almost a thousand okay that means the 10 years was an absolute failure yeah okay listen i feel like i'm walking into like a youth campground right now but just Go ahead What Whatever You You tell me Okay Are you gonna sing?

40:24You want me to? Yeah I want you to Give us your all Give us your all My all Okay

41:01Been so Been so searching Ain't been learning Oh, ain't been learning And I'm certain Oh, I'm certain Something's ruined Something's ruined Is there a more interesting song? What do I know? Well, so I taught myself ukulele last year and I'm teaching myself guitar right now. Well, I mean, your vocal thing, you're just doing the same vocal phrase over and over again, even with different words. So give me a little bit of vocal range here. Give me something that does a little different vocals.

41:52I think one of the strings is out of tune or your finger is wrong. No, it is. I didn't tune it.

42:01Vocal range. Vocal range. Give it to me. I'm a baritone. Yeah. Within the baritone range. Give me some just your range. I'm not talking about go the Prano and cut off your balls.

42:20This is where I push the red button going That's fair

42:28Do a song Buddy you want to do this For a living You know

42:39Name a song Espresso by Sabrina Carpenter I don't even know who or what that is I never heard of that in my life Espresso

42:54Espresso In the morning I drink espresso Espresso That's pretty good, right? I don't think you're a singer No, I mean I'll be critical, I don't think you're a singer I think the guitar probably, maybe, I don't know You're kind of just playing a few little riffs over and over again but it's kind of what it comes down to in different ways. I realize it. Okay. Yeah. But vocally, I don't think you have vocals. I don't have vocals either. Don't get me wrong. I just have vocals. Okay. Well, no, that doesn't make any sense to me. All right. Thanks. Yeah. I hit my table. Why don't you do that? Do that some more.

43:34Wonderful. And the cards at 30.74 % interest rate. Okay, buds. Dave, Dave, extra cash account statement oh good you were like overdrafting so it brought money in to your other accounts and you okay so yeah overdraft that's insane express fees overdraft tips oh that's good that's good this is insane extra cash overdraft 75 dollars fees 15 dollars tips three dollars and 75 cents that's what a joke uh and you've only put uh well it's a zero right now at least at the time of the statement yeah see i stopped uh taking uh extra cash you better stop but it was see well how are you financially going to get there to because you also got a are you driving to this show yeah so i gotta like save up 500 to pay for guys.

44:35Okay, so we're sinking$750 into this. $250. Yeah. So far. Plus food. Plus. Think about learning a trade, you know, that I can do. What the f*** are you? Yeah, sure. Yeah, go into trades. I don't think you'll make it through trade school to save your life. No, not trade school. Huh? I'm going to like be a poker dealer or something. Something I can do at night, you know? Just like make some things and then do projects. Make some things. as we have life figured out success I feel like it's a waste but I will gift you a certification from course careers if you ever want it it's great tech certifications things like accounting for adults I don't think you'll ever touch it but I'll bring that up for you oh good hard inquiries I'm glad you didn't get approved for that oh I think you did credit cards there's that credit card you have a credit karma thing yes that was that we got that recently what is it i don't really even know do you use it yeah what it's like a debit card and a spending account and a savings account and some sort of like a charge card i bet it's like is it like the fizz card do they use it like that it's like an own bank account it's like an online bank account really let me see it because i don't have a statement for that um i just no no no no i want to see the account i want to see the card i don't give a the card what are we gonna do with the card it's got zero dollars on it it's pretty valuable um but is it credit because it's being reported uh no it's but this is through the credit karma app right you went to school i see some university 2019 thing but it was closed that was just the name of the the uh thing for my car at the time it's just the name of the bank university federal credit union i was paying off my the card parking is this gas 30 dollars 7-eleven would that be gas 30 dollars yeah because it's flat yeah but you also went into hfp and gas and then you got declined something declined 30 there.

46:44More gas. Oh, good. This is fantastic. Wonderful. I'm cranky right now. I don't... You want some matcha? Nope. Okay. This place is pretty nice. Thank you. Are you going to move here? Hey, maybe. Squatter's Rights, right? Not in Texas. I'll go buy a gun from across the street. aside from the chains and whips over there i feel pretty safe i wish this place would be much more fun as a kink zone whatever you are got the lighting okay what is in collections what is this it is because it's a thousand three hundred ninety five yeah so before i left austin the first time i broke my lease early which was a terrible idea um and then they charged us for a full month of rent after we had already kind of paid and uh that just never got paid so i'm working on the second i have an extra 13.95 i'm gonna you know get it off work the job man i could get you to financial i think if i had worked a job like a long time ago normalness so quick you have no idea like a year ago and i just dedicated six months yes but i was too hung up on the fact that i had to go like do something and be something or something can i see that wallet again it looked really weird i see if you don't have an insane weird wallet like this and you have an interesting story and want help with your finances feel free to apply to be on the show calebhammer.com apply

48:24i think it was five dollars great looked free it was handmade or something oh check an account Okay, sure. What do we have in here? $206 is actually money in here. Maybe, yeah. Something like that. Every business needs a website. It's the first impression valuable potential customers see online. But so many websites are poorly designed, turning those precious eyes away from your business. Luckily, the sponsor of today's episode, Durable, is here to solve that problem. Durable is the number one AI website builder and business platform for entrepreneurs. viewers. Whether you're a seasoned pro or just starting out, Durable makes it ridiculously easy to build a stunning website in just 30 seconds.

49:08And guess what? You don't need any coding or design skills. I mean, if I can do it, you can too. With Durable, you can create a website for free, make sure everything is just right, and pay when you're ready to launch. Yep, you heard that right. Just head over to durable.co slash Caleb to start building. Once you're ready to publish, use my code Caleb30 to save 30 % off your first three months on any plan. That's right, 30 % off. What I love about Durable is how customizable everything is. AI creates all the images, content, and overall design creation for you, and you can go in and customize to your liking.

49:44Plus, with tools like the AI CRM and AI Blog Builder, managing your business has never been easier. So stop making stupid taquito excuses and take control of your financial future. Go to durable.co slash Caleb to try Durable for free and use code Caleb30 to get 30 % off any plan for three months. Trust me, use Durable and step up your website game today. Why are you here? For f*** sake, why are you here? Um, because I don't even know, like, the first thing about financial guidance. Okay. And. What do you want? a clearer path forward will you listen to me yeah you seem so ready for what you already have planned i mean i think that i'm going to do what i have planned but i'm also going to listen to you and find a way to mesh both worlds together so essentially i need to come up with a way to make your plan not as dumb as it already is possibly if that's what you're down for well i think that's Because if I make up a plan that is actually smart, I don't think you'd follow it, meaning it's kind of pointless.

50:54So I might have to adapt it to you to at least make sure you get any kind of help or else there's no point in this. That's fair. I think so. Went inside, got some BS. Dave Inc. Dave Inc. Taco Bell. Oh, this is great for someone that doesn't make any money. I mean, yeah, it's cheap. Okay, what is this Grande H2O? It's like one of them water stations outside of the H-E-B. Oh, so you get like a big thing? two gallons for like a dollar instead of going inside huh no i don't have any where i'm living right now is on my cousin's property with no plumbing i live in a broken down trailer where do you poop i drive to hv that's what i'm always saying no way yeah i have to poop i have to get in the car how far are you away from an 10 minutes so when i wake up some mornings it's cutting it close i'm like you know i may not i may have to dig a hole today but so far i haven't i'm gonna have to because i have about five minutes when i feel it to when i'm like running i'm a little more on top i respect it yeah um i don't know what's wrong with me but if i especially after all that's why i brush my teeth yeah well i you brush your teeth you're kind of homeless but you're not homeless it's weird yeah i know it is also you need to wear sunscreen okay i don't like sunscreen but yeah oh you're 29 but i'm seeing signs of like sun aging i have cancer you do no i don't know i thought i was asking you're a doctor right how about dr hammer okay yeah you're trying to be funny that's fun that's great okay my dad died of cancer so okay it's like a really rare form called goblet cell carcinoid that has only had like 600 cases ever in the world wow that's wild i'm sorry that sucks um so maybe we wear sunscreen to avoid getting skin cancer or at least avoid you're a hands dude you got you got things going for you you're skinny you're tall right i'm talking six two okay yeah so you got things going for you that i am jealous of like i wouldn't be able to work on the height i could guess you know but whatever you're and i wish i could get 40 right when you're 32 so wear some sunscreen buddy because i see signs of aging on there i don't think the cameras pick it up because they don't pick it up it's like close as i do but you got some sun aging going on okay all right just looking out uh taco bell and that's another reason why i'm surprised you're able to make it 10 minutes and then you're back going in for b every time you go to hb you're just like getting some like like three dollar like snack and drink Yeah, I've tried not to.

53:29Well, you do it every day of your life. YouTube Mush Mountain View. Oh, that's where it's from. So is that YouTube Premium? It was. Yeah, I just don't have it. Well... Have you canceled your subscriptions? Yes. Just recently. Taco Bell. Berry Good Buys. $5. Yeah, man. I got these sandals. It's a thrift store in Fort Worth. $5. bucks i've been wearing them almost every day since dave dave going in getting some bs hop dotty you can't afford hop dotty no i promised a friend i'd buy her lunch yeah you can't afford your lunch or her lunch i don't make money made it happen that day you didn't you're further into debt you spent more than you made so yeah incorrect going in getting some bs going in getting some bs you filled up some water taco bell i understand filling up water in situations fine so i'm actually I'm not going to call that out when I see that.

54:26Taco Bell, going and getting some BS. Dave, going and getting some BS. Going and getting some BS. Going and getting some BS. Going and getting some BS. Going and getting some BS. Cash happening out$11. Dave, going and getting some BS. Going and getting some BS. Going and getting some BS. And Tellin' Beats. Yeah, so. Yeah, it was interesting. What the f*** is that? I released a new song today, actually, this morning. And that was an instrumental of the song I recorded. Just instrumental. No vocals? i added the vocals the music video okay we're gonna listen to you in the post show oh my we're gonna listen in the post show hey buddy if you don't want people to hear it don't release it no it's that's what i say yeah the music video drops at 6 p.m today i shot it two days ago i didn't spend money on the video what is this though you said you what is the 40 dollars i spent money on it yeah the instrumental oh you didn't even like make the song there's certain times where i use an instrumental that i made oh you're like a fake musician okay going in and getting some bs i can't know there's other times where i want to use somebody else's instrumental because it's a form of collaboration and like i a form of collaboration that you pay with them they don't even know about because i make all the money he the way that contract works it's like i paid 40 dollars he doesn't want anything after that i know because you paid for the okay this is this car can only be good for both of us this van that you're driving to a new place to stay in and live in how is it it's not gonna make it much longer if we're being real about it and we're relying on it to travel to this gig and to oh my gosh how many miles are on it 284 000 whoa what is it it's a 01 ford explorer and it doesn't have ac how are you existing it's um not easy no all these poor dogs well we go to the dog park and hang out at the creek all day so it's like we're in water well that's because you don't have a job yeah yeah we would all that too but we decided that we were going to be adults you have not left the age of 13 yet I mean they're having fun no and I'm glad they are like truly like I am happy for them in that case unfortunately if a vet emergency happens then I feel bad for them because you have no way to pay for it oh i mean 13 year olds yeah 13 year olds are having fun with their life because they're not worried about stuff so this van what are we doing what's the idea with it um well take obviously paid for yeah take as good care of it as i can make it last it's not gonna last in general well not forever nothing does um it's just old man it's like i i it's in good shape to be honest for as old as it is i had to get all new breaks for it last year and it was over a thousand dollars and i don't want to put that much into it again the internet your favorite thing says that they last around two hundred thousand dollars and can last three hundred thousand miles uh 284 and going to philadelphia is 1664 i've also seen cars that had 800 000 miles on it and i don't think it'll get there but yeah probably not so before then i want to be able to have my credit in a good enough spot okay to be able to put a down payment on a car and get a new car and then start using that sure that's gonna go great and if i can build my credit to a decent with what income how are you gonna get approved for a car loan and if you do your car loan is gonna be like 30 for eight years and you're probably gonna get something you can't even come close to a 40 and if you get approved i don't know how you're gonna get approved what are you talking about what world are you in you have a maxed out credit card and have collections what credit score are you talking about my collections are tiny and my credit limit is tiny so you know what that means that i actually don't make much money let's let's use this as a learning sorry i almost freaked out let's use utilization is a massive part of your credit score you don't want to go over 30 you don't really want to go over like any percent so you don't want to hold any interest but either way it negatively impacts your credit score when it goes over 30 because your credit limit is so low 30 of your credit limit is 60 bucks you can't have a balance more than that but you're sitting at 200 your credit what's your credit score i we were just in credit karma what was it yeah it's like 545 or something five something collections what it hits it by what 30 points 40 points or 20 points i don't remember because i don't get them right it's um 565 it went up 12 points this week can we even make a budget for you you're leaving when are you leaving uh the latest august 17th latest okay so if not what are you paying for rent right now not at least it was that god yeah what's your plan for income out there i hope to figure that out soon before i get there if any like i have a couple things ruminating my head maybe get a job at it like how much of it is skunk none uh i spend no money on i've never drank um i might it was a joke what's ruminating or what's going around the head probably uh i've thought about maybe like working at a dog daycare because i've done that before it doesn't pay anything but like why not get a job well like because then every job job that i could get that like pays a decent amount like wants a commitment for me from life for life and i'm like every every business person i meet is like cares so much about their place and it's like that makes they own yeah it makes sense because that's your thing but that's not my baby like i have a life i have a i have goals i have things that i do outside of work i want to be able to go to go to work and do like i'm not against working hard i love putting i love i love working i actually do i just don't like getting trapped into circumstances you can leave a job whenever you want to but but yes when you're in like that shift you're committed and if you're not committed you don't work there because you're fired but you can leave whenever you want you're looking at like it's like in like slavery for the rest of your life that's not how that works it's not you're getting paid for something you agreed to you have come to the contractual agreement with the employer they need this you want a job and money and you guys are able to figure it out in the marketplace of what that income is like for you to accept that position which i'm open to figuring out once i get once i leave austin because i would be doing i've been doing that i've been knowing that i'm leaving austin for like over about two months now and initially doom once and initially good i was like applying to every single job on indeed you could think of everything yeah but i bet your resume is like a joke like we would probably want to use a resume building service maybe i mean my resume is pretty good it's like i've i've spent long dedicated time at places no i know but like your resume itself the build out of it might not be very good oh like the look not just the look but like the keywords and everything you're using oh i've never thought about it uh but like i mean i'm a hireable person once you look like my resume has gotten me you got it likely i mean they just sifted through systems and then you got to get interviewed from there like every time i go to an interview things go well really which can be bad because like then i'm like well i have to do it you're not required to stay at a job you can leave a job i don't think you should so but you you're you're acting like once you accept the job position you are there until you're 70 if there's nothing like that's what they want from me and they know i know of course if you're a good employee they would want you to stick around but if you're a good employee and they want you to stick around over the course of years that means you get to make more money because they want to keep you around yeah but now i'm in this spot where i'm like i'm in this limbo stage where i can't really get a job in austin because i'm about to leave but i can't really get a job in philadelphia because i'm not there yet but i want a job i do want a job you kind no you don't you just said ideally i'd be able to just make all my money from acting and performing and magically everything doesn't happen magically right we grind away fantastically like that'd be awesome also washington dc philadelphia not known as an acting city but it has hubs that it connects you like yeah i can't live in new york i don't want to live in new york but um you know ideally like oh it all works out and i'm a great terrific successful actor but good game plan obviously i have to have a a side plan in the meantime because i still believe wholeheartedly that that is what's going to happen i don't know i don't i'm not going to pretend like i know how fast that's going to happen but i don't think you know anything and i need to here's a recap of this conversation you currently have to drive 10 minutes to take a poo poo right now and you don't have water okay you know that's your situation life handed you 60 000 on a silver platter and you blew it all in three months and left the 25 000 of it in a parking lot essentially and drove away took money from a charity to go to go be homeless in Puerto Rico with no plan.

1:03:46Got back to Austin, agreed to some shady predatory music contract and lost hundreds of dollars. Now you're planning to drive to Philadelphia with a broken down car to basically go homeless again. And you refuse to get a real job because you think it's slavery. I'll be in the chilliness so it won't be as hot in my car. Yeah, that's where you die though. You got blankets and heaters. There's three of us. Oh, the dogs? Oh, those poor dogs. they love their life you know they did a study in like homeless people with dogs they were like i don't know everything you've cited so far has been incorrect when i look it up so they did very much veterinarians were advocating that you know homeless people take much better care of their dogs and people in their boxes because their dogs are much happier being in like the real world like nature and stuff and like really the ones i see with the homeless here are on a sidewalk this big next to raging cars that are flying by.

1:04:41I actually agree. So I don't know what this article is talking about. I'm just sharing. I see them eating pizzas. I don't think that's a... I'm sure it tastes great. I don't think it's what dogs are supposed to be eating. I highly doubt their life expectancy is as good as... whatever. Why am I wasting my time? I don't know what to do with you, man. I'm just thinking... I'm just thinking... I mean, you have nothing invested. I'm trying... I want to make an example of like what it's like if you like – if you open like a account with a brokerage like Moo Moo. I mean that's what I use. So I buy some stocks in there, right?