Wimpiest Momma’s Boy I’ve Ever Met

0:28But you can't pay rent! Well, thanks for coming down to Austin. So for a living, looks like we are a golf caddy currently. That is correct. You say you bring in a certain amount of money on a monthly basis, like$1 ,200 to$1 ,500, which, first of all, not really enough to live. No, absolutely not. But you worked three days last month. Yeah. Well, what's going on? Well, I get a ludicrous amount of money hourly when I do have work. It's a contract job. And if people aren't golfing in February, then I don't necessarily get the work. There are months that are really good, though. So you kind of have to balance it out.

1:10What was last month? Not good. Okay. So what are you doing in the not good? I mean, you've told us specifically that you bring in what? Like$12 ,000 a year, something like that? If every month was like last month, yeah. Yeah, no, it would not be great. It would not be manageable. But in the meantime, I, yeah, not much else. What is your average monthly income? I'd say on average, if you look at the whole year, it's probably about$3 ,000. That being said, the statements that I was able to give you from last month and the time I've been a caddy, I've never, I've never reached that. It's kind of a new position up there.

1:40You've never reached$3 ,000. It's a new position for the past two months during the winter. So I don't really have a way to tell. Well, then how can you say the average is$3 ,000? Based on talking to the other caddies and what they get, based on the averages that i have based on how getting more loops would be extrapolated in the future okay because it obviously is winter there's probably less people out there it's bad how are you compared to the other caddies i am new so not a lot of people know me but i am very good i am personable and i'm very knowledgeable about golf in the game when it comes to mindset stuff a lot of people like that one guy i just went out with recently said that he i should get into psychology because i was really good at teaching him how to approach shots with confidence now if i'm not mistaken just from conversations we've had you took this job yes as a downgrade but because it has upward mobility it's a what is the upward mobility in this that you see for yourself well here's the thing i was working at the cart barn before the cart barn is very you know it's basically a minimum wage job it makes the equivalent that water burger makes for the most part 14 bucks an hour 14 bucks an hour double minimum wage in texas but yeah so as far as you know mobility goes there all the members kind of they're polite to you but a lot of them really look down at you when you get out on a golf course with these really high profile people you have the ability to network and you can then kind of communicate with them at a at a deeper level and build relationships what are you trying to network what are you trying to get to i don't know yet i'm at a stage where i don't really know what i want to do in life and i'm kind of just hitting what i see is fun and i feel like are you surviving fantastic question i'm surviving via zero percent apr credit cards and i don't want that debt to snowball when does the zero percent end uh the earliest one is december 2024 the other one is sometime in 2025 december 2024 is going to be here before you know it especially if we're only making 1 200 bucks a month which is what you claim in our pre-show interview that you're making also 400 is what you brought in the previous month you're right it's the colder month you're new sure but double triple that it's you're still not gonna make it what's your rent yeah my rent is 1200 a month how are you paying that right now yeah right right now you're putting it all in the zero percent basically everything goes to rent and then i have does that make sense then i want you to network sure network's cool but survival is also pretty cool building up a massive amount of debt when you're coming from a place where your debt wasn't insane before you were starting the bad cycle that we so see so many people come on this show and be on the other side in yeah no i did it's definitely absolutely starting i would 100 agree with that uh then why why have you done this these last two months and not gotten like bacon so here's here's the here's the mental calculation the mental calculation the idea is that when i start to get requests and members start to know me that's where you really make your money as a caddy.

4:41If I was able to start building relationships in the winter months when there's not a lot of people, by the time the spring months came around, I'd get a lot more work and I would be able to pay it off. That being said, didn't necessarily work out that way. I will also say I got my first request last weekend and I'm super hyped about that. First request? How much does that cost? A request? Yeah. What are you going to get? It's an extra loop. So anywhere between the minimum is like, it's either 120 or 180 based on the job. Average, I would say you get about 200 with the way that you get tipped.

5:09And every request is going to be that and that's extra on top of the cycle that the caddies have are you sure your mom's not just supporting you to live i i would say that she helps a little bit but she doesn't help a ton what give us okay give us that's an interesting monkey mental calculation that you've done because if i do calculations a little bit let's just see oh interesting interesting Typing a lot here. Oh, I found out that$1 ,200 a month in rent is slightly more than$200 that we're bringing in from a loop. It's also slightly more than$400 we brought in last month. So mama has to be picking up the bills other than the extra you've been putting on.

5:52Now, if she has offered and thinks that's okay. Yeah. But the fact that I had to bring that up and you not fully is the same. Yo, mama be helping me. Here's the thing. What was the responsibility? She's helping with certain things, medical expenses, and she pays for Lyft rides so I can get to and from work. So you don't have a car? I don't have a car. Car loans suck. People have cars without car loans. Yeah, I guess. I guess. I'm definitely not super well-versed in that. But the other thing is I'm not permanently in Dallas. And I've been down here to visit my girlfriend. She lives in Austin? No, she lives in Dallas.

6:32Okay. Where else are you? New York is where I'm going to go home and I'm going to go into school. Oh, the... Where is this... No, it's not funny. Where is this... Listen, your glasses, buddy. I'll give you a fist bump for that. But don't ruin this already. All right. Where's this catty job? Not the actual location, but like the city. Okay, something tells me that's a little... More than a couple hours away from New York City. We're moving to New York City? Yeah. So this investment you're doing into this job doesn't even matter because by the time you move back to go to school, you won't be doing this caddy job anyway.

7:09You won't have had the opportunity to get up that magical$3 ,000 that doesn't exist. And by the way, isn't an incredible living. It's like$36 ,000 a year. That's not like we're going crazy and buying jets or anything. So I don't know why that was the number we're super excited about. Anyway, but even if you get to that, you have to be there. you actually have to dedicate yourself to it but we're going back to new york yeah absolutely school yes so this doesn't make sense though does it not well it might i'm gonna ask you a question if you're going to apply for a job what looks better one month of experience at a high profile place or three months of experience at a high profile place well i guess three but this high this question of high profile place experience of what what kind of jobs are you applying for up in new york so caddy is a contract job if i go back up to new york i want to have a higher chance of getting a job as a caddy i don't want to have to go work in a cart barn again that being said if i do you have to work in is this what you go to school for no it's not what i go to school for but that's where i would have so it doesn't matter it doesn't but i i genuinely like the job good caddy and i like you liking the job yeah i also like you being able to afford to live so there there are there there is the choice when it comes to that and being 23 year old trying to make rent due having putting everything on a zero percent interest card having mama taking care of transportation moving back home in order to pay for school we don't pick unfortunately our dream job that we want that's not that's not what wins what wins is you actually being able to pay the bills and you cannot mathematically speaking i actually speaking you cannot i agree and i think that the the struggle is how do i keep this caddy job and in my other spare time that i have because objectively i make a lot for like if for three days of work that is a lot more money than something else would be and i have a lot of free time i need to be able to leverage this free time well i need to leverage the time to be able to make more money but you haven't exactly and i it's it's a failing it's a it's a direct shortcoming and i okay so it hasn't worked so we then okay if something doesn't work we then try something else yeah but how so how do we how do we make it work like maybe it's not the correct path for you maybe you need guaranteed hours on a month on a weekly basis even if it's lower per hour if it's giving you more in a monthly result because that just correlates better with your personality that's okay this isn't your career yeah it's not so it doesn't it honestly doesn't i would rather do a job i'd rather anyone do a job that they like more than a job they don't like i want you to pay your rent yeah before we continue the video i want to take a moment to share something personal with you taking care of your mental health is something that i have preached on this channel since the very beginning for years i have struggled with anxiety and a panic disorder and i continue to battle it today.

10:04Along my journey, I discovered that seeking help wasn't a sign of weakness, but rather a courageous step towards healing and becoming more self-aware. That's where today's sponsor, BetterHelp, comes in. There was a time when I believed that seeking help would make me appear weak or that I could become a weight on those around me. So, for a while, I didn't take any action in improving my mental health. It wasn't until I reached that breaking point that I realized, okay, Caleb, it's time to start talking to somebody about these feelings. And boy, I'm glad that I took that first step. Here's how BetterHelp can truly help you.

10:36You start by visiting their website using my link, betterhelp.com slash calebhammer. From there, you'll be prompted to answer a few questions about yourself and your needs. BetterHelp will then match you with a licensed therapist who has years of experience helping people facing challenges similar to yours. The best part? You can access BetterHelp services from your phone or computer through messaging, phone calls, or video chat. Whichever option makes you feel the most comfortable. Whether you prefer the convenience of messaging or the personal connection of a phone call or video chat, BetterHelp makes it easy to start your journey towards healing.

11:10And the process is quick. You'll typically be matched with a therapist in 48 hours so you can begin receiving support when you need it most. Remember, it's okay to not be okay. And it's okay to ask for help. Whether it's therapy, speaking to a trusted friend, or reaching out to a professional, taking that first step toward healing can be transformative believe me so if you're ready to take that first step toward improving your mental health visit betterhelp.com slash caleb hammer or choose caleb hammer during sign up to get a special discount off your first month of therapy a roof over your head is more important to me graduating college without a massive pile of credit cards that you have to pay off that are at that point accruing interest is more important to me than a couple years of working a job that gives more money because it correlates with your personality a little better of not being able to work outside of the work hours that you're getting yeah that's what matters to me how does that not how is that not what matters to you i mean i guess it definitely does matter to me but i feel like there has to be a way that i can figure out how to supplement contract income without dropping the job and getting a different job and i i haven't figured that out yet like i i i'm okay with admitting i need genuine help figuring that out because that is a path that would work for me that does fit with my personality very well what is really hard for me is standard nine to five work hours i have really bad adhd which totally not an excuse for anything but it fixes how my changes how my brain works and how i react to certain environments so i love what are you going to school for i'm gonna go to school for cyber security cyber security great you might be working a nine to five job how are you gonna survive that if you can't survive it today from my i'm not knocking on your disorder by any means well i'm not saying you are from so that's a really good question and from my knowledge and my understanding a lot of cyber security jobs are remote which inherently makes them flexible that being said there's probably going to be a couple years where i do have to work in an office to build up experience to be trusted remote is going down a little bit too yeah like in a more competitive job market in the tech industry specifically though of course you could do cyber security and more than just tech but tech's going to be a heavy player in that uh field uh companies are wanting people to work on site more and if those are the jobs that an entry-level person gets access to you you might be showing up nine to five for a bit and if you're incapable of doing that now i don't i don't what yeah well so what help are you seeking are you on medication you have yeah i i have i have real help yeah i've been going to therapy for a while a lot of it hasn't stuck some stuff is it takes a bit probably it's been about 10 years and i've been through things i've tried four or five different medications i've had a psychiatrist i've as far as that you know mental stuff that's documented and that that doesn't that doesn't really relate to the accountability of my actions right that's like that's there that's on the side i need to manage that myself and i'm i've been doing that for the past 10 years and i'm trying to that being said there are certain things that work better for me and work worse for me and my challenge is figuring out what does and what doesn't uh that nine to fives are very standard they're also very difficult and they're they're i'm i'm just desperately trying to find a work around so i don't find my life miserable right now this caddy thing is a bit of a workaround and it is affecting me negatively financially yeah which okay so not not not a great work around i mean yeah well it just hasn't accomplished a goal in the end the goal in the end is it needs to be something that you can deal with because of your personality and also pays the bills if we fail either one of those then we failed well that that's where i feel like giving up one issue for another issue and that's just not achieving anything in the end if you can't pay your bills what happens man we're out on the street i mean that's probably worse on my mental health than anything else i mean well that'll be worth worse to your mental health than anything oh yeah and you said you quit the job so that you could go here and get upward mobility what's this upward mobility that you're achieving anyway because again it's not a career path you're making some connections i don't even know what the those are um so so a lot of really like do you do follow pro golf at all no okay so if you if you look up a couple people like they're they come out to that club as well as his home club are they gonna do for you they're not gonna do anything for me immediately a lot of the caddies there have caddied for them they have some of the caddies there have caddied for once you get these connections as a caddy you will start to make more it's a very slow start but you're only gonna be doing this job for a couple years so what's the then the logic doesn't work anymore okay if i come back to dallas which is it isn't if i do have a girlfriend that lives in dallas i will have that connection at that club now you don't know what your future looks like no idea you well but nobody does i can only go no no you're right sorry i phrased it in a wrong way you don't know what your future looks like but you should have a plan i have a very what's the point of going to college if you don't have a plan what's the point of doing a job that doesn't have a future if you don't have a plan it's okay if you do any of them if it's leading you to a certain goal what's your goal what's your plan where do you see yourself that's the question where do you see yourself things change we don't know the future but where do you see yourself i could end up in dallas i could be in new york i could be a caddy i could make connections i might be in cyber security there's no plan there there's no where i see myself there's just you're just a throw the dice and hope to get a 20 yeah it's it's definitely It is a little like gambling for sure, but I can't push back on that.

16:54You're right. There's no real cut and dry plan. I think that being red team on a cybersecurity job would be fun, which is why I think that pursuing that would be good. I had a little bit of a stint of I don't want to go back to school because I'll make my own way and blah, blah, blah, you know, internet red pill stuff. and i i thought about that a lot i was like as much as this is possible i've been failing with consistency so hard that i i need to go back to school and the jobs that are available for people without a degree because so many people have degrees now are so bad like even if people who have degrees aren't getting jobs the people who don't also aren't well jobs in certain places yeah yeah because right now i mean the labor market like still you could go get a service-based job yeah and they're still very much in demand trade school jobs and that's not a degree it's more of a certification so i mean the one size fits all doesn't work yeah i've never liked the don't go to college college is bad yeah and i don't like the you must go to college college is great and it's the end all be all nothing is one size fits all you're going to have your own path and own journey uh what about i mean you know i always talk about uh tech certifications through course careers and those are great and there's one of my best friends here who makes over a hundred thousand hours a year in cyber security went to a boot camp and doesn't have a degree if you considered a boot camp so so i i actually am certified with cyber security through google through the google career certificate it has not landed me an interview i've applied to over 100 jobs it is really hard and the things i like about certifications well the thing i like about certifications is that it's a good boost to a resume it's a good boost that's great it's not the okay there's i have no experience in anything and this is all i have to say to my name it's a great you know thing to push you over the edge and that's why i feel like i need to and also your resume might my resume oh my resume is totally i have no idea how to make one of this i am no yeah uh bachelor degrees okay again i'm not against it yeah i'm against it if i have to pay a ton of money for it that that's what i'm against it if if it's not what's your education what's your background with education you're 23 yeah so um high school was really really rough for me i i effectively tested out of high school i really didn't show up didn't really make the seat time and i took all the state mandated tests and finals and i passed every one of them so they put me through and i have a high school degree with honors uh and i went to college for a couple years covid happened and i fizzled out with everybody else because i was already dealing with this not everybody else but some people a very large portion of people a decent amount of people yeah they're like i'm not gonna pay the full price for going online yeah and well there's everybody had their own reasons mine mine was basically i'm struggling super hard when it comes to school anyways a lot of the world is taking a break you can afford to do that right now okay but now it's time to go back it's been two or three years it's so how much more schooling will you have left for the cyber security degree it should be about it should be two to three years it might take longer based on if i need to get my gpa up to go to a certain school i don't know it might be the main plan is to go back to community college get an associates and play up a year from there i have i have some plans but they're short term they're not like i don't i don't have this goal in the distance that's like this is my life plan you know i know one of those plans was kind of weird.

20:18You're chasing some scholarship, I was told. Yes. And I'm confused. So what's the college you're looking at going to? So I'm looking at different things. Right now, I'm going to go to community college for a year until next year, that's for sure. That being said, I'm kind of laying down some connections for a scholarship because I need some kind of scholarship. What's the scholarship? It's for gaming. I'm a very high-level gamer. i play overwatch is the my game of choice high level gamer but you're the third best in the lobby that we went to that we have access to your damage is third best in the lobby yeah okay all right so your overall so so people who have seen that including coaches at different universities have looked at that they've said they thought it was a very high level lobby which it is that is that is a lobby there so they're going to give a scholarship to the third best kd ratio so so versus number two and one all right so i'm not going to fully explain overwatch to you which is which is okay but uh there's a lot of different jobs and things that happen in games that don't directly rate to your kd did i make mistakes in that game that i've looked at and i've been like you know we could have won if i did something else absolutely oh because that was a game that i lost i shared that one because that was one that i saved for some coaching because you there's no reason to look at games where you just totally popped off and beat everybody because you can't learn anything from them that was what i had on my twitch that was what was you can't learn what you did well and make that even better though it's harder doesn't really make sense you can but it's harder i mean i learned i get learning i get learning from failures as well but it doesn't mean you can't learn from successes either way regardless of how good you think or don't think i am i have stats to back it up i've been ranked 41 in north america multiple times i have where you're ranked right now um somewhere in the top 500 like 200 ish i think 220 is my season why is 220 getting the scholarship versus one because one is pro and one not everybody's going to college not everybody there's the collegiate scene that's crazy good that's who gives the scholarship colleges who want to have a strong esports program in the college you're going to wants to have a strong esports program well one that i'm looking at pretty extensively is up in massachusetts i just don't want to disclose any names or amounts because i don't which is going to be out of state so it's going to be much more expensive it is that private school yes it is what's the scholarship if you get rewarded the full scholarship it's i don't want to give you a direct amount it is a range then it's equivalent to an athletic scholarship for like football like anywhere like like a full okay so full ride it it's over if i live off campus it's very close to a full ride it's like 75 to 80 percent okay room and board which i think i might not be how many people get awarded this scholarship at a university like that i would i know i'm how many how many i i don't have a number for you i haven't looked into that enough but i what i'm told is top recruits are what are this would be awarded this scholarship why don't you have it yet because i'm not going to college yet i'm not going to that school yet but if it was paid for it wouldn't matter you could go there community college is a great way to go more affordable for college but if college is free yeah so it wouldn't be totally free it's just very low cost you said it would if you lived off campus it would basically be yeah but but still like if you're looking at a school if it's basically free though that still might be cheaper than community college it might be but i have to run the numbers of that and i haven't yet because the plan is to go to community college to live close to home as well so that i don't have i don't have to be away from home and like struggle with all you're not really doing well with school like get your academic feedback for a year yeah the price is comparable maybe fix your gpa i don't know if my gpa after tanking out of college could qualify for this school even even with them looking at me for gaming and saying we want you the gpa is still a factor have they uh in the conversations of the scholarship for someone who's in the top 500 not top 100 top 500 um what have the conversations been of hey we want you uh depends on the school i i typically just kind of right now if it depends on the school then it typically means a more mid program is going to be the one that's offering it uh academically yes that being said well the sports program oh yeah well why would every if you were the top of the class in terms of recruitment i'm sorry i'm just trying to get a full understanding on this i know i'm pushing back okay yeah no no no it's just hard to explain because there's not like a ton of knowledge in the area.

24:52I'm trying to communicate what I know, but I'm not somebody who works at these schools, so I don't have the full picture. I have some pictures. If I was a pro player, there's one school that I could go to, which you can look up right now. Very, very top Overwatch team. I'm not good enough to go there. I wouldn't be able to qualify for there. There's a bunch of other schools that are also very high in collegiate that they would want me to go there. I don't like Maryville academically. academically i like some place like for example clark university i like that academically a lot better uh even if the program might be a little lower than maryville i don't want to strive to go to maryville because i want a good education and the point of this is to leverage a scholarship the point of this is not to go be a pro player like would it be really fun to like take a year and do that if i improve to the level where that's like good yeah but that's not the end goal is that why you're investing money into like a professional coach yeah i mean how much money have I invested in a professional coach?

25:47That's a fantastic question. I've had one session so far with him. Okay. And he has connections to$35. Oh, here comes the connections thing again. Okay. You cannot tell me connections are not useful. I know I fall back on it a lot. No, no, no. I'm not saying they're not useful, but a lot of people justify a lot of things in life based on connections that have never gone anywhere. I hear that on this show all the time. So what are these massive Overwatch connections? it's it's it's just it's good to be known in the cnn and it's good to be known by somebody who works at a top level school that i might want to go to okay that is in the school yeah direct directly in a school that i might want to go to and i'm not gonna you know no no you don't have to say the name or anything like that uh but isn't at this point if your mom's taking care of all these extra bills isn't she essentially paying for the coaching in a way indirectly indirectly yes and how many okay i don't i don't know about that she pays for transportation she would not give me money for coaching isn't she paying for community college once you go there uh for community college yeah how but how does that and then she'll be taking care of your rent as well while you're up there while you'll be living at home living at home yeah that's that's the plan save money my my lease is up in april down here that's the plan is not to continue with a rent bill the reason i'm moving home is because rent like everybody has rent rent sucks yeah but but everyone works and pays for their rent.

27:10Yeah. You don't. How many hours a month are you putting into Overwatch? Definitely more than my job. Okay. Doesn't the big boy maturity thing mean let's go at least take care of our bills first before the video game? Yeah. And as a video game nerd, love them, I focus more these days on like strategy games. That's kind of my thing that I've fallen into and like building city games. but yeah um they're very fun and i pumped many too many hours into them but before i do i pay my bills yeah yeah like an adult okay i mean i i don't i don't have anything to really disagree with you like what you said is objectively correct and i i don't have i mean you worked three days last month and you streamed 18 days yeah oh sorry you worked three days last month and well how many days when was the last time you streamed because i know you do some streaming yeah it was it was a while ago it was i um i really wanted to start it back up and my girlfriend and i kind of went through a rough patch and we were uh you know at that point she kind of just took the pc that i was using and i haven't really had access so okay how often do you stream i would like to stream every day for about four hours okay do we do that again when we worked three days last month this is i want our priorities man well i i can't just get more caddying loops if i don't have them i don't have no but we can work another job in the service-based industry at the minimum at a minimum you know uh they have summer moon up there summer moon coffee yeah up in the moon milk currently it's very good yeah it's they're like creamer and so every once in a while i go in there and i get some from the office the manager uh the other day recognized me he's like oh okay i love your show so i was like oh thanks we stuck up with a conversation he was like dude anyone anyone you talk to on on your show who like says they can't get a job please dude just like force them all to come here we pay 25 an hour for like the easiest job ever in the history of the world please we literally just need humans to come here and just stand for a second you can get a job that pays money man yeah and work more than three days a month i don't care if you can't get more loops you have the ability to work if you want to you don't want to you stream instead if you can get a scholarship fantastic we looked into the scholarship a bit you talked about your ranking you're putting a bit of a bet on it and that's okay a lot of people do when it comes to going for sports uh scholarships and stuff like that and this is very similar same with music scholarship and stuff like that i got a scholarship for my music not as extensive as a full ride not even close but even still we're putting a lot of weight on that i mean instead of being able to pay our bills today but you can't pay rent you're putting it on a card well maybe what if i just don't feel like getting a job right now what if i just don't want to do that for a couple months like what if i just wanted well that's just the most childish thing i've ever heard in my life yeah i guess it might be how is that okay how are you okay with being essentially like a leech on society at that point i just i guess i just don't want like a job that i just would find boring i don't want a boring job be an adult what do you mean that's not a thing what boring jobs how are boring jobs not a thing did you ever work a job or you were like no this is not an a that's just not a thing that is like real world like that's not a i don't even know i don't even know how to like phrase this because that's totally no that's not i'm not saying that i'm saying the thought you had is like the stupidest thought i've ever heard you're free to think that the are you that doesn't make sense that doesn't coordinate with your adhd does it the boredom oh that that 100 does so it coordinates but it doesn't i mean i guess yeah that's what i'm figuring what about like delivery driving for like jimmy johns that's what i did it's not boring with with what car oh well that's true none of that sorry i was just going off my own example i was trying to think of like what did i do through college that wasn't boring and that wasn't boring so it's just it doesn't i don't know i mean i think walking out of a golf course is boring but yeah i all have different things We agree to disagree on that.

31:41I mean, I guess there's not, you know, with... I mean, I think driving over the sand pits going way too fast dangerously in a golf cart is very fun. Yeah. I think the courses... Tony Romo would love you, dude. That's what that dude does. Yeah. All right. So on one of these cards that is currently 0%, the Capital One Savior,$1 ,215.34. the$25 minimum monthly payment yeah is making minimum monthly payments bad I mean you gotta keep that going right what are you talking about no yeah you put a minimum monthly payment towards it uh you didn't put anything extra towards it no not right now and then you put$836 against it new transactions bringing it up from$604 to $1 ,215 great oh it's just going out to eat so it doesn't even matter whatever that roman restaurant roman restaurant alien champion alan alan i yeah it was that was that was actually orders adidas 108 bucks from adidas is that for golf caddying those are all tax deductible which is cool push no golf oh because your contractors tax deductible with what income what are you talking about ambit water burger water burger sonic mcdonald's taco bell taco bell and joe's pizza so great what are the things we're actually putting on a zero percent interest credit card going out to eat you have to eat food like i i what is this world what is this society what have we gotten to have you ever heard of this wonderful invention called a bag of chips or a sandwich or lasagna do you know like when's the last time you've been to a store and like tried to buy things to make those things i go to the grocery store like once a week Last time I went to the grocery store, I bought water.

33:36I bought a case of the drink ice, so I didn't buy as much drinks out. And I bought bread, and I bought a bag of chips. Oh, yeah. And I was at Kroger, and I was trying to buy things that were on sale with the Kroger card to save money. It was$37. Okay. Most of that sounds like the ice thing. That was$11. Yeah. And then what was it? Water, a bag of chips, bread. What water? Like what? Ozarka. Like a big old thing of like a bunch of individual packs of water? No, it was. So I actually, since I was using like a lift to get home, I didn't want to carry, like figure out how to carry that in and out of a lift and up my stairs.

34:13So it was two small packs of like six water. Yeah. Bottled water. Okay. Well, bottled water is kind of an expensive way to go about water versus a water bottle one time charge for$5. Yeah. Yeah. But realistically, is that going to make or break my financial situation? Like that amount. What do you mean? You put it on a 0 % interest card, you can't pay for it. when we did our budgeting program uh which you get to go through for free congratulations uh we put together a grocery budget from heb which you have access to up in dallas i personally don't have access to an heb it's too far okay well either way it was just an example of a grocery store oftentimes on grocery stores what you can do is when you have a item that you need to shop for you can sort it by cheapest to most expensive on the website and you can find where it is in the aisle and what we do are the free pickups i did not every grocery store offers that but what we did in the budgeting program is laid out 2 500 calories a day plus snacks and desserts all that 300 bucks a month for a single person you're spending 20 a meal going out to eat 20 a meal going out to eat how many how many what do you eat for breakfast do you eat breakfast no okay lunch do you go out 15 20 bucks in that round okay and then dinner 15 20 Okay, so 17 plus 17.

35:3317 plus 17 plus 365 days a year. 17 plus 17 plus 365 days. Divide that by 12. Yeah, that's$1 ,304 a month versus the$300 a month if you went to the grocery store. I've never been able to go to the grocery store. Then you haven't budgeted. You haven't meal prepped. You haven't planned. You walked in there and you bought. You didn't plan. I absolutely did not plan. You're correct. And the other thing, though, is... So no, it didn't work. What are you? That doesn't make sense. What kind of argument? I guess it doesn't make sense, but then it also comes down to, like, one, if you eat at home, the food is not just free.

36:18You have to still spend that cost. And then on top of that... You have$300. Yeah. Well, on top of that, I have to buy a bunch of cookware. Does it make sense to buy a bunch of... You don't have anything. I have nothing. Buy a pan. ah parent you can multi-use if one has lips and one is flat you can multi-use it and wash it between things then get one fork one knife one spoon one bowl one plate you win what is yeah i i guess that's that sounds like a ton of effort it's like a ton well you're just lazy then and you're not going to get anywhere in life with that attitude it's as easy as that work three days a week

36:55not get a single piece of cook work this is being a lazy little yeah i guess i guess there's some truth okay stop all right freedom card

37:09if you give a which i personally think you do from the pre-show talks and everything if you give a it's going to take some work that's obviously your hard part is not being lazy and actually dedicating yourself and seeing things through and coming in with plans minimum fee payment on this one 40 bucks and that's all you put towards it shocker and we've added an extra 655 we're just bringing these balances up that interest is going to start accruing it's going to f*** you now it's at$1 ,040.21 oh what did we do we went to McAllister's Alley, Pizza Hut, Pizza Hut, AMC Online. So we went to the movie theater that exists.

37:49Great. Popeyes, some Puttery, Portillo's, Pizza Hut, Steam. Great. I thought you only played Overwatch. Gotta branch out sometimes. Gotta branch out sometimes. You can't just play one again. Cook Shack and Talate Bar. The interest rate on this guy, it's gonna be about 30 % when that kicks in, dude. It's not gonna be good. And if that's 2025 and you're just building it early 2025 you're just building it up building actually technically less than a year from now now at this point yeah it's yeah that's uh no just about a year yeah and you're just building it up you're just building it up you're like yeah i'm not gonna work it building it up building it up i'm not gonna bring in any money in order to pay it off building it up building up and it's gonna and you're gonna be in the middle of college interest is gonna be accruing like on the student loans you already have even though we haven't completed college so it's just like well those those actually aren't accruing because i i don't think i deferred them but i applied for a plan where they wouldn't accrue interest until a certain point in time yeah interest has occurred though yeah i think it accrued pre-covid i want to say the belt card that's just rent and it gets paid off every month i better i don't know how you do it it's it's because you made four hundred dollars you have to be you have to be getting money from someone or somewhere well i had so before i switched my job i had a bit of money saved aside for that month's rent and i held it in my bank account so then i added it and then i made sure i did that and now what's the plan i i didn't have a plan past that i thought i'd be making more money yeah new plan get job that's what adults do yeah i think i think that finding a supplemental job would be a really good idea and i've genuinely been struggling with that in what ways i a lot of the jobs that i have applied for which you know ultimately i guess isn't too much um i tried for probably only about a week and then i just kind of gave up but it um well that's obvious yeah yeah well a lot of them just wouldn't take me wouldn't respond to me because i had another caddying job where i wasn't able to like commit to a shift because if i get called into work i'm going to pick the thing that i want to do more i don't care about what you want though i mean i always will yeah i mean i always will i will care what about what i want you put your wants above your needs you will always put your wants above your needs if so this conversation is pointless okay that's be honest that i don't think that that is a true statement i don't always put my wants above my needs right now you just said you always will though so i know i said i always will care about what i want i never said i'd always buy wants about my needs i can care about my needs too okay well that's not how i took that about sure okay i will trust you and say that's what you meant so if that's the case then go work one of those jobs today when you get back home when are you moving back to new york april 14th is the job gonna hire me for a month what was the point of this whole networking thing that we took advantage of the because if i come back i have the connections if i work at another job that money disappears i don't know where i mean that money disappear you're just building up debt right now yeah it's future money's disappearing it's pretty bad future money's disappearing future money yeah that's true student loan somewhere at five percent right now you're not having to pay it um the status is in repay but it's in the loan program you're in but interest no your interest is still occurring you are incorrect your interest is still accruing you don't have to make payments right now you might be on some income-based thing yeah and you're not paying any interest your interest is accruing your total principal balance started at eleven thousand dollars but what you're going to pay back in total at the end on your current path is$23 ,318.

41:52Does that make sense? Yeah, I don't. That's with interest being paid. Yeah, I don't. That's insanity. It's a lot. I don't plan to make it go full term. What do you mean? I don't plan on like paying off. I plan on paying off more of the loan. With what income? With what job? Right now, nothing. Exactly. So how does that change in the future? I guess that's a future thing. I haven't directly thought about that. That's such a dangerous mindset. that's such a dangerous mindset that's not how this works that it is an instant good feel good thing it's a sigh of relief when we're just like we're not gonna worry about this today it's a tomorrow thing yeah it does there is trust me i get that feels good that's not what an adult does yeah and congratulations 23 welcome to adulthood you've been here for a couple years now now it's time to level up our behavior to reflect that's that's the plan with school is if i can go back I can do it with smaller amounts of debt.

42:46I will have a better paying job. Yeah, but with school, what if you don't get the scholarship? Because you're banking on it. If I don't get a scholarship, well, it's pretty. I'm not going to say it's like, sure, but I can get a scholarship somewhere. Let's say the likelihood is high. It's very high. Well, let's say it's high. There's still a chance you don't. What happens if you don't? And that's an if. Well, it doesn't. If it's high. Doesn't that go against all the other stuff of like having a plan? Like the plan is this. it's banking on a good idea i don't want to take out a bunch of money for no no i know a plan so the plans i usually talk about they're more plans where there's steps along the way to execute in order to hit a goal what your plan is relying on is hoping to get accepted into something there's a lot more out of your control there yeah it's it's definitely kind of a backwards mindset but i would say i would say the steps with this are continuous improvement and keep in contact with people who know me and know that i'm improving and then you know there's do you think you might be relying too much on this hope that other people are going to be the ones that save you these connections that you formed networking is not a bad thing by any means especially in the industry you're trying to do you know your career in yeah you're like taking a big bank on these other people on the scholarship a lot of things outside of your own control it is a big gamble i guess if you put it that way yeah but i but so why not be the one in control well i i am not in control financially that that is that yeah i mean okay but to make the argument that i'm totally out of control is wrong i'm i'm in control with my skill level i'm in control with yes well whether or not someone accepts you there's also the academic yeah there's the academic part well that's in my control too is improving my gpa out of college in order to get accepted That's totally in my control.

44:39What's not in my control right now is - What can you improve your overall GPA to? Even if you have a perfect semester, perfect two semesters of community college, what will it improve your overall record to? I don't know. I have not looked at that. That is - Shouldn't we know before we're committing to this big plan? You're already planning to move back to New York to execute this, but you don't know what you can raise it to overall? I don't know the specifics, but I do know I have to go to New York anyways and college comes - Well, I can't pay rent. I can't afford it. It's really obvious. Well, yeah, but that's because you're choosing not to work.

45:11That's a choice. You could live here if you wanted to. And also, what about your relationship? I mean, that's going to f*** you with your relationship, right? Aren't you down here together? Yeah, but we started long distance. Okay, and you're going to go backwards now. In that aspect, yeah. That adds extra stresses to life. It does, but it also, quite honestly, I'm not... I don't really like it down here to the level that I'm mentally like super okay. And that's something I really have to be honest with myself about. And I have to say, hey, I want to go home and I want to make sure that I get mentally okay.

45:45And that's once again, that's that stuff that's over on the side. Sure. That that factors into everything. But I don't want it to affect the accountability of what I'm saying. Well, I'm down for that. If that's the reason you said from the beginning, I'm totally down for that. But you said I can't afford to live here. You can. You're choosing not to. Okay. Okay. Yeah. i'll concede on that point so in the cash app we're just sending money to someone and we're just uh transferring money out somewhere so really not much there and we're using fidelity as a checking account started with a lot of money and we only ended with 1000 yeah i you know what there is a lot of relying on other people with that stuff where you're looking at start a lot of money ended with and it's um i i had some stuff put away and then when i decided to stay down here and you know pursue the relationship i put a deposit on an apartment and everything kind of is your lease up in april yeah good that's yeah i only i only got a six month lease because i as as much as you were prepared to fail weren't you it usually doesn't set us up for success i i am as much as you're saying that what happens if this doesn't work what happens if this doesn't work i always tend to put up contingencies that prepare my worst case scenarios to not spiral so that's what i do and it's like it's a it is it is flawed but the contingency of example i'm in debt right now i'm home in a month that's the contingency i can't accrue a ton of more debt in that time even if it sucks it's not gonna be like there's no way for me to if i can if i'm just if i'm just paying for food there and going out to eat a thousand hours a month okay i can probably save money by eating at home i i probably i mean seven hundred dollars mathematically i have never been able to do that in practice go through our program okay all right maybe with your program i'll i'll send that point but right now i i will be able to do it if you actually fall yeah all right sorry go ahead all right well so the other the other aspect of that is realistically do you just said yourself that you go get lattes and stuff or moon moon milk yeah i don't have bad debt and i have a fully funded emergency fund and if it's in my 50 30 20 you have bad debt you do not have a fully funded emergency fund you are not in your 50 30 20 period of your life i can afford it you can't yes i agree with that 100 percent with all of that realistically is somebody going to be able to hold to that plan and i know i have on the show i would find it incredibly hard to hold that there's certain things that i would i I would, in practice, I would buy the groceries and I would still buy food.

48:23And it was always f***ing me when I was doing that. And it was every time. Well, you didn't go in with a plan. You said that before. I didn't. Well, I actually did multiple times with Aldi. Well, now you're lying then. You either lied before or you're lying now. Choose which one. I didn't fully finish what I was saying before. Okay. There have been times I've gone to Aldi. I know that I've used cookware and stuff. They have, like, kind of pre-prepared stuff that's a little cheaper. and I have tried to keep to a decent plan. I spent about, I spent like 100, 150 bucks and that was one week's worth of food.

48:55And that was - Even that will save you so much money. Yeah, in theory it would. But then I was also like, my girlfriend asked, hey, do you want to go out and grab this thing? Because if I'm just buying food for myself, I'm going to go do it. And in practice - Don't start pushing blame. You can say no. Yes. You can say no or you can say I can't afford it and then she might offer to pay. I'm not pushing blame. I would always want to go do that and I would always want to go there and I would be the person who would always be like yes and I would I would sometimes I would pay for her too and that's just what I wanted to do whether or not there's blame that that was a that was a decision that was a choice but again what's more important than wants needs yeah so you have a lack of discipline yes and you know that's okay it's like we will get you the discipline uh lack of accountability lack of plan preparation a lot of things you just have to be willing to change that and if you are but you've already set yourself up for defeat you said uh there i'm not going to be able to do this is what you said i set myself up for failure a lot i put contingencies in place contingencies are okay that's what an emergency fund is it's a contingency in your financial life but setting yourself up for failure is not okay you're allowing you're giving yourself a preemptive excuse to fail trust me it's not gonna be perfect when i was getting out of debt and i went hard and extreme i had slip ups i was not perfect of the average people on the show who paid off eight thousand dollars or seven eight thousand hours in seven months or the median six thousand dollars in six months um from getting my numbers right they had slip ups along the way too it happens but preemptively excusing your future slip up is unacceptable because that'll just spiral man that'll just spiral that's justifying it's making it okay and you're doing that and that scares me that's that is i i can see it and that is that i I agree with you.

50:42That is genuinely the biggest problem. It's, oh, man. Yeah, it's just that. In your Fidelity, you're just transferring things in and out. Your Venmo is, again, just back and forth. Yeah, back and forth with people. Oh, great. This is cash app. This is money coming in for your mom, 50, 50, 50, 300, 100. That's all only transportation. uh that's where was that i mean february is 350 i don't okay 50 50 the 300 was because i bought my own christmas gift back in december and she wanted to reimburse me for that that's what that was the 50s transportation stuff mama josh what are we gonna do i i'm very aware that i wouldn't be able to really survive without it right now i'm very aware of that yeah it's not like a place i be forever but it is absolutely a place that i am now by choice a bad choice i don't want to be by choice by choice yeah yeah does your mom know it does your mom know that you're choosing this yeah i mean choice is she enabling bad behavior i'd say potentially yes does she know i wonder how informed she is i think i don't know i don't know her but looking at her picture she seems like a very nice lady she's a very nice lady and i think that she's helping until i come home but is it actually helping you and that's what i don't know three dollars sitting in this extra account is doing nothing whatever that's it so you have nothing in retirement scary retirement no scary yeah you'd want to start now it wouldn't it wouldn't be anything significant now but you'd want to start now of your spending categories y 'all this is the time to switch to my favorite high yield savings account.

52:35With SoFi, you can get 4.6 % on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least. You can also get FDIC insurance on that money up to$2 million with them. Plus, they'll give you money up to$300 when you set up an account with them. There's even extra perks like being able to get paid a couple days early. SoFi is what I use when I'm setting money aside, and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money so don't lose money on yours first of all remember total income that came in just from whole 995 of this was from your mom essentially well no from venmo's in venmo's into that i can i also get paid in venmo sometimes for caddying okay so total that came in from venmo's about 500 of that came from your mom with the 300 with the 300 it did but that was i'd already i know but that all i'm saying is that's okay okay so what probably actually came in minus what your uh minus the gift was about a thousand dollars yeah probably what came in but total spending was 2759 yeah housing 1182 dollars 68 cents or 42.9 percent of your spending transportation 0.9 percent where's where are the transportation bills going to her card oh that's why i don't see them yes they're going to her card yeah it was and why is she sending you 50 dollars here and there what do you mean with was if it's going if it's charging her card she's sending you money okay yeah answer the question sorry i'm my my brain is like short circuiting sorry if we could like just take a moment it's okay because i i know the answer and i'm just like lost and i'm not i don't feel like pressed or anything i'm just kind of like you're okay just lost no that's okay so my mom does my mom does cover transportation she covered she covers that that is going to her car via lyft which is why you don't see it she was also sending me a little bit 50 a week which was helpful and she was being nice and doing that just just to just to help because she knew that i was struggling with the not getting work and we've talked about it and it it is much more nuanced with that with caddy politics and what i thought i would get and wouldn't get and she was like okay i can help you a little bit here's what i have she's very very kind when it comes to that she is very that's what you're seeing with the venmo i thought you were looking at a different thing but you know now from the beginning when you said she only did transportation that is now incorrect because she is giving you a couple because she's giving you a couple hundred bucks a month she pays yes she pays for transportation she helps a little bit as well okay i wasn't trying to omit anything and i'm concerned that it's not actually helping you it is not helping me financially that is objectively true because you're able to slightly skate by you having access to the credit cards is not helping you it's allowing you to be lazy necessary food here's your grocery stores 16.8 percent 462 dollars 15 cents expensive going out to 802 dollars 53 cents or 29.1 percent you're spending unknown shopping typically walmart amazon i think in your case it was walmart we just don't know what was there 0.4 percent miscellaneous bs is stopping getting some bull 8.6 percent or 236 dollars and 38 cents other large purchases 1.3 percent now i think in some of the miscellaneous i think we may have calculated some of the golf things there which is not totally fair uh yes it was well i mean mini golf come on let's not tax it yeah you yeah no that's not taxed blizzard amc now champion clothing that was for work adidas and what so that's okay what i will say about amc but still come on out of before you say that just still on this that's the food spending not only is the food but with some of the miscellaneous bull and probably overspending on groceries as well because we're just food food food um i'd say about 40 percent of your spending is unnecessary what are we gonna say well that was that was oh well the amc thing is the amc stubs is great entertainment value if you're trying to save money and oh save money sure i wouldn't if i was if i wanted to see movies yeah and uh i could only afford the movie theaters.

56:47I guess I would go to the movie theaters. I think we've established I can only afford videos movie theaters. I think we have. Well, no. I don't think you can afford any movie theaters. There you go. In reality. Okay. Total income. Thousand. Plus mom. Thousand. Two hundred, I guess. Yeah. It's going to be interesting. People get upset if I don't make the budget. because everyone likes to be upset at everything but this changes in a month you move back home so is there even a point to this is what i ask i mean you you could i think that's your job but your spending is going to be different you don't have a rent you don't have this i don't i don't think there's a point to making a current budget immediately i think that may be like a helpful like kind of rough plan of like what things should be going totally could do wonders for me okay sure well that's fair enough these cards man they make me nervous right now they haven't bloomed to something that's like will destroy you yeah they're in the beginning process of turning into something that could destroy you i'm a little nervous relying everything on this scholarship i hope you get it i'm rooting for it if you get it yeah all about it I'm a little nervous especially if we don't understand where our academic standing is going to be after community college the academic standing is the hard part the other stuff is that's the thing I appreciate your confidence and your skills number three in the lobby but what do you want me?

58:25I've never played that game I know I'm sure if I played City Skylines that you'd have a little bit more experience I would build such a better highway than you so it wouldn't look like Dallas highways uh depends if i wanted my sims to suffer or not yes but okay if we're moving back home let's assume the balances are going to be like 500 bucks more when you move back home okay so you move back home what i would like to do focus on that community college so you can get your grades to where they need to be it sounds like mom is going to be covering living expenses potential transportation well i have a car up there i just don't how am i gonna ship a car to texas there are things called roads yeah i mean i know well okay i brought mine down from michigan i will tell you the actual reason the first the first is it started as a visit and i didn't know if i was gonna get a six-month lease i ended up doing that okay once you signed it that's when you go back and to get the second thing is driving down here is scary on dallas highways it is until compared to like where i'm from and i just never got over that hump and i was always just like in six months i'm just gonna be gone it's gonna be okay so you knew you were gonna be gone six months from the beginning so again you set yourself up yeah i did something if you want to look at it like that yeah but the idea was i just you know i had i had a good idea that i might be i didn't i had not decided whether or not to permanently stay or permanently leave and i was kind of in a state of limbo and i was just there was no direct plan okay but yes no the highways are scary until you do them after a while it's kind of the practice makes perfect type thing so you get used to them but i i get it you just have to this is something you have to overcome if i'm gonna live down here 100 sure i'm fine fair enough it was your mom paying for it anyway so whatever so is she so you'll be how is gas going to be afforded up there uh that's gonna come from uh my work probably okay so you are gonna work i'm planning to get caddy jobs the whole one of the entire three isn't it gonna be hard with college though because you're gonna have to block off so much time for so so for the so for the summer where the golf season is like really popping in new york you're not gonna be in school i'm not gonna be in school what are we doing for the other fall what are we doing the other eight months of the year seven months of the year well that's gonna be school but the goal is that sorry so you're saving up a big chunk i i if i could get a caddy job up there and save that up and pay off my debt that would be ideal that'd be awesome We're relying on this caddy job being successful when you've never had a job that has made more than$400 a month from it.

1:00:56It's a lot of relying. But$400 without living expenses is a big chunk. That's$400 directly to debt. Well, I thought we were doing this to save up for gas money. How are we paying for gas money during school years? Okay. That's... I don't know. I didn't get that far yet. Oh, geez, buddy. Okay. Okay. Okay. I mean problems can be solved that are like three or four months out when I'm home and I have like less mental stress. That's fine. There's nothing wrong with waiting. You know what's going to help with mental stress though? Not being in debt. Yes, of course. But actually having a plan, knowing what the plan is, what do we have to accomplish.

1:01:33Sometimes the overwhelming of what you know you have to do is still going to carry stress. But knowing you have a way to get there other than heading into the unknown fog, that can take a lot off of your brain, a lot off of your shoulders, man. so i think what is actually going to be most important for you right now who who do you who can you trust financially career-wise who's like someone in your corner that you can trust to have a good conversation with so do you have someone that is that trusted person that is knowledgeable that you can sit down with yeah i i what do you mean knowledgeable just about my life or about just about careers uh just you know and good and good in terms of Like they'll give good advice for your life, for your career, for your money.

1:02:20I actually might have a couple people in mind. I'd ask to sit down with them. Give them your situation because this is going to take much longer, much longer than any time that we have right now. But these are the things that I want to accomplish. Here's my overarching plan of where I want to hit. Can we take all this and construct it into an ABCDEFG? Yeah. Like where does it go? because I think that's what's going to be most productive for you. At some point, these credit cards are going to be some letter in that plan. What you need to do is sit down for a few hours with someone over a meal or just whatever and just try to construct what do we do from here, in what order, what are we trying to attack.

1:03:01And I think if you're able to do that, one, sure, it might cause stresses in different ways. At least it's not headed into the unknown. You know what you have to do in order to accomplish something. That gets you to the next place. that's going to be what's most important for you because right now again you started towards the beginning of the conversation i could end up in doubt so i could end up doing this i could be a caddy i could be uh security we need to narrow down a little more and i think that's what's going to be most important so i know it's difficult but uh i think hopefully this is at least a wake-up call in terms of your finances and where your actions are and the finances and actions i 100 agree i think it's more of a wake-up call and like so what like the big thing that really resonated with me was you saying so so you just give up buying groceries because you haven't had success in the past and that like it's even with your finances it still makes sense to try even if it's not succeeding to try to go down the right path despite but not, you know, good.

1:04:05Hammer financial score. Get yours for free in the description below. Spending in the budget, 0 out of 10, because you're putting it on a credit card because you don't have enough, so you can't get a point there. Debt, not the worst of the worst. I'd say 3 out of 10. Merchants fund, just a little. So 1 out of 10. Retirement, nothing, 0 out of 10. Real estate, nothing, 0 out of 10. Hammer financial score. I should be using math, right? Yeah, 1 out of 10. Make sure to check out all the resources linked in the description below. They are what I use or would use in specific situations, including the best budgeting program in the history of the internet.