Trans Socialists Hate America | Financial Audit

32:11Yeah. Are we supplying fries for everyone at the wedding? No, not the McDonald's. Joanne Storrs, Swetson House, McDonald's. Lots of McDonald's. Who's McDonald's? Because neither of you are fat. We both enjoy McDonald's. I'm so jealous. Why can I not have that metabolism? I don't understand. It's great. Serrano Italian. Serrano Italian. That was where the - Thirsty Lion. Mama Shawarma. McDonald's. Ross Ross. Rossing it up like crazy. More wedding supplies. Yeah. Going in and getting some bullsh** in the gas station. McDonald's likely getting some bullsh** in the Seattle specialty. Lovely dapper desserts.

32:48Isn't Fred Meyer a grocery store? Yes. Yeah, quite a few of those, but they seem to be more smaller purchases, which you never really know. Our big purchases for groceries come from Costco. So what the f**k are you getting at Fred Meyer? Like the onesie-twosie things. Onesie-twosies? What's a onesie-twosie? We're not good at all quantity items. Costco's a bookstore. I don't want to buy 50 avocados at a time. That's fine. I've just never heard of onesie twosie. Is this a West Coast thing? You should go to Portland. It's great. Yeah. Onesie twosies. That's what we call them in Portland. Yes. Small items.

33:21Yeah. One or two things. You know, onesie twosies. We speak like toddlers in Portland. Okay. Hey, Canada calls them loonies and toonies, man. What? Yeah. Canada, like they're$1 and they're$2. Loonies and toonies. Canada can't figure out how to get like a house under a million dollars. I don't give a fuck what Canada says. They don't know what they're doing. Except for the ones that download our budgeting app. You Canadians are good. I don't know. They're doing better than us in the economics department right now. That's legitimately not true. They haven't had a growth in productivity in four years.

33:53That is unheard of in Western civilization. That is beyond factually incorrect. Economically, they're horrible. Economically, the median housing price in Canada is four times ours. Their GDP has a growth for the last quarter. Our growth is going to be a reduction. Well, let's see. We haven't had those numbers. The estimates are like 2.9 % reduction. But listen, I'm not debating it. I'm not f***ing red, white, and blue jacking myself off. I don't even give a f***. But if you're talking about that, that's objectively incorrect. The Canadian f***ing productivity growth is an absolute disaster, which means wages do not increase.

34:30Their housing prices are four times what ours are. they have a population of what 40 million but they had uh wasn't it like immigration of 400 ,000 or something an absolutely crazy percentage and they can't house those people and it pushes everyone's cost of living substantially higher even though if they have an immigration of 400 ,000 then they've got to have spaces for them to go oh guys so that's how that works i don't know we're going to germany doesn't matter yeah i i know and i know i'm definitely off a little on that statistic on that last one specifically but it's still a crazy percentage like people can't literally get housing in canada you think our housing's bad here but i don't know what you're talking about i'm okay with the gdp on a quarterly basis that does this i'm just glad ours has actually grown over the last decade fred meyer we're getting onesie twosies cafe and deli wendy's arby's mcdonald's some bull gas station bull from the gas station something amusement amusement

35:38it's interesting gas station listen i i'm just again i'm concerned that this conversation i wonder if there's even a point to it because there are so many things i I will rag us about, I will rag on the United States. I'll rag on individuals. I will rag on anyone for objective reality things. Cause that's all I care about. But you guys seem to be in a world where just like everything's bad. And then if we're in that situation where that is not objectively true, when it comes to numbers, like inflation data came in today. That's when we're filming it. It's best it's been in like four years. Like that's incredible.

36:19What was it? uh under three percent 2.8 if i'm not mistaken out of out of this that is actually really good that's great but uh all i'm saying is does this conversation even matter i feel like you're just so anti which is a very classic gen z thing to do is be complete anti-west i can't finish my degree if the department of education gets shut down if fafsa is gone i'm what's your what's your tuition uh 17 grand a year how many scholarships did you apply to this last semester zero

36:52no sympathy for me then listen man come on that's no stupid where's any kind of responsibility scholarships require you to put in your sats or acts and i didn't they require you to put in i did not get those yeah that is true i started college at 16 and uh through like a program with my district and so i didn't i didn't take those because he already had college i was already in college. He didn't need to. And not like the AP stuff. I went to the community college.

37:29I didn't have to take my ACTs or SATs and so applying to scholarships they ask for those and so I'm kind of f***ed. You could like go and... Current estimates estimates are suggesting that about 50 60 percent of scholarships are merit-based meaning they require sat to act scores so i will rebuttal again with a i mean you're taking a cop out you just immediately threw out a thing that was factually incorrect even though 50 to 60 percent do that doesn't mean that you haven't put in that effort if you're immediately complaining about the cost of college and the cost of college is something that is very valid to complain about but you didn't put any work into the alternatives that have shown up on my university scholarship page so look outside of that are you incapable of doing anything do people have to come to you are you only able to do things if people come to you you can't go out you can't go out you're not an adult you're not 24 i came you're 14 i came to you and i'm telling you maybe you should go to other boards than just the one that pop up on your college website like like i'm sorry i have sympathy for the cost of college deep sympathy i have student loans still it happens that sucks but if you don't put in work for alternatives then that sympathy goes away because you didn't put in one minute of effort i don't where's any kind of personal responsibility here there's nothing to go for these scholarships when fafsa has already covered my but you owe that still no you're not taking student loans at all nope okay well that's great now you can still take student loans and finish school.

39:09Student loans are absolutely horrendous. They have ruined my parents' lives. They have impacted his ability to complete college. How much of student loans do you have? Like 12 ,000. That's incorrect. Let me share a little secret about building a winning team. It's all about finding the right talent and fast. Are you struggling with slow hiring? Flip the script with Indeed, our sponsor for today's episode. Here's the deal. Indeed is your one stop shop for hiring. Forget the endless scrolling on other job sites. With Indeed Sponsored Jobs, your listing pops right to the top where it's most visible to the perfect candidates, speeding up the whole process.

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40:22Speed up your hiring right now with Indeed. And any listeners of this show will get a$75 sponsored job credit to get your jobs more visibility at Indeed.com slash Caleb. Just go to Indeed.com slash Caleb right now and support our show by saying you heard about Indeed on this podcast. That is Indeed.com slash Caleb. Terms and conditions apply. Hiring? Indeed is all you need. On the wage that we make, the 12 grand will be in his life for a very long time. For a very long time. That depends how you do it. Guys, I saw how much you spent on your monthly basis. I see in here is going through bulls**t.

40:59You can sacrifice and pay off student loans you're not a little victim at everything you have a little thing called doing sometimes you're able to put in work student loans it is a mathematical equation that if you borrow in federal student loans what you would make in your first year outside of college it still works out and you can pay those off in the 10-year repayment program 10-year repayment program well that's a thing huh if that goes away you're still a 10-year repayment program yeah the public service loan forgiveness thing that's not no i'm talking about forgiveness the traditional payment program pays them off in 10 years so he doesn't even they're not my student loans no you just don't even know you're you're against something that you don't even know you're against something that you're not you don't even have the slightest because that's the that's the normal student loan and you don't even know that yet you're so vehemently against them yes because my parents have been paying them off greater than that 10-year.

41:59Yes, because they weren't on the traditional repayment method. They probably borrowed too much for a worthless degree or they probably f***ed around their spending and were done with their money. My parents are government service workers. They're working through the public service loan forgiveness program, but it's been difficult with all of the s*** that's been going on. What, they only have started to qualify in the last two months? I don't know the specifics. I just know it's still taking time. I don't think I can deal with these people. Oh, my. You don't even know their situation. Listen, I don't know their situation either, but we can't say it because it wasn't because of their actions.

42:36We can't say it because they weren't willing to sacrifice and pay off their student loans. A lot of people, they immediately go on to an income-driven thing even though they can fully pay them off. They do that. Me, I'm paying the minimum of the payments even though I could pay them off today. But that's because I find better value investing in the stock market. especially right now since we're down a little bit this week i'm just like let's go we're down invest i love that it's scary though because i yeah the longer we're in the market the better and right now is like the best time to get absolutely if it's down take advantage of it i know i love nothing more than a down day other than a down week other than a down month other than a down year that means it's money to be made yeah um we're i'm in the process of getting my retirement moved over to to schwab because if we're but listen if you said it's impossible to complete a degree we proved that incorrect but then you said it's horrible to take out student loans but you couldn't actually say why and you don't know anything about student loans

43:44you as we go through this conversation i'm gonna have a hard time genuinely just between me and you i'm gonna have a hard time because you don't see yourself anything else in this life other than a victim and i don't know how to deal with that when someone is a victim in everything i am avoiding creating problems for myself down the road lots of people take out student loans and they do okay 40 of people take out student loans don't graduate from college don't be that person graduate from college i'm going to be able to graduate from college without a dime in student loans yeah but you said you don't know if you can you're afraid of the department of education going away yeah no that's why we're going to germany so i can finish my degree okay listen the look bottom line i i'm not super even in the belief that money should exist so it's like i have a hard time what are we doing here that money should even exist.

44:43You're right. Let's go back to bartering skins for beer. Let me go ahead and skin an animal for my meal later today. That's how I prefer things today. Yes, life was so much better, especially for someone like you a few hundred years ago. Fair. Oh, fair. We're literally the best time to live in the entirety of humanity. In this present, I don't know about right this moment. That's kind of not. I'm sure you could go back a couple years, sure. But in general, in our lifetimes, us living, our life will be better statistically than any other human being's lives in terms of technological advancement that we have, the medical things that we have, the food that we can go eat.

45:32We can gorge ourselves on McDonald's. people couldn't do that 200 years ago in terms of the dopamine in terms of we are in the best period of humanity companies weren't able to oh boy come on we're from portland what do you expect what have the poor little companies done to you not to me well i mean not to me specifically you've been hit by like three layoffs i have been that that is true but money allows uh companies yeah yeah it it was that sucks you landed though like he he is multiple times i had to keep pivoting the best or if not the best one of the best employees in whatever position he's in he made the position the market clearly doesn't demand so but we don't believe in the market at this table so yeah uh and he gets laid off anyways so yeah yeah no i've i just i don't value money and i haven't valued money most of my life which is why he's the finance which is okay i mean you can live under a bridge if you want you don't have to operate no no no i just i've tried to make enough money to sustain myself and in the past but there's more of that than that there's life you can go live that money provides yeah that's what there's retirement that's what you do i don't no no we uh we live our life plenty yeah yeah we we invest in enjoyable things wild what's wild is people out there and i'm gonna reiterate this again i never talk about my time politics and the reason is actually because a lot of people would just i'm everywhere i'm everywhere i have sign language oh for drink i thought we were about to take a hit okay no no you're like water okay um i was like i can fall all over the place because i just try to go with what is true and I will always change my opinion if there is new information.

47:27So I am everywhere. No one knows my politics. I'm a f***ing ambiguous. So you're a hypocrite. Hypocrite? Oh yeah, yeah. You say one thing and then you change your mind the next week. I will always be willing to change my mind if new information comes out or if I learn new things. Not to do so would be a literal infant. What the f*** are you talking about, hypocrite? That's the dumbest f***ing thing I've ever heard in my life. You're not willing to change your opinion if new information comes out. It comes out all the time. Yes. And it's okay to change your opinion. And then the next week more information comes out.

48:00And it's okay to change your opinion. Yes. Because you want to be correct. But you're not correct by just sitting there and being like, I'm correct. You're correct when the data, facts, whatever is in your side. What the fuck are you talking about? Either way, all I'm saying is what I was trying to say is that no one can place me. People have tried to place me, but they're never correct. however based on this conversation talking to you two i probably sound like the most conservative person that has ever existed in the history of this world because you guys are so far gone you should see his parents yeah that's yeah so definitely an interesting conversation anyways uh we need we need 12 grand uh by september that's when we're we're getting out of Good thing we don't believe in money.

48:52I believe in money. He goes on and on about how money is a tool and you can use it to... Which means you would know that student loans can be used as a tool if used correctly. Yeah, if used correctly. So use them correctly and not like a dumb... It's safer for me not to get student loans. Sure, it's safer to not have loans, but... I mean, you have to get accepted in this whole program. So I hope you do, I guess. I mean, even if we go over on work visas, while there, I can still wait for the university application process. And there's more than one university over there that I've applied to. So one of them will accept me.

49:32But you haven't heard back by anyone? No. It's a very confident will. Well, it has been really recent. Yeah, we got this process started like six months ago. But Germany takes forever for pretty much everything. And can you speak German? I speak a little bit. Will they all be in German? No, no. German universities, a lot of them teach specific degrees in English. Okay. So you don't need to have a German language proficiency. That's probably trying to get qualified individuals to go there since they've lost the ball. Yeah. So for my computer science degree, they teach that in English. So USAA. What's this?

50:14That would be mine. Oh, okay. So last was yours. This one's yours. We're not authorized users or anything? This was the card that I used primarily before we were together. So this doesn't exist because it's fake, right? That one, we've mostly been focused on paying it down. We don't put too much on it. We put most of our expenses on the travel card because we get most of our miles from that. As soon as I moved in, I basically stopped spending money on that card. I think we just use it for breakfast at work now, right? We were for a while. I don't know if we're even using it for work. He's sitting in silence.

50:59Oh, yeah. So, let's see. We put most of our money on that travel card. The big$8 ,000 expense, even though we paid most of that. Oh, my gosh. Because we like to. Sorry, I had to fact check myself earlier because I gave a statistic, but I wasn't super confident in it because I haven't studied it in a second since I did the other show. But they had 500 ,000 new immigrants come in with 40 million people in the population. Sorry, I thought it was going to be a little less than I said. That's a lot. No, no, no, no, no, Canada. That's a lot when they have a housing shortage. It's a wild number. I mean, for 41 million, I mean, yeah, that's pretty intense.

51:46That is crazy. I don't know how you do that with a population shortage. Well, it's a good thing we're going to Germany. I just had to fact check myself. Sorry. That was eating me up. Okay. Sorry. What were you saying? I was just saying that we enjoy the finer things in life. What? Yeah. So in our budget, we have... So you guys deserve all the good stuff just not to work for it. No, we work for it. We set aside amounts in our budget so that we can go and do these things. And education in Germany means I can afford an education so that I can afford to get a job. Yeah, this is planning for a future.

52:20You're saying the$12 ,000 in student loans is what's holding back. That's not even true. The median person costs the$40 ,000 in student loans that graduates from college. So$12 ,000. We have to get to Germany by September. Yeah, it's the time crunch. By September. Why? The next school year starts in October. I know, but you said you couldn't go to college because you have$12 ,000 in student loans here. That's why I wasn't willing to go to college here. That doesn't make any sense. He spent$12 ,000 and didn't get much out of it. Don't be a dumb f*** next time. Go into it with a responsible plan.

52:56That's your problem. But you're looking at$12 ,000 in student loans and more if we go to community college here versus the$300 ,000 in Germany. No, again, that's not what I'm saying. I'm just saying you saying you can't do it is incorrect. semantics

53:15what are you trying to do are you going to go on to like Destiny next and debate like what are we doing here what are we why are you here we're here so that you can give us a budget so that we can go to Germany just use the budgeting app just download simple budget create a budget to connect to your account that will tell you what you spent I already have I already have a budget. I've got a spreadsheet. What are we doing? You need to squeeze blood from this stone so that we can have the money we need by the time we leave. Okay, well we have USAA. We put a crap ton each month into our debt. Kind of, but you spend a lot on it too.

54:00You put 1 ,474 tors, but you spent 745. So it's like the balance didn't go down that much even though you put 1 ,474 towards it. Yeah. It's all f***ing Mexican food, Mexican food. Cafe, liquor, cafe, cafe, cafe, cafe, cafe, McDonald's, cafe, McDonald's, going and getting some bulls*** from the gas station, McDonald's, Mexican food, McDonald's, a walla. Come on, guys. This is your... I know what a f***ing a walla is. Oh my gosh. Taphouse, Schlauzenhaus, winning us some bull and

54:40Creepage Dun Creepage Dun whatever you spend a lot of money there it looks like a restaurant Wendy's McDonald's some bull it's not all Wendy's and McDonald's we go to good restaurants I don't give a f*** you don't have money and you refuse to actually spend for things that benefit your life you just run away

55:02Hi, I'm here to pick up my son Milo. There's no Milo here. Who picked up my son from school? Streaming only on Peacock. I'm going to need the name of everyone that could have a connection. You don't understand. It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All her fault. A new series streaming now only on Peacock. I don't know. I'm not willing to take the risk. And you know, I know one of the big reasons, I'm going to do another America versus Europe thing for a second.

55:40I know Europe is more left economically, but typically the United States has been more left socially. Historically, yes. Germany is very forgiving and very left-leaning. It depends on where you are, but yeah, social stuff. But that is historically the United States is pretty liberal. If you're in any of the big cities in Germany, which we would be. The scale is tipping twice. You're in Portland. What do you guys think you are? No, we're leaving for the education purposes and we're staying in the big cities in Germany for the, I mean, it's going to be. The hope is that we will be able to return to America eventually once we have better educations and we're on better footing in the event that.

56:31So you want to come back? Oh, yeah. We would like to. We went in for what? After my degree, after. So we're going there just to get the degree. But I'm not like social policies. Obviously, there's like health insurance and stuff like that. You're right. historically we were doing pretty good but now we're kind of at least the forecast into the future doesn't look super hot for that I mean abortion was repealed gay marriage is on the docket to end up in the Supreme Courts I guess on their docket as well I haven't seen that challenge oh yeah that's coming up in the next few months it's in the lower courts right now and so us being gay married don't want that nullified most of the legislation is in lower courts right now does the court see you guys as gay married?

57:22yeah because I'm legally a man like all my documentation says that I am even with the new stuff? yeah even with the new stuff okay the new stuff currently bars you from renewing your documents and getting new stuff and then what would the court say about the marriage? it would probably say that like when I went to go renew my passport or my ID or anything, there would probably be like it wouldn't go through. So I'd have to. It's a whole bunch of. Yeah. Mess. It's a big mess. What it means right now is that anyone who had like the original, uh, the old, like a different gender marker on their identification documents, um, when they go to renew, like an error is going to come up it's they're gonna say that they can't go through with uh your renewal because your documents don't line up yeah so we're we're getting out uh we're waiting for term to be over why do you want to come back though i am a hopeful so anti-america no no you you mistake me i am so very pro america but we are not in the positions right now to do any sort of effective action to change it.

58:40Go to Germany. Not that you're willing to do. You wouldn't apply for one scholarship and you think student loans are the most evil thing ever created in the history of the world, even though a lot of people use them and end up in a better position. I mean, you haven't put in any work. I've put in plenty of work. You're showing up to a job, but you haven't actually put in the effort. You just complain and then pretend like you're a victim at everything. That's what you've done from this conversation so far. And then, by the way, you then just go spend all your money on bullshit. Here it is. I have it.

59:05It's all but nothing. There's some good restaurants on there. You got a$150 bottle of wine for a dinner. It's good. It's great. Yeah. It's good wine. Hey, guys, I can't pay for college. $150 bottle of wine. No, no, no. It was for his birthday. That was for his birthday. Happy birthday. Get a f***ing degree. I don't give a s***. No, no, no. Birthdays are nothing. Who gives a f***? How about we better our lives? I don't care. I'm not going to coddle you. I don't give a f***. You turned 24. It's an insignificant birthday. It was a significant birthday for me. Why? Most of his birthdays have been not so much about him.

59:36historically very congratulations have a good one in two years we're adults I don't give a f*** you're just trying to live a better life doesn't mean you have to spoil yourself now and delay everything and then run away you can work and play at the same time you don't need to just work when you're in a better place you're not we're pretty good right now yeah and that's why you have to run in order to go to college

1:00:01if FAFSA is still around I can stick to the online school and still complete my degree. Caleb here. And I gotta say, I've tried a lot of earbuds that hurt my ears or made me wonder how they could possibly be. $549 for something so mid. Enter Raycon's Everyday Earbuds. They come in a bunch of cool colors and my favorite is forest green matching my office vibes. And the fit is so ergonomic, I sometimes forget they're in. They've got active noise cancellation and blacking out my neighbor's barking dog or when I'm outside and the protective case cover is wirelessly charging friendly. So I don't even unplug it to power up.

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1:01:25I mean, they just revoked the... I don't want my education being in limbo at the whim of a court. Sure, your education paid for by somebody else. Yeah. I pay into the same systems that I am currently taking out. I highly doubt you net pay very much in taxes. Net. Net. Let's see. For our last year, we got back$1 ,500, but we still paid a very significant amount. Yeah, but probably very small net. If anything, it's mostly Social Security, which you will eventually recoup. I think we're paying greater than 15 grand in taxes. Joint. Okay. Well, probably some state as well. Yeah, yeah. State and federal.

1:02:10But we're paying. It always seems like a lot of taxes. Did you file jointly? Yeah, I did our taxes this year. Okay. Did we file jointly? Yes, we filed jointly. Okay. yeah um us making i think we make a little bit under 80 grand uh we still paid like 26 percent in taxes what what what income was filed what did your what did it say for the house oh uh i don't remember but like I had worked for like quite a few jobs that year. He worked a lot of jobs last year. I'm really bad at doing my taxes. That's our current joint income right now. But yeah. So I filed our taxes this year. Last year I filed my taxes and his taxes and helped him with his previous year's taxes.

1:03:08He's got a thing with taxes. He doesn't like paying taxes. I really hate doing taxes. I've worked multiple jobs for quite a few years now. And so tracking down all those W-2s is a nightmare. Yeah, he just straight up didn't pay his 22 taxes. Oh. So I had to help him for many painstaking hours get all of the documents. How much did you pay in taxes, did you say? Probably somewhere in the ballpark of 15 to 20. It would have been about closer to nine for federal for you, but I'm sure you got Oregon pretty hard. Oregon income tax is brutal. Oregon income tax is brutal. We don't have sales tax, but the income tax is brutal.

1:03:59I think my spreadsheet says we pay like 26 % in taxes split between federal and state. it always looks like a huge chunk yeah it absolutely is however you know i mean it was an effective tax right with oregon being combined of about 19.4 percent um that's probably because you weren't like all of your different jobs were different wages until you got on yeah well and i also like never worked 40 hours a week because my job prior to always prior to getting however in germany if you make that same income you'll be instead of 19 it'll be 32.9 so i hope you love paying taxes i i am i will happily pay taxes if they're going to valid yeah i can valid purposes i will pay taxes until the cows come home if they're there to benefit you know a lot of people think on both sides of the economic system left and right a lot of sides think that police they're gonna have to cut back on a lot of that stuff if they have to start investing more in their defense if the united states doesn't invest in their defense as much as that's hardly even politics you hear a bit more of that on the right but economists on both sides agree that if the united states stops spending as much in defense there which the current administration doesn't want to spend much in defense there germany will then have to fund more in defense as it essentially runs europe sure yeah which means less of your tax dollars will be going to those things you like there or they have to raise taxes even more i I'm very curious to see what's going to happen.

1:05:29I will also pay taxes for defense if it's going towards the defensive data. But that might mean the things that you care about might be cut and or you're going to have to pay more for college. Or that it'll just be borrowed and borrowed and borrowed. I don't know. Until the tuition of Germany goes from 300 euros per year. Until things change, but you guys are running away from something right now with the anticipation of it to change. Why not? It's not anticipation. Things are already changing here. Yeah, but most of the things you said, it's like the anticipation. of it. Yeah. Yeah. Well, I, but I guess that doesn't apply in planning for the future.

1:06:02I don't want to leave my future up to chance. Okay. So we're doing the security. So the same applies there then with potential taxes or unless Germany goes from 300 a semester to 17 divided by two. I don't really know. That's not the only thing. Again, I'm not against that. It's just, it's your philosophy that I am trying to bring down here a little because you're a lot of run because right now is impossible here whereas that's incorrect like the student loans like look at your spending a lot of that could be going towards college student loans not the worst thing in the world if you do it correctly it's the so we also just had going to germany germany is a great country i've been there we just had a round of layoffs at our current position yeah uh scary and we we survived those thankfully surprisingly i don't want to put myself in debt um with the layoffs will always be a possibility yeah i know and i'm i'm just i'm worried about that i'm afraid of that that's why i don't want to fund an emergency fund that's what it's for yeah we're working on that we're currently at one on germany or no the emergency fund we've got one month of all of our bills and savings um and uh and every month i just throw that into the bills account and then um we build that that up again and we we build more than a month's worth at a time you own your student loans right now or are they deferment uh they're on deferred yeah you okay they're on deferment or you're in like save which is being challenged in court uh they're on deferment right now through the save thing but it um the well we don't know what's gonna happen to that yeah he's got a message saying that things are going to have to start being paid in a couple months here.

1:07:49Maybe there was a court decision that I'm not aware of. But we're still waiting on that. Yeah, it looks like it's... Even with having to pay it, it's such a small amount each month that we're like is it even worth it to pay it? Because if we're in Germany, the foreign income... But you want to come back. Yeah, we want to come back. Are you going to come back in under 10 years? Yes. Well, even still, I don't think the federal government's going to forget. No, no, they're not going to forget. It's not a Sally May loan, thankfully. It's just the federal. But the federal income tax credit means he's not going to have to, like his monthly payment on it is going to be zero while we're over there.

1:08:32And then when we come back, we'll just like, so we're going to be living and working in Germany while I'm going to school. He's going to be working when I finish. I'm going to be working and he's going to get as much of his degree out of the way as possible and in that time Can we get a better degree though please? I want him to get the auditing degree Do you want to get the auditing degree? I really like the auditing I'm a little worried about me in numbers but like we spend a bit more than a thousand The things we talk about on the show are actually really not that complicated it's like you could learn this in like a month if you wanted to Yeah, prior to this, he spent like a couple weeks just playing with Excel, going through an online course on that.

1:09:21Excel is a great tool. I mean, we're going to put you through all four of our courses. So go through those. Take the quizzes together. Highly recommend it. They're bundled together for 30 % off for you guys if you get them all. But again, more than anything, I recommend going through just downloading the SIP or Budget app since you guys are connected on all that stuff. Input everything. Build out your categories. Use the automatic connections. Use the community chat in there. Hold yourselves accountable. It's like the best thing you can get. Yeah, with 12 ,000 euros saved up, by the time we're done with Germany and we come back, we should still have most of that 12 ,000 euros because we're going to be working most of the time that we're in Germany.

1:09:59So then we'll just come back and throw the euros back into dollars and throw them at his student loans and we'll just be done. Yeah. so for the student loans i'm not super worried i don't really think we should pay them um so that just leaves the the rest of our debt to work through which we're throwing uh like 40 percent of our our income at right now the rest of it going to to bills and then a little bit to savings yeah well for what's worth you probably have a better chance in germany finding that employment their unemployment it's like six percent or something where the average in new Europe is something like 13 % for people under 30.

1:10:40No, their economies are not good. That is like an actual factual thing. But I think you'll be fine in Germany. I'm glad you guys said Germany because out of many of the European countries, that is like where they're at least like doing things. Do they have tech innovation or are they competing against China or the United States? They've got special visas for IT professionals. and that's like if the education route is just taking too long because you've got lead times in visa processing applications and stuff like that, then we're just going to go with the IT work visa and I'm dead set for that.

1:11:18That makes me a little nervous because the United States innovates. Our tech industry right now is miserable. It's really difficult right now. But you know that's closer to a normal job market though, right? Like we've had like the best job market for tech in the history of ever over these last four years. We're closer to just normal and it's difficult. It is difficult, but it becomes more competitive in a normal market. That's what happens. The percentage of our unemployed workers is disproportionately unemployed tech workers. In Portland? All we hear about is people getting laid off. Silicon Valley is hard.

1:11:59Tech is hard. We all know tech is hard right now. That is absolutely true. But you have to remember, it's also coming from a place where three, four years ago, literally anyone could walk in and get like a six-figure job at Tech. It's a different world. It's having probably an overcorrection. It'll probably balance out. With the German IT work visa, part of their application process is pairing you with industries over there to sponsor you for the tech positions that they have available. So you have to do that too? No, that's if I need a work visa. They have a lot of resources online for finding jobs in Germany.

1:12:41They even have websites that you can look at for specifically finding jobs where they're looking for people who are in place. I get it. In tech, the United States unemployment in tech is 3.3%. It's 6.2 % in Germany. So it is double unemployment in Germany for tech. Remember, they don't have an overly competitive tech market in Europe, across Europe. They do, of course, have a tech market, but compared to the United States or Southeast Asia, they really don't. That's not a big sector they've really cared about. They more care about making sure the lids on your water bottles don't disconnect. I guess that's more critical than people having jobs.

1:13:20But, yeah, I get it, and I hope you get the job. The unemployment rate is double in the tech sector there from what I could say. sure the unemployment rate could be crazy but for the visa program this is direct like hey we want you you're a qualified individual what kind of pay range are we talking generally their pay range is roughly half of what we make here but their cost of living is I know but if you're planning to come back that makes it difficult what is the$600 owed to Elliot's mom not my mom that's my ex-fiance's mom Oh my. How was your relationship with your ex-fiance? With my ex-fiance?

1:14:05Not good. Why? Just. Did you guys cheat? No. No. I mean, I was not into dudes at the time of their breakup. Yeah. It was like we had moved in and we spent a month living together and that was a nightmare for both of us. And then that kind of fell apart and she's like, let's still be friends. And I was like, I don't think that's going to work out. And it definitely didn't. We have not messaged each other since. Other than like little passive aggressive comments. But the debt is because for part of that you were living. I lived with my ex-fiance's mom's house because me and my little brother were living at my ex-fiance's mom's house because our parents sold the house underneath us and we had to find a place to live.

1:14:54Yeah, his parents. How long have you been ours trans? since I was like 15 okay so when you guys met you identified as yeah oh yeah yeah I did not meet him as anything other than Elliot okay is that all the debt it's just those four debts all that for four debts you guys are in a much better position than like 90 % of the people on this show and guess what the majority of them make progress but of course you guys can't cause the system's against us we

1:15:26we're

1:15:29when Elliot moved in yes what when Elliot moved in we were we have two cars so we're gonna get rid of one of those to take care of a good chunk of the debt yeah we don't need three cars but we don't own the cars no we don't own the cars I own my car outright so this is a checking account and it's all just bull**** it's a little hard to tell you never really know you can get knickknacks you can get clothes you can do whatever. PayPal and out, PayPal and out, Venmoing out, Craigslist, PayPal and out, getting some bullshit, PayPal out, PayPal out. What is all this PayPal out? Uh, paying roommates for stuff.

1:16:08Yeah, it's probably groceries. But I thought they all gave to you, you said. Well, sometimes they shop too. Yeah, sometimes they shop.

1:16:17Sometimes they shop. PayPal instant $2.98. The Venmo went out$2. Venmo went out$10. Cotton Bureau. I don't know if that is. I don't remember. And... Let's see. Yeah. Oh, that's the Fun Money account. Fun Money account? Yeah, I budget out for us, so that's my Fun Money account. Oh, it's real fun, because you're overdrafting. you're overdraft i'm pulling from savings yeah it immediately pulled from it because you didn't have enough good job you're taking from savings for fun for fun spending one of an outstanding individual we're really gonna survive guys it's the system it's not our responsibility winning got some craigslist paypal out overdraft amazon paypal out paypal out paypal out my

1:17:16that's one fun spending keeping you away from getting into Germany quicker the crazy thing is I've sounded so anti-fucking Europe I love Germany Germany's a great place I enjoyed visiting Germany and I hope to again at some point I love Germany great place so what's the tax percentage down there? you'll see the at a glance probably withholding but remember you got a return that's fair plus there's also social security which you will get back maybe I hope there's anything left for us unfortunately our job doesn't do any as contractors there's no 401k matching that's fine yeah it's basically exactly what we just said but of course you get some back yeah we do get some back okay a bill account yeah so that's uh every month i relay for red living writer netflix amazon amazon spotify those are we doing those are our subscriptions yeah spotify is an absolute must-have regular savings this is stuff going back and forth back and forth yeah that's that's a lot of back and forth yeah there's your overdraft i mean savings i mean you It went down from – was that down?

1:18:40No, that went up. Wait, did it? Yeah, it went up. What's in your – so$5 ,000 in savings? Mm-hmm. Yeah. That's not bad. Our monthly bills are somewhere – I'd rather get you to a risk-free position by getting yourself out of debt instead of using it to fool you. But that's a weird situation. And you need about – well,$12 ,000 is what they recommend having saved. Yeah. What do you need to actually move there? 12 ,000 plus the plane tickets which are not cheap and the cost of our lawyer which we already paid for but we paid our immigration lawyer and he's taking care of the application and all of that stuff making sure all of our documents are correct this is$404 in this USAA ATM withdraw, PayPal transfers blah blah blah, cafe ATM withdraw any ATM withdrawal of around$40 is going to be his much more important I use my fun money for it you guys have fun money you're trying to get to Germany you have bad debt and we can't afford to go to college it's like$50 it's$100 so$200 a month so that we can enjoy our life like I said you can work and play at the same time.

1:20:03I agree. When you're not in a position of immense risk, you're also delaying and saying you can't do the things you need or want to do because of your financial position, but you're blowing money on fun. So much money. Like that is your personal choice. You can make that choice. That's fine. You can walk out and I will fully just be like, okay with it. If you want to live that life, that is okay. But the conversation at this table is to usually go and meet the goals we're trying to get to and live a budget budgeted life live a financially healthy life you can live this life if you want i don't give a that's your choice live your choices everyone can make their own choices i'm gone with it hey i'm of the spirit that anyone can do whatever the they want to do unless it's smoking meth in a subway like a do what you want to do i don't have it haven't gone that far do what you want to do I don't care that is you I'll have sympathy but do what you want to do however people come to this table to get to that better financial life to take this seriously I don't know to you it's just like victim victim victim victim and not understanding the systems that you're even against it's like what is this 2600 oh it was taken out so it doesn't matter oh that's rent each month so 15 shares of game stuff we deposited to that What is this?

1:21:29Well, what are we? Okay, this is some stock account. We have 15 shares of something. Yeah, we got 15 shares of GameStop. Oh. Critical. That'll get us to Germany. Okay. I think we're up on that, actually. And then 1 ,200 in this retirement fund. Yeah, we're up quite a bit on that. That's nice. I got that at a very low amount. Wonderful.

1:22:00there it is right on top I don't know I'm building a budget I don't understand the point because you have a budget so if you have a budget what am I doing you need to squeeze more blood from this stone but you're not going to you want to whiff my poor little wife it just can't be the fun money can't be that I don't know if I have a budget can I have a budget thank you Oh, yeah, that guy's right here. It's just stupid. Okay. 4 ,800 comes in on a monthly basis. Was this a pointless conversation? If anything, I've just made people think I'm either far right or far left based on whatever they heard and didn't like.

1:22:43I mean, they're your words, Caleb. I know, but I just never gave any actual opinions. I've talked about Europe's economic system and our economic system, but it's just like a dangerous conversation because people hear that shit And then they immediately think they know your entire ideology, which I guarantee you don't. Debt payments. That sounds like a them problem. No, it's a me problem because sometimes people get turned off when they think they know your politics. I'm okay with people knowing my politics because I feel my politics. No, you have no impact on anything. You don't have a platform.

1:23:18Nothing happens when people know your politics. What's your rent? $1 ,300. Utilities? Included in the rent. Internet? We pay$22 a person for that, so$44. I also don't have an ideology. I really don't. It's bad to have an ideology, in my opinion, because then all of a sudden every opinion you have to have has to stem from the ideology instead of trying to be open-minded about whatever realities that should come at you. You can be open-minded with an ideology. Yeah, but it immediately comes back to stemming from that. People have a hard time getting outside of their ideology. Because it's such a core basis.

1:23:55Yeah. So I try to be ideology-less. Now, that being said, I try to be more in the realm of freedom. If I have to pick one, I tend to at least... Personal freedoms. Well, in general, just people doing what they want. I tend to glean that way if there's not hardcore facts on either side. I'm a pretty big do-what-you-want as long as it's not hurting anyone. Yeah. Okay, gas, vroom, vroom, drive, drive. $25 a month. I do have a hybrid. Okay. But utilities are included? That's a good deal. Phone bill? Do you pay your... No, I don't pay a phone bill. Okay. My phone's paid off. But do you have coverage?

1:24:40It's the FramlyPan. So you don't pay? No. Yeah, we can't pay for anything. Okay. TB Fund. Anything else you need to survive? 200 food groceries 300 600 600 use the cookbook we have you get that in the premium versions budgeting i'm cooking quite a bit good yeah well with going out as eat as much as you do i wouldn't have believed it no that's medical health care costs on a monthly basis medications whatever my parents he's got yeah sure but like co-pays and oh um no not okay not a lot i'll actually i'll also set you guys up with three free therapy sessions with sondermind i use them audience uses them.

1:25:19That's pretty good. Actually, I'll get you a course career certification of your choice if you want something that boosts you in the tech field. There's a lot of tech stuff there that can help really up your income. Okay, so nothing there. I don't know how we can't survive. Subscriptions, no. Do you have pets? No. Car insurances? We have a gecko. Car insurances? 165 a month. I'll put in like 20 bucks a month for the gecko? Yeah. It's more like 20 bucks every couple of months. The food goes so far. I mean, I see no reason why you can't cash flow community college, to be completely honest. And I see no reason why Because we're trying to get debt free and all of our disposable is going towards the debt.

1:26:04Trying to get debt free? We're trying to get 5 ,000 hours to go to 12 ,000 hours. It was debt free and now it is get the 12K in the bank. And I'm not personally willing to go to college again unless I can do it for cheaper. 300 a month is a lot better not 300 300 a semester is a lot better you're relying a lot on getting accepted to go through the whole visa process paying for all that relocating your entire life settling down somewhere I get it comes with you making half the income it's going to make it harder to pay off debt as well often times with your half income situation $1 ,424.26 A month is what you guys have left over.

1:26:47Boom. You guys have left over a month what you could essentially put towards almost a paid fourth semester at community college. I mean, capital USA, pay off that in three months. Capital One Venture, pay that off in like six months after that. Student loans, it wouldn't pay off. I'd just do minimum payments until it's paid off. You can pay off the mom situation in like no time, unless in a month. I mean, this is stupid. I really don't get it. move to germany in a year i mean i don't care we we gotta get there by september though we we need the uh yeah five five grand we need uh seven seven grand more it's roughly like you can afford it you can get there if you follow the budget you can get there you can also pay off some debt okay there you go you have it that's not my concern the finances aren't the absolute obliterated worst my concern is such a worldview i don't care about anyone's politics it's not that it's how you view yourself in this that's my main concern is especially when you come back you're going to find a way to be a victim there too you no refuse no no you immediately thought student loans would kill you you don't even know the whole system for that you don't even you didn't even understand a traditional repayment plan for that like what everyone gets put into automatically you immediately like you're the way you've presented yourself has been endless victimhood and that's my big concern instead of you actually going out there you haven't applied to one scholarship one so i have a hard time with this listen if you applied to every scholarship in the world you've worked your stuff you've put yourself to your limit and tried every single option and you couldn't get there that is where i'm like let me pay for it even like i don't even care but you haven't put in one single ounce of effort into that that is spending in a budget score you overspent zero out of ten debt i mean family debt's pretty rough but it's gonna be a It's not the worst debt.

1:28:38Emergency fund. Well, yeah, but it's going to the Germany situation. But I'm going to give it a 5 out of 10 there. Retirement, definitely behind. Technically started 1 out of 10. Maybe a 2 out of 10. No, 24. 1 out of 10. Real estate, 0 out of 10 for now. Let's see. I think you guys could be in a lot better place than you just kind of grew up. 2 out of 10. That's your handle. Financial score. Join us in the post show. There's a lot of other tea we haven't talked about because I just wanted to. steamroll through this thing, to be completely honest. And hang out. Hang out with us in the post show.

1:29:13Join Hammer Elite for thousands of hours of extra content. We upload something every single day for that membership. And make sure you download Simpler Budget. We want to make this the best budgeting app that has ever existed. So download it and try your free trial for the premium version. I'll see you in the post show. Bye bye bye. We like our fine things. Yes. You always have a stocked drawer and a liquor cabinet Over 25 bottles of wine just stashed away. That is true. And you like to host nice parties. And then you said you just went to Costco and put$215 on liquor,$50 on... If you're going to buy booze, buy it in bulk.

1:29:48This guy will talk about anything. Oh, my God. I'm just... Certified yappers. Woo! To watch the Financial Audit post show, click the join button below.