Togi Is Worth -$10,000,000 | Financial Audit

24:13Just because I spend 300 racks on private jets doesn't mean I can't stop because something else comes up. That's the thing. I don't know if you could. You might gamble it. You might lose it. I don't think you can say I could spend less. You don't know, but I know because I know above any addiction that I have, I care about people above all else. Right? So says every addict. Says every addict, but I can stand on that business because I have spent millions of dollars. I've sacrificed millions and millions, tens of millions of dollars. For example, the Eivor thing. My best friend owns half of it.

24:46No, no, listen, listen. My best friend owns half of it, right? Half of what? The business. Eivor, right? Is that your business? Yeah, yeah, 50-50. Evo is your business? Yeah, yeah, I own 50 % of it. I own the other 50%. You own 100 % or 50 %? No, no, no, you get what I'm saying. See, we're back to the semantics. You keep going back to the semantics trying to distract me from my point. The point is that he is, I gave him a big opportunity and gave up on big investors. I had other people that could build me better infrastructure, but I wanted to build a business with my friends. You know what I mean?

25:19so that's why I sacrificed building my business exponentially scaling it to give it to him exponentially scaling it okay fine what's it worth what's it valued at if you were to sell it today I don't know can you answer that listen you don't have what people would say is necessarily a sustainable audience new viewers is 24 % your demographics are young they move on easier you want that established like that that 25 to 44 crowd they stick around you have a decent chunk of the 25 to 34 but your second biggest chunk It's not about YouTube. It's about me. Everything I do, I'm going to win at. What the fuck is that?

25:55So it doesn't matter if it's YouTube. I could go over and become Mr. Olympia. I could be the best bodybuilder in the world. I could go to the moon if I wanted to, and then I'm going to get rich. You know what I mean? Objectively, no. How are you going to the moon? Factually, I could. And you can't. How? Define that. It's not important. How? Because I could. Yes, it is. And that's what you don't understand. If you say you can. I live on Mars. I can do anything, and I will do everything. And you'll never understand that. and I couldn't explain to you that I could be the president. I could be in the NBA if I wanted to in five years, and that's just how I operate with everything.

26:26And it's like, dude, all right. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data.

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27:48Dude, because you struck success once does not mean you're going to be an Olympian. This is not how this works, man. Okay, listen, listen. It's not about how, okay, if we want to talk about striking success multiple times. I was a millionaire when I was 19. Then I went broke. And then I made like a few hundred thousand dollars on my pursuit. It was like maybe half a million dollars on my pursuit to like YouTube. Failed again. So it's like, how do you quantify success if it's just money three different times? I don't even think you're a millionaire now. The savings I have here is$391 ,000 total.

28:22Oh, yeah, dude. Plus 100 ,000 hours of debt. Pepe holdings? Uh-huh. 300 ,000 in Pepe. Well, that's great. I don't know. 100 ,000 hours of debt. How do you quantify what a millionaire is? You have a million dollar net worth? Assets versus liability. Your liability, as far as I see here, is 100 ,000. But you say there's another house. Do you have loans on that? Yeah, yeah. Did we not tell you the other house? No. $800 ,000 in equity. Who's we? Who pulled your statements? GERD. Okay, that's the guy. The guy that runs shit. Yeah. GERD. Yeah. But either way, the point is, okay, am I a millionaire? Maybe.

28:58Probably. Maybe with the house. I don't know what the... Well, I mean, I have like what? My car collection is like$2.5 million. Any leverage on those? I mean, I have a$100 ,000 car loan, I think, right? $56 ,000 owned on Huracan. Okay. you showed up with like a what was it a Rolls Royce the other day when you filmed iced coffee hour you own that I own every car except for the Huracan is there loan no loan cars in general are depreciating assets in that league it's a little different you were just like oh is he a millionaire he has a$700 ,000 of oil tow $500 ,000 $300 ,000 rolls that's a million dollars right there that's pretty close but your liabilities we have to take into account that I don't know what your liabilities are because you couldn't send everything.

29:44I don't know what they are. It's just a house loan. And then I owe my home with 30 racks. What? You own two homes? Still? No, no, no. Just this home. $800 ,000 equity. And then something 30 racks? What is 30 racks? I just owe a friend that. It was like a gambling. You owe a friend 30... Okay. For like degenerates, what is a rack? Oh, thousand. Okay. Why do you own 30? Oh, I don't know. I was at... Are you not afraid of retirement? Because that's what I'm afraid of. I'm going into this conversation thinking about how do we get you to the point of any kind of stability? If anything were to happen, you'd be fine.

30:18That's my big conversation I'm trying to have here. Okay, okay. Well, the thing is, I don't want to retire at any point because what do you do? No, no, no. It's a sense of security if something goes to shit. It gives you a chance to build back up. But you have to understand that if anything, okay, in your head, what is going to shit mean? Lose all your income. income zero. How would that happen? It happens to people all the time. Businesses go under every single day. Billionaires go to zero. This happens. And you're not special in that regard. Are you kidding me? In that regard compared to people who've built billion dollar businesses?

30:55No. And you're telling me they just lost a billion dollar business, income zero, and then they die? Yes. You never know. That does not happen. And A, B, it would never happen to me. You cannot speak that into existence because that would never happen to me. I hope it doesn't happen to you. Your mouth is like you putting this into the world, an idea that would never happen. That's like me sitting here. It's happened to people. It's happened to people, but it would never in a million years happen to me. Because, dude, you have to understand who you're talking to. The man that can go to the moon.

31:22I live on Mars. Nothing. I could lose it all and make it back. And, dude, it's also like, bro, I have such. This is the difference, right, between like you and I. I care so much for people that I'll go broke for a person. You can't say I don't. No, but you put a monetary value. So they can live their lives independently. You are worried for health insurance and you're gone, whatever. No. Hey, Toge, guess what? Your mom's cancer doesn't fit our statements. No, Toge, first of all, listen, if you do have assets, let's say$2 million, if someone gets an aggressive form of cancer and they need extensive treatment, that might cost millions, something you can't cover by liquidating everything.

31:59Number two. I make a million dollars a month, I'll cover it in three months. No problem. You have to understand this. You don't understand that karma. is a very real thing. I think because I am so charitable that I'll always have the universe working for me. It's not about the numbers. It's about the vibes. I'm trying to explain to you how important the vibes are of this life. And it's like, everything got to be on a spreadsheet for you. No, and number two. The vibes are very important. If he leaves for whatever reason, either forcefully or he leaves on his own, you don't take care of it. him anymore.

32:38But if he was making enough, he could set aside money. No, no, no. He's my friend. Employee aside, he's my friend for life now. He's your friend now. Not everyone's friends forever. It happens. No. You've never lost a friend in your life? Not once. Have I ever lost a friend? Not once. I have about seven friends. A friendship fizzle out. Ever. Never. I have seven friends and I would die for every single one of them. How old are you? 23. Well, that's why. I mean, dude, you just don't have life yet. No, no. You can't say something's going to happen to me because I've not lived enough. That's like having this, okay, surely it happens to other people, but it's going to happen to you just because you don't understand.

33:13You're talking to me like I don't understand my own friendship, and you're trying to, again, put this numerical value, this statistic on my friendship, on my love lives. That's never going to happen to me. Togue, you're not listening. I'm listening, and you're telling me because it happens to everybody else, it's going to happen to you. I'm not saying it's going to happen to you. I'm saying because it is so common, there is a decent chance. That's what I just said and if it does they're because you didn't know no but here's the thing to prepare themselves here's the thing if a friendship somehow were to fizzle out because of the many many many years of me getting to know that person building connection love doesn't just evaporate if i love somebody and we had a falling out and something happened i would still send them a million dollars and i can say that with 100 confidence okay what if you died at 35 because you stepped in the street got hit by a truck because they're sick trying to survive i give every one of my friends the best opportunity right now we're teaching edward how to work hard we're teaching we're giving half of my business proud of you edward i work i every single person in my circle i don't just give them you know money so that they can save up and make their little hundred thousand i give them the opportunity to become something incredible in their mind like behavior has edward learned being around you who lost his house gambling dude just me sitting here on this podcast talking to you is something that like he was never exposed to before this world it's like now he's in the room with you what did you learn from this edward he's going to learn something at the end of it because he's in a room with a goaded finance-y goaded youtuber look at this he's sitting in the room with one of the goats you're telling me that's not valuable if you were sitting in a room with jay-z you're gonna say you know what did i learn really from that yeah but you're like the only influencer to even come on the show he would come here as a normal person.

34:59We film with three normal people regardless. That doesn't strip it of the value. Yeah, but he could have come here regardless. I'm saying he's here with you now. Yesterday, he was hanging out with Steve Will Do It, one of the biggest YouTubers in the world. And the day before that, he's with the Trent Twins, two of the best powerlifters in the world. He meets cool people. What is he learning? He's with year eight production. He gets to be learning in these circles, and then we do like whatever. Reflection of everything. Understanding what's going on. Does reflection led to a pay cut? Yes, that's how it works, bro.

35:28If I kept blowing smoke up his ass, oh, good job, good job, then he's going to keep thinking he's doing incredible. But by saying, okay, this is the reality, I'm not going to fire you, your pay has been cut to effectively zero. Now it's a wake-up call. We'll bring him in in the post-show, and we'll let him speak his truth. Yeah, yeah. Okay, listen, man. So I am about to go into these finances because we do need to get into this. But I think I at least understand where you're coming from a little more now. Because, again, I really— That was the getting to know segment? Yes. All right, let's dive into the finances.

35:57I don't know your perspectives. I don't even know how you view things, but now I kind of do. I didn't really understand it in general. But how frequently are you gambling? How frequently? Like how frequently are you gambling large sums of money from your million that comes in a month? Which is not a million in profit, by the way. We do not know what your overhead is. You know your labor costs potentially. Yeah, but the overhead is fluctuating. Yeah, per video. So the net income per month to the bank account is$700 ,000, right? As we've seen. I was just told it was a million. No, no. And then I make$300 ,000 plus through other schemes that might never, like the gambling and stuff.

36:37Oh, so that's if it happens? No, no, no. There's like deals in place that guarantee me that amount. But that's my gambling budget. Okay. What did you pay for this underperforming video that you uploaded six hours ago? I thought it performed very well. Can I see? Yeah. And I'm just assuming not.

37:07It's performing. Well, you can look at it. Yeah, what's its rank? Four out of ten. Oh, okay. It seemed like it was on the lower. So what did that cost for 53 minutes, 18 cents of non-monetized content? 900 ,000. Okay. Actually, a million. A million, probably two. Okay. And you make a video a month. Yeah. And if a million's coming in, I mean, that's a million out plus more. But it was, so you have to understand this. I feel like you are lacking in life epic experiences and you have a lot of money. That video is going to make whatever, however many people laugh, but I get to cherish those memories forever.

37:41And that video, it's like having a cool car. So it's like you spent a million on a cool car. that's the same for the video i got to spend whatever and it's gonna do a few million views will it roi probably not but that's the pursuit listen listen the pursuit of better is shooting shots and it might not work i took the risk 900 000 i took the risk will it roi i will find out and if it doesn't that's okay because now i know i tried i never have to ask what if i tried to do a high production video? What if I tried to do something that was way out of my league, but I'm trying to get there? Maybe it doesn't work, but I tried and now I know.

38:20So you're judging me on my failures aggressively. You should be, I applaud people for their failures. So that's why if I was working for you, I'd be freaking the f*** out because it's like, oh dude, he's going to, I mess this one thing up. If somebody on my team tries to do something like that's a little outside of the box. Yeah. Great. If it doesn't work, that's great. We're outside of the box. That's where I live. He's ours. You're sitting here with this cookie cutter. Everything's got an ROI. That makes everything less exciting. I have payroll to hit, man. People deserve to actually be paid an adequate amount of money.

38:52So I have to make choices and, yes, be cookie cutter so that people actually are able to pay for their rent because they don't live with me because we're not in some kind of cult. None of that is relatable to me at all. What? You're speaking to me like all my friends were buying. Also, the next thing we're saving up for is a property. We're not renting it out to anybody. It's just for friends to live in. Until you lose it. So the living life experiences versus saving. The fact is, because of what I've done and put actually money aside, I can live any life experience I want to now for the rest of my life.

39:26Yeah, but it's not. Listen, it's about how your brain has been hardwired. You won't. It's the same with the coffee hour guys. Well, I'm going to keep working. No, they're more extreme. It's the same as the coffee hour guys. They're more extreme. Because they're like, oh, I only can spend 4 % of my money. No, I don't do that. I spend. If they're more extreme, if you're within a 20x range of them, you've been wired your whole life to I have to save excessively. Did you grow up before closure notices on your house? I don't even know what that is. Okay. Well, I did. That's why I was hired that way.

39:58The threat of losing a house growing up. I have lived in a closet before, and it's not that bad, dude. It's like chill. It's not a big deal. I used to live in a closet of frat for free because I couldn't afford it, whatever. Dude, you lived in a frat. I mean, that's all it was. I mean, that's, come on. Everyone lives in weird situations in a frat. That's what I'm saying is it's not that bad to be effectively homeless. Okay, that is not homeless. That is very different than losing a family home and seeing your parents struggle to pay a bill. That's fair, that's fair. Living in a frat? What the fuck are we talking about?

40:26Okay, okay, okay. Okay. That's different. I mean, I wanted to rebuttal to something that you said, but. About how you're hardwired? to save money and not enjoy life. With your$900 million or a million dollars that you spent of the return on investment. I don't know, man. What are your goals? What do you want to do? Enjoy this life. Okay, financial goals. That goes into your enjoyment, but what is it? I don't think about financial goals too much because there's other things that are more important to me. There are, but what financial goals do you have even if they're not top priority? Oh, got you.

41:12None. I've never really been like, I need a goal, but that's why I'm here is because, well, mostly because my mom would be happy if I had a goal. So maybe you can help me make a goal. But the point is that it's always been so low on my priority that it's never even a goal doesn't get established. Do you have a girlfriend? Mm-hmm. Okay. How far are you guys in this relationship? I've been dating for like 13 months. So, okay, you know, you're taking it more serious? No, no, no. She knows that we are not getting married. You're not getting married? Yeah, that's how it's established. Do you ever want to get married?

41:43Yeah, but. Potential kids? You have to understand, I don't know. It's very hard. You don't know, but I want you to be able to take care of them if you die. I mean, that's a big thing. What would your girlfriend do today if you died? How much money do your kids need? Isn't it, what, if you could spend$100 ,000 a year on your kids, is that's a pretty good life. That would be a great life. Are you saying per kid? That would be incredible. Okay, so let's establish a goal right now. If I maxed out four kids. For 100 ,000 hours each for the rest of the life? We'll do 50 ,000 each because when there's multiple kids, it's like cheaper per kid, right?

42:14And the wife probably as well, right? So let's say I would like to raise four kids to 18 years old. How much money do we need? Plus the mother of the children, I'm assuming, right? Plus the mother, sure. Call her 50? $250 ,000. Okay, if you're trying to get to$250 ,000, yeah, I mean, I'd be comfortable with about$15 million sitting in a decently balanced... Dude, that is so... There's no way you need$15 million to raise. For them to never run out of money, you have to do about a 3 % withdrawal on a yearly basis, absolutely. Oh, so you're saying $15 million, you take out 3 % every year, and eventually it's at zero when they're 18?

42:54No, it should never be at zero. That's what we're trying to get it to. Oh, no, no, but that's what I'm saying is... You want it to go down to zero? Well, that's what I'm saying is that's okay. I don't need – that's okay if I die broke and my kids don't have any money, but they had a great upbringing. They learned a lot. I would rather my kids not have$15 million. I would rather them have a good upbringing. The money's gone at the end, so that way – But why were you telling Edward on the way over here that you wanted to have kids? Did you – I didn't – that was – somebody was saying that I don't want to have kids.

43:25He wants me to have a kid. He wants you to have a kid. The point is, it's a whole thing. You can't even take care of him. How are you going to take care of a kid? This is a whole thing. He wants a kid, so he wants me to have a kid, so he feels better about his kid. You can't raise a kid on 1 ,000 hours a month, Edward. How old is Edward? 22. Either way. So the point is, I don't want kids, but surely that mentality changes as I mature. But the point is, just tell me how much money, so it's zero. We're not talking about 3 % withdrawal rate. To get my four kids to 18, how many dollars? Well, it's 150 ,000 hours a year times 18.

43:57and then the mother of them just has to survive off of nothing for the rest of her life? No, no, sure. 4.5 million. Sure, give the mother$100 ,000 a year. For the rest of her life? Forever? No, no, no. Everybody is only surviving until the kids are 18. And then as far as that goes, once you have kids that are 18, your life is over. You might as well be, you know, dead. Because that's like the ultimate. Lucky woman who gets to have your children. 5.4 million. Okay, 5.4 million. So how much is that a year? Well, I don't know. how many years to get to it? 18 years, dude. Divide 5 or 4 million, divide 18 years.

44:32Yes. How much is that a year? Enough to take care of them. It's 100 for her and 50 each per child. So I don't know what we're talking about. How much money is it a year? 300 a year. 300 ,000 a year? That's what you asked for, yeah. I don't see how I could ever not make $300 ,000 in a year. No, I said if you're dead, dude. Oh, if I'm dead. If I die. We're trying to prepare. But then there's no kids if I die, dude. Oh my goodness, it's after the children. Oh, the children get born and then die. Yes, that happens in his life. Bro, no, no, no, no, no. Then the dynamic of the family changes. Yeah, they'll be sad and poor.

45:05They'll be hard-working motherfuckers. You ever heard of David Goggins? Holy f***. One of the coolest badass motherfuckers alive. No father life. No parents. He got f***ed around nonstop, and now he's the GOAT. So it's like, bro, the dynamic changes. God has a plan for the kids. Yeah, I love making a three-year-old work hard. David Goggins is really well off. Glad you picked one guy. Dude, but if he can, why can't they? And that's what you don't get is that anyone can do everything. You think everyone needs to save because it's like manifesting your own and everyone else's failure. It's like their own demise is coming, so you got to be ready for the demise.

45:43How about this? It's basic finances. I'm on cloud nine and it's never going to happen. That's where David Goggins is so successful because it was never a question. When I go into something, there's never a plan B. there's never like, oh, what if this goes wrong? It's called Plan A Square. Why did he get healthy? Why did Goggins get healthy? What? Why did he get healthy? Because he was a fat f***er. He wanted to join the Marines. Wasn't out of any fear for health complications at all. And having more energy. I don't know. Did you ask him? I have no idea. In his book. You know him. I don't. In his book, he did not speak on health complications.

46:13You read a book? No, no. I listened to it. Okay. I'm assuming if it was just to join the Marines, then the point doesn't stand. But if it was for doing more health, If he can do anything, then why can't he be a fat fuck and join the Marines? Because to join the Marines, you've got to be a fit. If you can just do anything you want. Exactly. And if you want to take care of your kids, you need a bit of money to make sure they're taken care of. But the process of joining the Marines made him skinny as a result. That's not like a— And the process of making sure your kids are taken care of by the time you die is I saving money.

46:43That's what I'm saying is if I do die, they will figure it out. Not necessarily. Many kids don't. Yes, bro. Oh, because, and listen, this is setting them up. Life isn't supposed to be so easy. If I die, my kids are going to be stronger than I am today. I'm not saying make them spoiled. Listen, every day I've had a very good upbringing. And that, to a degree, those who go through more trials and more difficult battles have a higher purpose and have a higher ceiling. Because I almost, because I was so blessed and had such an easy life, I am effectively not as hard. I'm not as hardwired as somebody like David Goggins would be It's also why you're not afraid of anything bad happening If something bad were to happen I would pray to God that he has a plan for me and it's going to make me a better person at the end You can't say that nothing is bad that happened to me in my life I almost died last year I overdosed and I almost died That's fundamentally bad That doesn't mean it wasn't bad That's different than an emergency fund Listen, just because something is bad, it might be a blessing.

47:52God has a plan. And just because something, whatever, again, countless people become stronger because they're trials. Now their ceiling is unlimited. Countless people become homeless every single day in this country, and they believe in God, and that's their plan. And that's the plan that was made for their lives. You are putting too much value on money. Security. Who's to say that anybody doing much less than you isn't, you've never asked. Okay, what I'm saying is I know a lot of billionaires that are depressed and I know a lot of homeless people that are depressed. It's not about the money. It doesn't make you happy.

48:29I'm not trying to make you happy. I already know you're happy. I'm arguing for a little sense of security. If your life turns on its head, you might be a paraplegic tomorrow. You don't know what's going to happen, dude. And that's all I'm saying. It happens to people every single day. That's what I'm saying. Okay, if I become a paraplegic. I'm not trying to buy your happiness. Okay, if I become a paraplegic, okay, what are you saying? I should have, if I, so your picture that you're painting right now is 10 years, I get both my legs cut off or something of that nature. Yeah, you dive into the water wrong, dude.

48:57And it happens all the time. It's happened to people I know, actually. It's kind of crazy. And so what's the point? Then you're not going to be able to produce the same kind of content. Your views are going to fall off. It's not about the YouTube views. No, it's about security. I want to make sure you can take care of yourself for the rest of your life. I can take care of myself because I'm togy. Not because I got a YouTube channel. So your ego. Yes. Uh-huh. But I feel like you're not understanding. Well, every successful person has this to a degree. You used to be very unsuccessful and whatever, and you became something magnificent.

49:34You had a degree of delusional ego in your own head. So you're not necessarily showing it. I'm not saying ego's bad, but if it's putting you in a position where you might f*** up your entire life if something goes bad, that could be damaging. Life is risky. Okay, and that's why you overdose, and that's not good. Yeah, and that's not great. So f*** it, life is risky. Dude, life is risky, and me overdosing may have potentially inspired millions of people to get off of drugs. Oh, good, do it again. You're not saying, no, but then I might die. Yeah, so what the f*** are we saying? Because what you're saying is that you're sitting here walking on like this line of like, oh everything is and I gotta be so careful I don't want to live like that I just want to be able to do you know whatever and come it's more exciting to have all the risk coming at me so it's not a big deal your drug use incentivized and inspired Brandon to do drugs instead of quitting so is this true you did drugs because of togi yes sir alright so that what did you overdose on I thought you said you barely tried it but you did a lot or something so the first time you ever did it No, that was many times in.

50:42Oh, for f***'s sake. Listen, bro, my experiences, I could, bro. And you're done? You haven't? Yeah, yeah, I've been sober for about four months. In that four months, I had one night where I did cocaine. Wait, when did you overdose? Maybe 16 months ago. Okay, so you relapse often. No, no, in the last four months, I relapsed once. I got really racked about until 10 a.m. So we're making good progress. In the last four months, yes, you've relapsed. but, and also before the most recent four months and the 16 months that you went to. After I overdosed, it was not any second of like, we should stop. There was, that's the life of a drug addict.

51:17Now, why have you stopped now? That's a good question. Life is just too busy to be giga racked on all the time. But either way, I don't plan on being sober forever. I'm just like mad busy. And then I just like haven't done drugs in four months. Isn't that what it helps with? Not to sell you on it, but. Not really. It kind of helps you like make really bad decisions and gamble like for 20 to 80 hours straight. Wait, so all the content. Oh, all the content that everyone was watching until a few months ago was out content. No, there's there's like specific videos that I can tell you. And then a lot.

51:53So the drugs like rotate. We say as like because whatever. That's what I overdose on. But there's like the video. Why not you? I was on Adderall for the whole thing. Like really racked like 100 milligrams Adderall. The whole thing. And you can pretty clearly tell, like, when Togi gets on the camera, is that guy on Adderall? Adderall was my favorite. What was your most f***ed out video? No, no, I didn't usually do it on camera. That was just, like, for the love of the game. That's why he's the goat! The goat! And don't forget, I want you to be on the next episode of Financial Audit. So go to calebhammer.com slash apply or click that link in the description below.

52:26You'll have a great time, and I'm going to roast the f*** out of you. Starbucks is bulls*** and a waste of money. and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. or 10 % off your order at gamersubs.gg, or click that link in the description below.

53:08Type in code Caleb. But dude, okay, what is the big deal? I want you to... Why are you so judgmental, dude? It's chill, bro. I'm asking questions. No, no, but you're like, say there's like, okay, like he did for the love of game. It's like, oh, okay. It's like, dude, yeah, I did. And it was like kind of like to a degree awesome. But the point being is that it's like, dude, okay, whoa, whoa, whoa. you're going to have to accept the fact that some people like a slightly riskier life necessarily I'm okay with a riskier life I'm okay you've been busting my balls about it but okay I'm just advocating for one thing you said a couple million okay okay give me the game plan okay the game plan and I'm going to go through these finances right now and then we're going to go through it I literally just want you to set aside a couple million dollars five million dollars and then just pretend like it never exists and you can blow the rest I don't give a that's it can we just agree on that okay so I should set aside five million just that all right I'll set you You can live a good life with that.

54:01How do I do that? What is, I want to know from your perspective, how would you rate your finances 0 to 10 as a big picture? 0 being the absolute worst, 10 being the absolute best. Nine. If you want your Hammer Financial Score, get it at calebhammer.com. It just takes a few minutes to sign up. You take the score and... There's a thing that does it? Yeah, there's a thing that does it. And thousands of people do it daily. You can do it and it is free, calebhammer.com. And if you don't want to be like Toge, don't do me. And also make sure to download the DollarWise budgeting app. It is the best budgeting app out there for a reason.

54:32Take the free trial so if you like it. Most people take the annual version because it saves them 50 % on their money. And of course, when you do, I will send you my signed budget-friendly cookbook mailed directly to you. And that is going away at the end of March. So check that out. DollarWise.com, CalebHammer.com. Let's see Togi's money. Of the statements he did send. You use the thing in the ad. It's cool. It's fun, right? What the what? The thing. You're like, oh, don't be like Togi. because it's like, you know, engaging, exciting, whatever. I think you secretly, like, I think we're going to be friends after this because you love how crazy it is.

55:05And like part of you is like living vicariously. It's like I shouldn't, but that's awesome. Like secretly you're an advocate for the degeneracy. Oh, I'm a degenerate. I'm a degenerate. We have different degenerates. I'm a sex degenerate. It's well established on this show. I'm a degenerate in a lot of ways. I'm just not a drug guy. I'm just not a drug guy. Never been my thing. You ever bang a - So, platinum card. It's like a common thing. Togi loves a - Whatever. But I thought we were like - I was trying to create like a bridge, some common ground here that we could like shoot the shit about. Like, how about that?

55:37Like, what if we banged the same - At one point in our lives? But it's cool. We can talk about it after. But on to the finances. Your platinum card. What goes on with this card? I don't know. Because I have my mom, my dad, my sister, my grandma, my roommate, and me on it. Your roommate? What? Isn't he your roommate? Oh, he also has the Amex. Everyone in the world has it. Why don't I? Because you're rich as fuck. Why the fuck do you need it for, bro? So? You don't need more money, bro. Don't be greedy. My grandma is poor and she needs the Amex. If you make millions a year, why is she still poor, asshole?

56:14Here's the thing, right? If I were to give my grandmother any amount of anything, I secretly have, I didn't tell you about this, and I don't even want to tell the camera, but it's in a secret place. There's about$400 ,000 saved for my grandmother. In a secret place? That's like giga top secret. Is it? Am I leaving it in or is it caught? You can leave it in. You can leave it in. Whatever. But the point is, bro, they would kill me if I bought them a Tesla or something or whatever. So my grandma takes the card and she likes to show her friends. They go to their little Asian meetup and she goes, this is my grandson's card.

56:50And she pays for the lunch once a month. She loves it. that's all she does with the the credit card you are they proud of you as an asian yeah you know it's so funny oh my god my grandpa so four grandkids everyone goes to college very strict i'll get a phd super strict i dropped out of college and they're like you have to go to college every day you have to go to college you have to go to college and then i showed my grandpa that i was making whatever 700 000 um what is the number six seven hundred thousand a month and he's like he tried to get all the other grandkids to drop out and work for me because he's like what the are we doing getting PhDs when he makes what a doctor makes every month?

57:25I am confused because$628 ,000 is what came in. This is a low month. You said a million comes in. $628 ,000. This was last month. Yeah, last month, man. That's it. I guess it varies a good bit. That seems really bizarrely low. Are you sure that was February? Unless I don't have all your accounts, man. February, we came back at like 1.6. I don't know. Maybe the business did, but maybe I don't have that. Maybe your net is just that and then you spend more than double it. Yeah, I don't know. Is this paid off every single month? Yeah. Okay. I think so as well. And it's because of...

58:06Moke? What's his name? What are we talking about? Fuck, what's his name? Dirk? Gerd. Oh, Gerd. Gerd Miller. It's because of Gerd. Gerd pays this off every single month. I don't know how it happens. I pay it somewhere. But via Gerd? No, no, I actually... Do you live with Gerd? Yeah, yeah. Gerd's one of my best friends. And we trust him financially. It doesn't really matter. I could get somebody that I trust more financially, but I would rather Gerd grow into a person that I can trust financially because I trust him as a friend. So if he learns the skills and he f***s me out of a few million dollars in the process of learning the skills, then we're the giga team.

58:45Then I invested a few million in his education. And then it's like, Toge really can't be stopped. Bro, in six years, when everybody on my team, we know what we're doing, it's going to be awesome. What if Gerd is siphoning money and you don't know about it to himself? He would never do that. How do you know? What if he thinks it's moral? What if he doesn't even consider it siphoning? He's smart enough to know what is siphoning and what is not. I would never check it because I know he would never do that. And also, given the many people that look through the finances, like whatever, we got the Amanda, you now, the coffee hour, a CPA, financial planner, she has access to everything.

59:24So she would, there would be red flags, but either way, the point is that I don't know if this is something that's like, I don't understand why there would be any paranoia. like I would die for this person and this person would die for me so why would I ever be like I wonder if he's siphoning money like do you think your friends are siphoning money from you they don't have access to my accounts because you think they might siphon it from you no I just bro you're just not supposed to let people have access to your accounts oh okay okay fair fair I trust them enough and they would never do that I mean there are parents that love their kids that have siphoned money from the child actors kids I mean this has happened yeah but you keep like using the world to analyze my relationships.

1:00:05Which is fair because you don't know me, but I know me and I know that would never happen. You know you, but there's also people that are surrounding you. And people, when they become successful. I only, okay, sure. How many people do you trust have entered your life since you've become successful that you consider one of your seven that you would die for? Oh, probably one. Okay. Well, him plus the ones coming up. There's an extra level of questioning that has to be done there. You never know who tries to surround themselves. Oh, yeah, yeah. I don't, I'm surprised there's even one. I'm not like in the running for new friends.

1:00:34Like I don't really accept it with open arms. So I'm very paranoid. You're not inviting me over. I don't get to see the Austin house. We can do a party after this with the. Keep out on that. It's awesome. But the point is, I wouldn't give you access. Not because I dislike you. Just because I don't, you know, like. I'd say for money. After the fame or whatever. I'm a lot more paranoid about it. But these are people that I've known forever. Okay, okay. Okay, listen, $200 ,000 was spent on this card in one month. Yeah. One card, one statement. I think it was actually, what statement is this? Let me see this.

1:01:12It was actually more. It was$300 ,000. Yeah, yeah. That was before pay over times. $300 ,000 something. Which, I don't think you'll be shocked as a record on the show. I think you spent more than Amranth did. She was the other highest earner. Who's that? How much did your$100 ,000 cost? Bro, oh my God. I one time gave him$50 ,000. because I was so f***ed up. What was the last f*** you got in Austin? I never got one in Austin. Okay. Just like Vegas, usually. 50 ,000. Have you f***ed with your girlfriend? No, we've been with her. I decided that's gross because there's like a... Sorry, not with her.

1:01:46While you've been with her. Oh, no, no, no. You haven't had sex with one other person while you've been with her. No, no, no. I have like... Drug addicted Toby. At the first, let's say, maybe four months when it was like kind of dating, whatever, I was banging a ton of people and since a guy like Sirius, we have straightened out. Do you believe this? He's with me 24-7. You're getting paid. He's not getting paid. He gets paid$1 ,000 a month. Okay. Okay, first of all, all throughout here, all throughout here, you own all these cars, but there are Uber trips every second of your life. And it's always like the top end Ubers.

1:02:22Also, how often do you go to Uchiko? Uchiko, bro, is awesome. It is. No, I go there twice a week. Yeah, yeah, I don't know. How much do I go to Uchiko? We never, bro. Often. I'm just surprised we haven't seen each other at Uchiko. Like, I'm literally always at Uchiko. I go late, though. 9 p.m. 9? Yeah. Sometimes, yeah. Okay. I will go to Uchiko. That's me and my girlfriend's favorite spot. And you take flights all the time. I'm assuming that's for videos. Please tell me if that's for videos. Or are we just flying to f*** around? Or are we just having fun? Videos. Okay. So where did we have to travel for this 4 out of 10 video?

1:02:57We went to Atlanta Where the f*** were we at? I don't even know Where was that? Where did we go for this? Atlanta, LA Yeah, I don't know Why does it cost so much? This is$2 ,800 for flights $2 ,800 for flights Everybody on my team Flats first class What the f***? Why are we doing this? And how many people come? I don't know They got one to five How many people come? Edward One to five I'm not lying to you, bro Why would I lie about one to five people coming to me? I'm not saying you're lying. I just don't think you know. Oh. Yeah, but like one to five probably. Okay, Lowe's popped up all the time.

1:03:39Lowe's? Yeah. I don't know. That wasn't. We're going to Lowe's all the time. Okay, so this is in the portion of, let's see, because this is separated between different people. Who is this? Who is this first portion? Okay, so this, we blacked out names, didn't we? That's first person. Who's the first person? It's probably... I can tell you, if it's Lowe's... Well, who's donating on Kik every second of their life? Bro. I'm logged in on... With your own money. I was logged in on Steve with his computer. He gifted himself like 500 subs.

1:04:15Listen, Edward, I'm going to get you a course career certification and a Fizz card so you can start your life.

1:04:23it's okay you wouldn't know what they are but but it's like dude it's if you fail him or die oh yeah yeah yeah but edward's never gonna fail himself sorry mind card why are you acting like i'm his dad bro he's like a totally capable mother it's gonna be a millionaire one way or another if looks like a little boy i don't know he's accepting a thousand dollars why are we judging off of looks and you're overweight i'm not sitting here talking about it You can. But that's what I'm saying. I would never hold that against you. Also, it's obese, not overweight. I don't know the difference. What I'm saying is he's a totally capable dude.

1:04:54Totally capable dude, except you pick the Mexican of your group to go to Lowe's. Yeah, bro. No, he doesn't go to Lowe's. I think it's a germ alert. Either way, it's not the point. He would be better at going to Lowe's, probably. I don't know. I don't know who does any of this. Edward, do you go to Lowe's? I don't know. I don't run these things. You don't run the things, but you choose how much they make, if they're doing well or not. Oh, yeah. But you don't run it. You don't know what's happening. Kick streaming. In-N-Out. $82 of In-N-Out. Airbnb,$800. Uber trip to Zuber trips everywhere, everywhere.

1:05:25Airbnb. Airbnb,$2 ,200. So do you guys Airbnb every time you go somewhere? Yeah. So you can have full reign? I wouldn't be surprised if on this statement, there's like$20 ,000 at Airbnb. No, there's probably going to be more than that. Yeah. Uber Eats,$91. Uber Eats,$88. Is that all the meals you guys have unless you go somewhere nice? No, what's funny is we actually have a private chef. Well, we're Uber eating every meal. Why? Well, because we fired him like three days ago. Why? This whole month. Why's he fired? I probably just wasn't. I wasn't using him enough. I was like traveling. I'd leave for like months.

1:06:02And did you take care of him when you're firing? I gave him$10 ,000 severance. What was his monthly pay? Six and a half. That's not great. talking about caring people when I fire people even that I hate I give them better severance well when he joined he said this is not a real job he was like unemployed and was like I really need work I was like sure you can be my chef and it was like this is not gonna last more than six months okay Dash Pass Uber Eats$20 Uber Eats$230 Uber Eats$91 Uber Eats$82 Uber Eats$6.59 Hotel$150 oddly cheap I don't know if it was like a down payment. Yeah, surely that was a...

1:06:44Whoever this is is going into the gas station and getting snacks and drinks all the time, by the way. Swipe in your card for little snack drinks. I don't care, dude. I encourage it. You encourage that? Bro, they can spend my money. They're my friends. Okay. Well, I encourage you spending your money on Gamer Subs, 40 cents a serving. Link in the description below. That was good. Well played. Yeah. Uber eats$34. Uber eats$28. Uber Eats,$72. Airbnb,$4 ,000. Okay. That place must have been nice. Well, no, they're all around that same price, man. So wherever. I mean, you always stay nice, right? Yeah.

1:07:21You ever not stay? I mean, you're first class and everywhere. Yeah, we try and stay at nice places. No, these ones are your charges directly. Apparently, this is your section. Oh, word. Okay. Uber Eats,$63. Newslink 2 MIA. that's Miami Airport okay 34 what? hotel how about water? the hotel $22 Chick-fil-A $15 at least you went there instead of ordering yeah listen you don't need a nickel and dime you can live a very high elevated life with a lot of fun that's not even I'm not advocating against that because you talk about ice coffee hour what those guys what Graham would do is like you know don't spend 5 % of your income no that spend 70 % of your income.

1:08:11I don't give a f***. Let's save the other 30%. Bro, look at my investment account right now. We'll get to your investment account. Okay. We'll get to your investment account. I've been saving up, bro. Until you lose it in a gamble. Yeah. Do you own your house in Austin? No, I only have 800 ,000 down on it. There's only one house. Okay, I don't know why this is confusing. There's one house in Austin. The house of the one you didn't lose. You said you own another house. Until I lost it. You lost both houses? Oh, I see. I see. Okay, there was two houses. One eliminated. House owned mortgage. Where is that house?

1:08:44Here. So you own a house in Austin. And that's what... Okay. Very good. Very good. And let me guess. Yeah. Okay. Belief that. But that's where like all the charges are. Oh, really? Uber Eats,$34. Also, how the f*** do you live there? That's the first place I lived when I moved to Austin. I wanted to kill myself. Well, bro. It's 40 minutes to anywhere. I didn't... We didn't... Had never been to Austin when we bought the house. You could live anywhere. That's the most miserable place to live. I think it's like a fun little paradise, but it is agonizing how far it is. But yeah, you can live in a lot of paradises.

1:09:17Keeps you grateful. You know, how lucky am I to drive here in the Rolls Royce? Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. it's a win-win you get money and i get money these are called affiliates and you get that sweet sweet cash for signing up for some amazing products the first one is chime this is a checking account that i personally use and you get up to a 350 bonus with a new chime checking account and earn up to 3.5 apy on your savings and second my investing apple choice these days is weeble and get a two match on all of your money that you transfer over.

1:10:06And finally, sign up for automated investing with acorns. Typically, the signup bonus is only five bucks, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. I'm grateful if it's like a 90 minute car ride. No, but it's like also at least I'm not walking. Okay. Yeah, I don't think I would suggest you walking. Do you have security? Security guards? Yeah. Did my guy frisk you? Did Did he touch you and all that stuff? No. Give you the little touches? He didn't touch you? What am I going to do in here? Come, like, rob you guys? Blast me.

1:10:37I don't know. You're mad. I don't know what's happening. That's true, bro. You should not trust people that do. No. It's super, super. That's like a sketchy, sketchy group. $200 to that hotel. $3 ,000 to that hotel. Uber Eats 101. Uber Eats$33. Uber Eats$41. Uber Eats$36. What are you Uber Eating? Because this is multiple times a day. What are you Uber Eating? Oh, like, if you need, like, say, toenail clippers, Uber eats it. Yeah, but not for this 41 bucks. And then we like, say we're traveling and like we need a monitor, Uber eats it. Bro, I don't know. You have to understand. I have no idea.

1:11:11This Elzer Hotel, you're obsessed with. You spent another 1 ,500 there. We can... Hotel Bel Air 5 ,000. Basically. Hotel Bel Air. Almost 5 ,000 bucks. What? That was five racks? Almost. Whoa, what? At least look into things before you do it. But it is a kind of baller feeling If we show up, swipe, don't even look at it. That was a scam. Five racks for Hotel Bel Air. Okay. And you freaked out about the water bottle you purchased. Hotel, yeah. $795. Airbnb. Uber Eats,$93. Uber Eats,$41. Uber Eats,$41 again. Uber Eats,$78. Uber Eats,$92. Hotel Bel Air,$70. Uber Eats,$36. Uber Eats,$99. Uber Eats,$18.

1:11:55Uber Eats,$106. Uber Eats,$109. Airbnb,$682. Uber Eats 76, Uber Eats 58. Uber Eats 102, Uber Eats 35. Door dashing best by$1 ,105. That's for a new monitor, bro. It's crazy. The OLED, you ever had that? Yes. Bro, it's awesome. Bro, I live in... It's like 30 minutes to go get it. Exactly. Don't live in... Bought a house in... Oh, we didn't know we were doing it. Bro, you know how it's so easy to... Leave that location. It's so easy to... Not easy. It's so hard to buy a house. Like, I can't just pick... oh, okay, let me go buy a new house. We're locked in there. Kind of. If you actually followed any of the shit that we talk about, if you set money aside, yeah, you would have bought a nice house.

1:12:36No, no. That's like with a view, downtown in cash. Oh, yeah. It's not about having the money. It's about, well, that's part of it. But it's about like doing it. Adulting is not easy, bro. It's relatively easy. What's hard? Specifically about adulting. I don't know what is easy about it. What parts do you find to be, we're like... Most people are in a cycle. You go to work. You make your money come home make your food go to bro, but then it's like now I got a You know sign like figure out how to get a mortgage and also figure you know I talked to a realtor the first prep I bought in Miami didn't know you had to pay utilities I thought it was just like on and shit.

1:13:16So we didn't go there for a couple months Mold everywhere in house in my brand new crib because 30 ,000 to get the mold out the pool had to be redone Why don't you have people? Why don't you talk to your parents about anything? Well, my parents would have told me, but I didn't ask them because it's like fun to figure out life with your friends. And none of my friends knew you had to get utilities. So now it's like, all right, now we know. You surround yourself with... But that's the life, bro. I surround myself with people that I love. And I don't care about how smart they are, you know? Because who am I to say?

1:13:47I'm not that smart. Uh-huh. Paradise? Is that what this is? Paradise. Am I saying that right? paradise is it alright you spent 28 bucks there 5 bucks there uber vending machine it's not that crazy but uber eats again apple pay apple pay apple pay farmland's kitchen geo guesser you're paying for geo guesser guess are you doing it on stream i don't know no i've not played that game in like 4 years oh my it's 5 dollars a month bro yeah and you haven't played it in 4 years uber eats uber eats uber eats 5 dollars to change that kid's life he's poor gifted subs Bro, money's not going to change his life.

1:14:24His brain's going to change his life. I'm not in charge of giving him. Well, I am literally in charge of that. But if I gave him like too much money before the brain, then the brain never going to get to here. And once he's on Mars, he don't need no money. That makes sense. I don't want to hear no rebuttal. You understood what I was talking about. And you can't deny it. Are you trying to say if he doesn't learn the right behavior before he gets a lot of the money, is he's going to throw it all away? No. He's not going to be able to earn it. He's not going to be hungry to be goaded. I didn't say make him rich.

1:14:51I said make sure he can take care of himself. Uber eats, Uber eats, Farmland's kitchen. How are you going to take care of yourself if you don't know how to do anything? Like if you don't like. So the only way for Edward to know how to do anything is be around togi. No one else outside of togi. No, no, by living life and going out and experiencing things. Which he can do and still make a living. Yeah, yeah, but if you're, dude, if you're underperforming at your job, that's a thing that you should be making. No, because I like Edward as a friend. So I wouldn't want to fire him. Why do you suck at your job?

1:15:22We'll talk in the post show. No, I'll do that. Chick-fil-A, Supreme Massage. Going on the post show is going to be lit. An expensive massage, 114. Bro, I thought they were going to jack me off. They didn't. It's the worst. Is that place next to the purple fitness place? They didn't jerk you off for 114. No, I tip whether they jerked me off or not because they still worked hard. Okay, Brandon said he has a spot. It's off I-35. He'll tell you afterwards.

1:15:48Uber Eats, Uber Eats, Uber Eats. Chipotle, at least you went there. Proud of you. Big moves. Uber Eats, Uber Eats. Pure wash, that's fine. I don't know why you're going to a standard car wash for your expensive-ass cars. Oh my god, we took two of the Lamborghinis there. It was the mall. Yes, what? We were in a rush. We had to do a photo shoot. I don't want to tell you to spend money, but get a detailer on call. No, we do have a detailer, but it was, I needed it 30 minutes. Okay, you paid ChadGBT, Uber Eats, or Zuchiko. You spent$1 ,300 at Zuchiko. I tip usually 100%. Okay, even still, that's a decent amount of Uchiko.

1:16:23Uchiko is expensive, but it's not like, how many people are you bringing for$750? I remember that one. I was with one person, and we said, can I have everything on the menu except for a few things? You just got really aged in there for a second. Oh, in my mannerisms? No, everything on the menu. Everything. All right, all right. Strike that from the record, everything on the menu. And then Nobu right after that. for$1 ,700. Okay, you're a sushi guy. I appreciate that. Sushi, it's like my favorite too. I get it. Popeyes. What is this? Parades again? I don't know what that is. Uber Eats. Go Puffing.

1:17:03Uber Eats. Nordstrom. Christian Dior. $2 ,000. That's his hoodie. And check it out. That is$2 ,000. I didn't like it at first, so I decided to give it to a viewer. But then I decided I loved it, so I had to send the viewer$2 ,000 because I said I was going to give him it. But either way, bro, you don't understand how well this fits I don't understand I really don't $2 ,000 for Swisher I can't get there the people no no it was good and well really what happened is I didn't love it but I went to Dior and I made the guy that was working there I made him like let me try on like 10 things because I was really trying to like something hated it all but I felt bad for him some asshole comes into your store and he's like oh let me try on all this shit and then they leave so I had to buy it okay Alay Colonial 630 Nobu Atlanta another 718 1400 Zanga Corporation It's games.

1:17:51Zynga's gaming. I don't know. Oh, yeah, we spent$7 ,000 on a new suit. Oh, you're good for something. Uber Eats, Uber Eats, Uber Eats. Airbnb,$15 ,000. Come on. Dude, are you hearing that? Airbnb,$15 ,000. I've never seen anything like that in my life. What the f*** is$15 ,000 Airbnb? You're going to like this one, dude. I spent$10 ,000 on a haircut on that one. oh for sake yeah we didn't even highlight that okay how how how the how the dude this is just awesome bro it's just like the guy the guy was a drug dealer and he's cut my hair i'm talking about the game show i'm putting on and um he was like i was like i'm bailing out convicts they're gonna compete in the game show try to win 100 000 he's like oh dude like next time you do that you You should like invite me like, I'm about to go to jail.

1:18:45I was like, for what? And he's like, fucking weed. And I was like, dude, how do you go to jail for weed? And he's like, I don't know. My lawyer says I have to. And I was like, you should get a new lawyer. And he's like, I can't afford it. I was like, all right, I'll give you$10 ,000. Try and get a new lawyer. If not, at the very least, you have$10 ,000. Okay. Okay, that's nice. It's like the first thing you did that's actually like, I feel it's like genuine. Everything else is like bullshit. Uber Eats? That's not bullshit, dude. It's all bullshit. It's all bullshit. Are these still mine or are these like my friends?

1:19:12Yes. No, they're yours still. Yours ends the next page. Okay, but either way. 15 ,000 Airbnb, dude. Yeah. Come on. That was not even worth it, too. That place reeked. But either way, bro, you know, I like to go on nice trips with my friends. Cafe, sushi, ramen, cafe, cafe. This seems like pretty normal, bro. What else is money good for? Okay. Well, then you've never lived a normal life. People can't do this. No, no. What I'm saying is if you had this money, what else would you spend it on? Well, I would make sure, again, you're prepared for something. But yeah, you can spend it on bullshit. Don't get me wrong, but$15 ,000 on an Airbnb is crazy.

1:19:44When you don't have an emergency fund, just at least get something basic set up and then blow your money. I have an emergency fund, dude. You don't. I'll show it to you, bro. It's in crypto, dude. That's not an emergency fund. I can go to zero overnight. Yeah, but or I can 10x and then I have so much emergency fund. Or it can. Bro, or if Dan or buts about it, bro, I'm not living to think about how much could go wrong when it all could go right and it could go wrong. No, it's not about that. It's just about getting an emergency fund. That's it. I have one. That's what I'm establishing right now.

1:20:11It's not an emergency fund. Bro, okay. Emergency funds aren't crypto. How big emergency are we talking about right now? What's your mortgage? Oh, I have$800 down,$2.5 million house. No, no, no. Your monthly payment. Oh, I don't know. You don't have a gas? I didn't even tell you this. I still have to pay the mortgage on my house that I lost. So that's like$13 ,000 a month, next 30 years, whatever. And the mortgage that I live in. Should we coin flip over your current house? No. That seems like a bad idea. So you're a pussy. You've lost it. Dude, you were just making fun of me for it, dude. I think that's a bad idea.

1:20:44Sure. You're not going to do bad ideas anymore? No, no, no. But, all right, I was on this podcast, and the guy was like, you got to save more money a year. Yeah, and I was like, okay, maybe I'll save a little bit more. So I'm trying to save more now. Okay. And I can't believe my house. Also, I would never live. I like, bro. No, you don't. Airbnb,$34 ,000. This is from the next guy. That's from someone else. That was not me. I'm going to believe this. Oh, that was my dad. It was in - Your dad,$34 ,000. Yeah, he asked if he could do that beforehand. I remember now. Well, you'll say yes to anything.

1:21:20Well, my parents do whatever they want. So you won't ever say no to anything? Not to my parents. $34 ,000. What did they possibly need? They were on vacation. And so what happened is they were like trying to go vacation at my crib in Miami. And they were like, can we stay there? I was like, yeah, of course. And then I gambled it away. and they're like, we still want to go on vacation. I was like, okay, how about this? You, I actually picked out the Airbnb for them. They would have picked a shitty one. I said, you should go here. Let me know if you want a bit of a bucket. And they're like, are you sure?

1:21:43For how long did they stay there for$34 ,000? Three weeks. It was a good stay. Dude, they're retired. They got to like, enjoy life. So your dad, the retired dad is Uber eating, Uber eating, Uber eating, Uber eating, Uber eating, yo-yo for$419 a yo-yo. Oh, this, surely this isn't my dad's account. This must be... Yeah, yeah. Who's that? The girlfriend. The girlfriend? She's Uber eating. Okay. Uber eating, Uber eating, Uber eating, Uber eating. Amazon, she Airbnb for$1 ,300. Airlines, does she live with you? Yeah. Okay. It's going well? It's going as well as a 23-year-old relationship would go. It's like, I'm not getting married, but it's great.

1:22:30People used to get married at 18. What the f*** is that? That doesn't mean anything. Yeah, you're right. That wasn't a good way to put it. But we're not getting married. So it's like, it's going well, but I'm not like. She's okay with that? Yeah, yeah. She's not stoked on it, but it's like, dude. Okay. Amazon, Uber Eats, Uber Eats, Uber Eats, Uber Eats. Amazon, Chick-fil-A, Uber Eats, Uber Eats. She's Uber Eating two times a day. Well, you're Uber Eating two times a day. Well, your dad is Uber Eating two times a day. Well, someone else is Uber Eating two times a day. That does add up a lot, bro.

1:22:54You're doing about a dozen Uber Eats a day across all accounts. Dude, that cannot. If we did a net Uber Eats, say I spent$50 ,000 on Uber Eats a month, it's like that is money well spent. Money well spent,$50 ,000 on Uber Eats. You don't want to give to a charity. You did one genuine thing to the barber. It was beautiful. Oh, yeah, yeah. We have to, but, you know, we give a lot of money to charity, so we get to enjoy our life. It was$20 ,000 on Uber Eats. Oh, that's a lot. But, yeah, yeah, whatever. That's a lot. We give away much more than$20 ,000 a month to fans and charity. Well, okay, where is that?

1:23:27I don't see it. I see travel of$147 ,000. Last month we gave away three Rolexes to fans, which is via the jeweler. Then we gave away$10 ,000. I don't know how that wire has been. Then we had to save the charity money because we gave away$90 ,000 in the game show. But next month we have a$295 ,000 budget to spend on either... You guys will see this video because I make good money. With that video, you're going to not even break even. Yeah, but dude, I'll find a way. I will find a way. It doesn't make sense. Either way, the point is, we have 295 ,000 going to... We would like to build a school, but we don't know.

1:24:09Why is that you? It might be me, it might be you, I don't know.

1:24:16That's not me. Either way, the point is that I don't need to super have it mapped out. like if I need to sell a car to get it done, we will. But I don't think, I feel like I might win gambling at some point soon or something. You could, I offered. I only need to win$300 ,000 for charity. Okay, good. Give me your house or I'll do$300 ,000. But that's a horrible, okay, no. Horrible. Next topic. Fine,$500 ,000. No. How much do you need? Dude, I'm not coin flipping the house for, it's a$2.5 million house. Okay. 2.5. I don't know if you're serious about this. I feel like you're just saying that, but I don't know if you would actually flip me two and a half million.

1:24:58No, I couldn't. Why not? I feel like you have a lot of money. I do okay, but two and a half would actually be devastating. Okay, well then, on to the next. Probably not as much as you think, but Chick-fil-A, Uber Eats, Uber Eats, Amazon, Uber Eats, Amazon, Amazon. This is the girlfriend, by the way, Uber Eats. She's not a fat fuck? No, she's actually famous for being jacked and a model. Okay, I guess she's just getting protein bowls every second of her life. I don't know what the fuck she's doing with the... Amazon, Uber Eats, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

1:25:35Yeah, she likes the Amazon. Tao Reed Popo,$1 ,200. Tao Reed Popo? That sounds like a restaurant. Uber Eats, JD Sports, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Nobu Hotel. 500 bucks there. Nobu Hotel. Who breathes? Who breathes? Who breathes? Who breathes? Who's this next person? Who's that? Yeah, this is Gerd Malerd manager. This is Gerd. Okay, your money manager is... It's about to get reamed. Yeah, 3 ,150 on flights plus another 544 on flights. Who breathes? That's like booking shit for me because he takes care of all that. Who breathes? Who breathes? Is that for you?

1:26:15I don't think so. Delta 742. Also, you got flights on your own section. Why does he need to get additional flights? Flights, 464. It might be for when I did the game show, I flew everyone out first class that participated. Flights, 464. Soku, $576. Soku, $5 ,100 money manager. I don't even know what that is. But okay, I feel like you are looking through this like, you give it like, Soku, are you sure? Soku,$2 ,000. This is your money manager spending$7 ,000 on Soku. Oh yeah, that was Well, that was a dinner we did in LA. It was 14 ,000 total for the chef to come to the crib and make his food. But either way, I told him to do that.

1:26:56Either way, if he did. In a classroom of sodas, most stay quiet. Then there's Mr. Pibb. Sweet cherry, bold outbursts. The kind of flavor that gets attention. Bold kick of cherry. Hey, yo, Mr. Pibb. On his own, I don't give a shit. He can do whatever he wants. But you're looking at me like, so cool, right? Yes. It's chill, dude. What's the big deal? It was an awesome dinner. It was fun. Do you like hate crazy new experiences? Would I spend$1 ,000 again dinner again like yes, you will yeah, and it's like sure why not it's chill like I Am not financially devastated by that and it was a lot of fun and I like It was like a lot of I had my lawyer there and I wanted to treat him well because he's the best and whatever So it's like to get you out of jail time.

1:27:42No, but if I went to jail then he would be the one Yeah, but I don't think they could go to jail for that in this day and age. Yeah. Yeah. This prescription. Prescription. They have that. Yeah, yeah, yeah. Amphetamine. It's very hard to get the prescription. Uber Eats. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. Amazon. Amazon. Tempest. $2 ,800 on Tempest, whatever that is. Airlines. Amazon. Exotic finish detail. $480. Uber. Amazon. Uber, Uber, Uber. Uchiko. Again, flights. Morningstar. Pools. You have a pool? Pool cleaning? Maybe that's what that is. Lowe's. Invanto.

1:28:27Conjay. Lovesack. You got some couches. $1 ,200. Holy. Damn, those were not worth it. You ever sign a Lovesack, dude? Uh-uh. It's like a beanbag. Airline. Nobu Atlanta. $21 ,000. Bro. Why are you? It's chill, bro. Because it's adding up. Because it's like every four days. We know that. It was far into like 300 racks or something. Bro, I like to treat people. Listen, for example, the Trend Twins came out to do my game show video. You know, the gigaviral one? Island Boys? Gigaviral Trend Twins. Awesome. They flew all the way to Atlanta just to be on my game show. Are they the ones that f***? No, no.

1:29:09The muscular ones. Okay. Not the Island Boys. Trend Twins. Either way. The point is, they went out of their way to go help me with something. Of course you're staying in Danobu. They told me that a bunch of people, when they go out for a collab, they make them share a bed because they assume they're twins. You got to share a bed. And it's like, bro, grown-ass f***ing dudes. You can treat them without this. You can treat them for like$5 ,000. No, no, no. It was for everybody. Stiney, Bob Manery, everyone that came out stays in Nobu. Because, bro, they're doing me a favor. The least I can do is put them in Nobu if I have the f***ing money.

1:29:37I don't need to, what, I needed to say$5 million? Yeah. Delta, Delta. By the time I have kids. so I got 10 years to save 5 million? Or, I mean, do you guys, do you f*** raw? Me? Yeah, with her. It's, uh, whatchamacallit? IUD. Okay, IUD. Guess what? We just had someone on the show. IUD. Baby popped up. It can happen. But what's the point with that? Oh, then I have a child. No, not in 10 years. Yeah, but then it's like, what? What do we say? 50 ,000 a year? How about this? How about I just don't do one Airbnb this month? I won't do one Airbnb if I get a girl pregnant and then we'll set that aside.

1:30:13It'll go somewhere else. But Uber Eats, Summer Moon, bail bonds, bail bonds, bail bonds, bail bonds, bail bonds. What the f*** is this? Because the game show. The game show? The game show we just filmed. Bail bonds? We had to bail out people from prison. Dangerous people? Petty crimes. Oh, thank f***. No, I mean, they were pretty f*** people. Like, aggravated assault, armed robbery, battery. Well, I'm glad they're back on the street. That's what this country needs. Well, bro, they weren't convicted yet. They were just in one of the worst jails in the world because they were black. I won't stand for that.

1:30:48Okay. Me and the black community are like this, bro. It's not about being black. Every place that just lets people on the streets with no cash bail are the most dangerous places right now. Oh, really? You just incentivized that. Yes, really. Or, dude, you know what? It's like I thought they were good people, you know. Glad you thought so. Sure, he armed robbers. I wish the jury could have decided instead. very um i think everyone deserves uh at least you know when it why is it guilty until the innocent it's not but they're off the street for risk for risk they're off the street every single day in that jail somebody was getting stabbed so bro you gotta understand that it's bro they're not bad people and they're not been proven to be bad people so i'm gonna give them the benefit of the doubt and if you did armed robber somebody bro i think you deserve a second chance you just want Eventually, serve your time.

1:31:33Yeah, yeah, exactly. Okay. But you're talking about the animals, bro. There are people that got arrested. No, it is not. They got to be in the jail because they're going to commit more crimes. That's what the people watching that. That's what I got from that. That is a bad take. That is a take. That's what you just said, bro. You're putting it in your own mouth. It's because you're trying to moral masturbate it. Every single time a policy like that has been enacted in a city, crime goes up. Repeat offenders that are immediately released. It's catch and release. It never works. It's been proven.

1:32:03They had to revert that in San Francisco because people were getting hurt. No idea what you're talking about right now. Then why do you try to moralize it like a high horse moral cunt? Well, you have to have some consciousness to every decision. Yeah, but it's a f***ing one. At least I was thinking before I made a decision. Did you? Just because you think you have this crazy event. Or did you want to make content? You just described them. Obviously, what are you talking about? They're on a game show. I held them at gunpoint to put them on the game show. So don't try to moralize it. What are you talking about?

1:32:32I think there's still, I'm, bro, I wanted them on the game show, but I still wanted them to, like, I can still. Then why aren't you doing that? Instead of 20 ,000 hours a month in Uber Eats, why aren't you bailing out people all around? I have to give away money to, like, kids in Africa and shit. That's where we're trying to build a school. It's actually South America. You're doing one of the school things. Why is every YouTuber trying to do a school? No one's able to do a school. no, we're not actually doing the school. Didn't Kai just fail building an entire. Yeah, the school is too hard. University?

1:32:54We're not actually doing that. that's an umbrella term. We're doing 300 ,000 for the school, whatever. We have to sprinkle it around, right? We did this for the convicts, then we're doing this for the kids, whatever. Moral masturbation or not, content, I have, I don't think they're bad people. You said catch and release, bro, I don't think they're animals, dude. No, it's not about animals. It's about any time that it's been enacted. Just because you think you're right doesn't make my Well, the statistics are right. my opinion on it. There's a flow of logic that someone on the planet It's moralizing.

1:33:24Okay, sure, whatever. That's my flow of logic. It led to the moralization of these people. I feel like everyone's done stuff that would land them in jail. For example, I've had tons of me before. Why didn't I go to jail? Maybe you should. Because I got lucky, bro, and I don't think I'm a bad person. Maybe I should. I don't think, I don't personally think I should go to jail. No, I'm not saying that either, but there is a reason why we don't arrest someone for a crime and immediately make sure they're out on the street. What do you want me to say? Okay, you're right. I shouldn't have bailed them out.

1:33:51No, but when you moralized it, saying that it's bad to not catch and release people. Oh, well, no, no, no. I'm saying I empathize with these specific people. You can empathize with them. I also empathize with the people that the crime was committed against, especially violent crime.

1:34:08Delta, 496 plaster. Yeah, I mean, airlines galore with this. Yeah, that one is bad. Just keep going. It adds up. Cleaning. Yeah, you should probably clean that place. These are your guys' places nice and clean. Your house. I don't know. It's clean enough. Okay. Well, you got cleaners. You're paying a lot for it. Okay. 56 ,000 hours owed on your Aston Martin. That's the only car that has that on. That's a Huracan, yeah. Okay. Do you know the interest rate? No. If you called GERD, would he be able to tell you? No, because he didn't get that loan. There's almost a 0 % chance we could find out the interest rate.

1:34:44Unless it tells me on the app. It would tell you on the app. Oh, here. I'm sure I could click around. Do you even know your monthly payment? 3 ,000 maybe. hey your business checking account has 50 ,000 yours has 4 ,000 you have 100 ,000 hours in CDs yeah they made me do that well it's a shitty return on investment but it's harder for you to touch so that actually might be a good thing yeah it's every 3 months that I can touch it the interest every month is $900 well actually I don't know how this works when did you get this loan? maybe like a year ago Okay, 900 of interest accrued last month. Oh, but some months are zero.

1:35:24I don't understand how this is working. Oh, because I pay ahead. Whatever. I don't know what that interest rate is. But yeah, maybe I got it 10 months ago. Dude, I think it's like an 18 % interest rate. Potentially. That's horrendous. Just pay this off. That's horrendous? It's really bad. Just pay it off. I heard it's good for my credit to pay it off slower. Maybe. Why do you care about your credit, though? You already have a house. What are you trying to utilize credit for? I don't know. Pay it off. You're using credit cards already. That's good enough for credit. If it's an 18 % interest rate, you're just losing money.

1:35:55If it was four, it would be a different conversation. That's what I think it is. Here's the thing. This is my thought process about it. I don't have to, like, dude,$2 ,000,$3 ,000 a month, what's that? One dinner? So just put that towards the car or whatever. They've got to worry about it. Well, why? Why not just pay it off? What is the actual argument? Well, because I guess the answer would be I've never thought, like, okay, let's pay this off. It's just like, whatever. Okay. Okay, so, I mean, cash flow. Well, yeah, your average quarterly in was$1 ,885. But your average quarterly net cash flow because of expenses is about$6 ,800.

1:36:25Yeah. And listen, I have 169 ,000 hours of Pepe. What's it at now? We invested more into it. How much? But it's down. Here, I'll show you the account. It's an emergency fund. Here, it's$310 ,000. Okay. But it's down, whatever. You know, it's not important because it should go to the moon eventually. Maybe this podcast will send it to the moon. Pepe? Go buy Pepe. He told financial advice from the Caleb Hammer. Okay. Okay. So I think that's, is that everything? Is there more? I don't have your mortgage. Bro, I don't have my mortgage either. Who the f*** knows how that works? And you can't tell me adulting is easy, bro.

1:37:04It doesn't make any f***ing sense, bro. You go into it. This s*** is so f***ed. I don't understand how anybody gets anything done, bro. Because a realtor would tell you if you just talked to one. Like, if you just did that. Okay. Here, type in your current address. I was just thinking, say, it worth. Market value. Oh, dude, we are getting smoked right now. How much should we pay for that? It's not a good market right now. Oh, really? It's okay, you might. Well, how much did you pay on this? I thought it was 2.4, but maybe I was wrong. Because we got appraised. We paid$100 less than appraisal. Oh, yeah, well, appraisal's the honor.

1:37:35Oh, f***. Not only are you in that neighborhood, you're far down. Oh, my f***, it takes a c*** just to get out of that neighborhood. It's a beautiful drive. It's a horrible place to live. Dude, bro, I feel like living in a— I never once been like, holy f***, this is a mistake, bro. But okay, okay. Next time I'll consider that. Listen, man. Oddly enough, in the end, this is all simple. Your mortgage is probably fine. He's making your payment. The car, I would pay it off, okay? I'd pay it off. But even if you don't, I'm not killing myself. I have two things I want you to do two things I want you to do this isn't a budget thing because you don't have a normal budget it's not making a budget because I did actually come here to learn about this I think this is going to be a big takeaway moment for me unless it's ridiculousness but I think you understand where I'm at enough so it will be a digestible solution unfortunately I'm just putting down two numbers and you're almost there I want you before the end of the year to save up$6 million as close as you can and do not touch it your CDs are$100 ,000 on the way to it you got$300 in Pepe I just want this and this is what you're going to do you are going to get with they're actually YouTubers but they're financial advisors they manage my money with their abound wealth they're very good, very trustworthy very good people, legitimately good people, called the money guy, not a sponsor, but they're going to do this for you.

1:39:17But you're going to give them $6 million throughout this year. They will manage your investments and they will manage your emergency fund. So you can't touch it. So you can't touch it. That will grow so you have something to realign. When do I get to touch it? You can get to touch it. If everything goes to zero, you can touch it. None ever go to zero. Well, then you never need to touch it. I'm just pissing. Okay, I agree. You're not pissing it away. It's gaining 10 % a year for the rest of your life. But it's gaining all if I can't touch it. If I die with$70 billion, then the f*** just happened there.

1:39:53No, no, no. Don't get me wrong. I mean, touch it around like 40 or 50 or something. And they can help you do a safe withdrawal rate. But that's what I want you to do. I'm going to literally email you my guy. I'm going to put us on an email together. Like legitimate, you know, whatever. He's really good. His name's Carter. He's like the top dog there. And the goal is to get you$6 million by the end of the year, which you can do. That is not complicated. $6 million for you. It's just a little management in different places. Have Gerd, Gerd Millard, have him put that money aside. Make sure there's, okay, we have.

1:40:30Okay, well, I'm trying to understand where it comes from. Oh, yeah, let's call it nine months left, okay? And we're just trying to do$6 million in nine months. It's a lot.

1:40:42That's$666 ,000 a month. Okay, maybe it's a two-year process. It's a two-year process. I'm trying to understand. Yeah. I feel as if, personally, it would be more worthwhile to, since I'm so young, put the gas on a pedal and invest into my brands, like my supplement brand or my clothing brand. Wouldn't it be a better return to go all in on that than capping myself to 10 % at such a young age? I can't say it's a better return because we don't know what the return's going to be. And that 10 % is average. It's 10 to 12. You'll get 30 % one year, lose one another year. Okay. Listen, this feels like a lot is all I'm saying.

1:41:19It is? It is. So here's what I say. Let's come to a compromise. 300 ,000 hours a month for the next two years. And that'll get you there. At least you set up for success because you might change your mind in the future. Would I get there if I did 200 ,000 a month for two years? 200 ,000 hours a month for two and a half years. Maybe. Oh, okay. So assuming, we've talked about this. I think I'm going to the moon, whatever. Yeah. Let's just say, let's just assume for, I would like to, I'm confident for the next four years, I will be able to make, I will be able to invest into this. If I did 200 ,000 a month for four years, I would be totally giga good.

1:41:55Yeah. I can do that. Okay. So here's how I would try to do this. So let's say an average of a million comes in a month, right? Okay. Yes. I gamble way too much. It's like literally minimum I would never make less than at this point in my life,$800 ,000. $800 ,000 comes in a month. Love it. Times 0.7 because you're setting 30 % aside for taxes. Have you paid your taxes? No, Amanda's doing them. Okay, you pay your taxes. Good. So you actually have$560 ,000 left a month. Yeah, but then your business expenses. So actually, no, no, no. Your costs. Okay, no, no, no. We start with$800 ,000.

1:42:38I'm going to say spend 400 ,000 hours a month on business wherever you want, reinvesting, new YouTube videos, whatever. So that's 400 ,000 hours a month profit times 0.7 because you're setting 30 % aside. You have an extra$280 ,000 just for even two years. Have fun outside of content with$80 ,000. A month? Yeah. All right. Well, have fun in content for$400. Okay. $400 you can spend a month. Yeah, yeah, yeah. Okay, I see. I have fun in content and business. Yeah, it would. I mean, clearly you were able to do it. You were able to put a lot of money into that crypto right there. So you were able to put money in it.

1:43:22Yeah, yeah. Yeah, that was, yeah. Okay, so here$800 ,000 comes in. This is how we're going to try to structure it. And GERD is going to try to structure it like this. And then you are going to meet with my guys and they're going to set you up for success. $800 ,000 comes in minimum. You spend$400 ,000 on business content reinvestment. Very good. Then you got$280 ,000 after taxes left because that is business expenses. You don't have to count that against your taxes. Oh. Okay. This is next level, bro. Barely. This is five numbers. $80 ,000 is spent on life. That's pretty good. That's good. $200 ,000 goes to the wealth advisors to make sure.

1:44:01Okay, and then so say we do 800 minimum. If I make more, say I do a million and a half a month. Blow the rest. Oh, this is dope. I actually can get behind this. That was a well put together. Let me see that. Okay. I'm just trying to, whatever gets you there. This actually is making an incredible amount of sense. When you put it like this, 400 ,000 on content and 80 racks. So 500 ,000 just to like chill out. But you can't spend a million on content like you did last month. Well, yeah, but that's not the goal to spend that much every month, but I wanted to try something new. And if it turns out to be good, then maybe the content budget is just going to have to go higher in the pursuit of bigger career or whatever, or we find ways to make it cheaper.

1:44:45But the point is, that's not consistent. I'll say this. 400 ,000 hours on content, if it costs 500, it needs to bring in an extra 100 ,000 than it did before. So equate it to that. I think that's going to be the only disconnect we have here because I'm okay just like chucking a risk and it's alright. I need you after taxes to have an extra$280 a month. Anything can happen before then. If we do this most of the time, it's chill. If I hit this eight months, I'll be stoked. Okay. Because that's still good money, bro. It's a start. Bro, I don't know what the kind of caviar my kid's going to be eating, but that is expensive.

1:45:24$200 a month. It is, but for your position, unfortunately, it's not yeah yeah yeah okay okay this is very well put together i think i'm going i am going to try and do this because that's dope okay will you meet with my guys i'll meet with your guys um but here's uh an interesting thing for real content but also this is not for content um my mom wants to invest my money because she thinks it's fun no but she's bored and retired just okay we got to throw her we got to throw a hundred thousand make an extra 50 and give it to her, but you need$280 ,000. The winning money will go to my motor to invest.

1:46:01This guy will go to the pros. Anything extra you make, you do whatever with, man. Dude, I actually feel like hella smart right now. I think this is going to be the richest person ever. Just make sure enough is put aside for the taxes. Okay, dude, listen. Let's get your hammer financial score, then we're going to go to the post show and let your poor employee confront you. Edward, get him up here, bro. Yeah, I will, and have a pair of balls, too, just because he pays your bills and keeps a roof over your head. I don't pay his, I'd be giving him a thousand Is he allowed to speak out without consequences?

1:46:29Dude, Edward would say anything that he wants, and he wouldn't be afraid, because he is a grown-ass motherfucker, dude. It's not like a fully grown dude. Just because his skin glows better than yours don't mean. Bro, that's what you want, is you want the GHKCU. He just hasn't done any adult things. Yeah, yeah, yeah. Okay, spending in a budget. I mean, listen, you didn't spend more than you made, and some went to investing. It was Pepe. It's not great, though. The money went to insane places. Four out of ten for that one. Your debt, your debt's not that bad. I mean, for your income, it's obviously, you got a mortgage.

1:47:02It's going to be a seven out of 10 because it is a high interest rate card. But for your income, emergency fund, there is no emergency fund, zero out of 10. Retirement, would you consider the pepe? It's not how I would do it. But for your income at your age is actually a really bad amount, one out of 10. Real estate, it's probably mid at like a five out of 10 because I don't know what rate you have. you would have signed any rate, and you probably are underwater currently. Listen, Hammer financial score, 3.5 out of 10. It'll be higher before you know it if you actually follow this. Get yours at CalebHammer.com.

1:47:36We're going to go into the post show. His employee is going to confront him, and who knows what else we're going to talk about. An extra 20 minutes plus three premium shows posted every single day, Monday through Saturday. Click Join Hammer Elite. See you in the post show. We could do something small and fun. We could do like 10 ,000. That was your limit. I'll do 10. Oh! $10 ,000 coin flip. You have my word. I'll wire you today. Yeah, same. $10 ,000 coin flip. BOO! Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

1:48:11Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Success isn't just about what you achieve. It's about how you achieve it. In the Notre Dame MBA program, you'll learn to look beyond quarterly results and build organizations that grow the good in the world through disciplined leadership, strong judgment, and a community that expects more from business. That's how Notre Dame graduates launch impactful careers at top companies across industries. Lead with purpose. Lead with a Notre Dame MBA. Tap now to learn more.