Creditmaxxing A Decade Of Debt w/ Caleb Hammer | Your Mom's House Ep. 866

Welcome, welcome to your mom's house. Welcome to the show. We're very excited that you are here. For those of you that don't know, this guy puts out some of the most entertaining and informative content on the interwebs. Don't forget to get the Dollar Wise app, watch Financial Audit, and check out Caleb Hammer on YouTube. It's Caleb Hammer. Let him hear it. Listen to those fans. Wow, thanks guys. That's so nice. It's crazy. I told you, I have been watching your stuff for years, and I had the thought many times ago, I was like, oh, that'd be fun to do that show. And I was like, there's no fucking way I'm going on that show. And I never thought, this is how my brain works, oh, I could invite you on this show. And then I see you on Rogue, and I was like, oh yeah, we could have you on our show. And I never did that. So I apologize. But I'm highly entertained. By what you put out. Do you think I'd yell at you if you came on my show? No, you'd be like, what are you doing here? You're so well off. You make tons of money, and what are you, are you showing off? Yeah, this is a brag. Why do you have all these cars? Yeah. No, it's just like, I love that you give it to the poors. You straighten them. You're always like, you fucking poor piece of shit. I love it. You deal with absolutely, here's the thing, I actually sometimes will be watching an episode of your show and be like, I can't watch this because of the anxiety I get by the lunatic you have on, and how fucking delusional they are. But you know what? They're having more fun than us. I guess so. They're having more fun in life. They have no stresses. They should have more stresses, but they have no stresses. They should, because they're so checked out. Yeah, no, just like head is in the ground. They're done. They don't want to look. How do people get on the show? They submit? Oh, yeah. Everyone watches it, just like you. They watch it, and they go, I want to be on. So they think like you did, but they actually apply, and they go through the whole process, and we figure out who has the worst finances. And then sometimes it feels like they're there, and you're like, wait, dude, do you understand the show you're on? Because they're so fucking checked out. Dude, this one blows my mind. They all watch the show. They know the first question. I ask what they do for a living and what they make. And 50% of them, I cannot get. They don't get the answer. It's crazy. What they make. It takes me like five minutes sometimes. So many times you'll be like, so what do you do? And the guy goes like, let me think. Hold on. And you're like, let you think? What do you do for a living, man? It's crazy. He's like, well, last year. And you're like, what about now, though? He's like, hold on a second. Let me see. What am I doing now? And you're like, what the fuck is wrong with you, man? I don't know. Those are the kind of people, I guess, going into the worst at. Did you get into it because you, like, were you raised in a financially aware household? Like, was it a discussion? No. I mean, I knew nothing. My family knew nothing. We had foreclosure notices on the house. Really? Yeah. They had me at 18, 19. My dad was a gas station clerk. My mom worked front desk somewhere. Super young parents. Super young. They had no idea what they were doing. We didn't make good money. Anything we ever did that would have been fun was just funded on debt. Either a second mortgage or credit cards. It was horrendous. So, of course, I turned 18. What's their advice? Max out a credit card to get a piano I wanted. And they're like, that's good. That's good. That's what everyone does. That's how you get credit. Yeah. You're 18. You can get a credit card now. So, that was an exciting moment. Immediately max out a credit card like that. Took out a bunch of student loans to go get a bullshit degree that I didn't even complete. I dropped out. Wow. But, of course, you know, like most American families, especially poor American families, the answer is no matter what, go to college. Yeah, yeah, yeah. That's it. And it does have a premium on investment, typically. But that was. That was everything. So, it was borrow whatever it takes to get whatever degree you want at whatever school. Yeah. And I was just maxing out credit cards like crazy in college. Racking up crazy debt. Oh, yeah. I was just going out to eat every day. Yeah. You know, whatever you're doing. And I, you know, I did work through college, but I don't know if to live up with that kind of lifestyle. Yeah. And, you know, borrowing for a car because I didn't make much money and I was a delivery driver anyway, so I needed to have a car. Borrowing from family, it was a complete mess. And I just looked around my shitty apartment one day and I just realized, like, I'm not going to hit any of my goals. Yeah. I'm not going to hit any of my goals. I was like 23 or something, right around there. And I moved down here in 2018 and got a sales job making 30,000 bucks here. And I was able to use that as an opportunity to work my ass off, figure out that system and got to six figures pretty quickly and just started chipping at that debt, consuming all the finance content I could. Just chipping at it. Then bought a first house. And just continued that financial journey. Got a quarter million dollar net worth before ever starting this show. But I was like, OK. Damn. OK. That's impressive. I'm doing pretty good by 27 or 26 at that time. I want to do YouTube. A YouTuber almost hired me. He didn't. And I was like, shit. Well, I actually kind of really wanted to do YouTube. That excited me. It was like a two month process of getting kind of led on, thinking I might work in YouTube. Yeah. I mean, this is super cool. So I was just like, let me try it myself. And I was like, what's a show? What's a show that I would like to watch that doesn't exist yet? And it's like a more extended version. Because there's lots of call-in shows where you have short little interviews and stuff. I wanted that extended version. Yeah. And that almost parasocial or really weird where I get to see into someone's life. Yeah. That's what I want to watch. So that's what I ended up making. And ever since then, for four years, it's just gone crazy. But the main premise, besides all the drama and the slop and the fun with it, is to have the kind of conversation that someone should have had with myself. My dumb ass at 18. That's really cool. And that's the funny thing is I think about this all the time, how poorly served we are in the education system. Growing up is like two, there's a lot of things, but two things that are so important to just life that we get nothing on in school is nutrition, like real nutritional education and finance. So you just end like, you know, they go like, don't eat too much. Just bread and eat. Like, that's what you learn. And then everyone struggles with like how they're supposed to eat. And then finance wise, you learn nothing. You just, if you go to college, you're a freshman in college, you're walking through the student union. They're like, do you want a credit card? And you're like, yeah. And then it's like 29.9% APR. And you're like, sweet. And you're buying fucking Gatorades off of them. Yeah. That end up costing you like $30 because you fucking roll over the debt over and over. And you don't, you don't know, like I had a little advantage. I had a little advantage in that. That's why I asked you about your household. Like my dad was a financial advisor. Okay. So pretty like fiscally conservative person. And he wasn't like, you know, constantly, he wasn't like drilling it, but it was always emphasized to like, you have to put money aside for taxes. You know, you have to have a retirement, a pension. So like I had a, I had a Roth when I was 16. Damn. That's so much more than most people get in their brain. Yeah. That's wild. And put just like always have. Yeah. Emergency funds. And, you know, I had debt and everything, credit card debt. And I honestly wasn't able to like just eliminate that until my career hit a certain point where my income just, you know, rose up to a point where I could, you know, just erase it. Right. Well, that's show business, right? That's show business. Everyone starts off so poor. You start off and like, you know, we were very much struggling not being able to pay bills, cover rent, and then, you know, just like how it goes sometimes. Something hits and you're all of a sudden in a different income level. But I've always, I always had the mindset of like, you, you know, you only spend more if you're earning more. Right. Like everything was like about tiers of income. See, that's smart. Cause that's not what Americans do. Right. Yeah. That's a difficult thing. And it's, here's the thing. We live in a candy factory, but that's what it is to live here. Is you live in a place where all day you're just hit with advertising for everything. Consumerism. And they're like, your shit's not cool enough. Wouldn't this be better? And you have to have the discipline to be like, no, yes. And, and be able to navigate that and think about savings. Think about retirement, all these things that are not sexy to think about. The crazy thing is though, right now, and this is what's going to start pissing me off and the conversations and episodes I filmed the next couple of years. Now we're at close to 40 out of 50 states require a personal finance course to graduate high school. Yeah, complete game changer. And that's been just the last few years. Like the governor of Michigan came on my show. We did a audit of the state of Michigan, but her big plug was that they passed that. That was a big thing. And she's really proud of that. And she should be. But I mean, I don't know what you're like in school, but for me, I mean, I don't think my parents did very well in school. My brothers didn't very, didn't do very well in school. I was an absolute dog shit student. Exactly. Dog shit student. So was I. If I was required to take the personal finance course, I probably would have done it like deeply. plus passing. you know yeah and i wouldn't have learned anything but that's what's going to piss me off is the excuse that everyone uses on my show is that no one told me they always say no one told me what's a roth IRA all this stuff they tell me that but that can't be an excuse anymore because now it's being taught in the majority states it'll probably be 50 states soon yeah and they can no longer use that excuse and if they do i mean this is going to be bullshitting me at that point and there's also this like you see it on your show and you see it in life is like there's that just willful disassociation of reality where you're like hey your rent's coming up and someone's like yeah i don't know man i'm just gonna go to the movies tonight and you're like wait what like you know like people just ignore that that fucking the knock on the door basically yes dude you gotta you gotta do something right now no every time i literally filmed an episode right before this where they were not able to make the rent payments but of course the further i went into the episode i got their checking account i got their credit cards and And, I mean, it was a couple, and they spent minimum $750 on bullshit a month. Yeah. But they couldn't make their $800 rent payment. And people, like, people push back on you the most. And I'm not saying just even in the room. Let's say, like, in public, where they're like, well, you're not, like, you're not being real about how costly it is out there. Sure. Like, you know, it's expensive, which it is. Like, it's an expensive society to live in. Things do cost, gas costs a lot, groceries, housing is expensive. Everything's expensive. Like, nothing is, it's not cheap, you know, unless you move to, like, some stick, you know, whatever, hillbilly village somewhere that no one wants to live. Like, it's expensive. So, let's pretend you're the internet, then, and you just said that. Okay, my response is, okay, now what? Your mother is doing stand-up in Chicago, Illinois. September 18th and 19th. Get your tickets at ChristinaPete.com. This time of year always brings up memories of when summer felt much simpler and sweeter. 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Plus, Quince has curated a collection of everything from home to travel. You'll find everything you need to be comfortable, to everyday essentials to ensure you're completely outfitted for the season and those to come. I've tried their cotton tees, they're so comfortable, they look great, they're amazing. Make your summer wardrobe easier. Go to quince.com/mom for free shipping on your order and 365-day returns. Now available in Canada too, that's q-u-i-n-c-e.com/mom for free shipping and 365-day returns. Quince.com/mom. So what's the answer? Do you just roll over? Do you just roll over and give up? Like, that can't be it. We're in a society where we make, the vast majority of the outcomes in our lives depend from the choices that we make. You can come from really hard backgrounds, some people are going to have that harder time getting up if you grow in pure Povertyville heroin, you know, boonies in the Appalachians or something. But for the vast majority of us, the outcomes of our lives is still dependent on the choices we make, and even on that grocery spending thing, because I know we saw bad statistics these past few weeks. few years with inflation and you know coffee went up like crazy for a little bit eggs went up like crazy for a little bit they weren't really inflation driven they're more market things with like uh bird flu happening and a big drought in brazil for the coffee beans but either way with all that tracked by the federal reserve as a percentage of income that it cost to fulfill a standard grocery budget in this country it is cheaper now than it was 100 years ago when people were living the best american dream right when we all look back at the white picket fences everyone could get a house single income you know so like everything you're 100 right in the cost of housing buying a house today crazy it is crazy crazy it is crazy that like you used to i mean you used to but like i don't know that that middle income housing opportunity that existed in like let's say the 80s or something feels like erased like the houses that are available that are supposed to be accessible to someone they're just priced out it's insane when you look at housing prices yeah for the median income in this country the median housing price would require 50 of their income that's crazy it's it's impossible that's not a livable no stat but you also don't need to own and i do get on um on the internet for saying this where i say you don't need to own i think owning is great i've pushed back on owning a little because people are super wealthy finance people are always saying that online yes they're like rent you don't need to own it you don't need to rent you should rent and you know yeah that it's like then the owner is dealt has to deal with any issues and you can leave whenever and like they always try to advise people to rent it's very standard in the personal finance community but more than anything right now rent is like half of a mortgage if you get in a mortgage so let's just like forget the landlord thing forget the investing in the market versus owning a house just forget that with where interest rates are in housing prices versus income right now rent is substantially cheaper so i think owning would but a lot of people and i've had it on my show they get into a house that really stretches their budget but even more alarming they get in without an emergency fund and what happens when you own a house your roof something happens to your roof uh any kind of utility something like that and immediately you're just you're done just screwed yeah so you don't have to rush into getting a house i think getting a house is good but it's also it's unaffordable for many people yeah but i also i try to look at the good side when we talk about the bad side gen c says they're never going to buy a house right so i'm not going to buy a house i'm not going to buy a house i'm not going to buy a house right that's what we see i mean a quarter a quarter of them already do they already do 25 of gen c owns a home like that's pretty good you know it's a bummer is a lot of them stop drinking you've read that stat yeah stop drinking yeah it's fucking lame and they're not having sex fucking they're the lamos that's the lamo generation yeah you're not boozing up and fucking yeah what are you doing man it's actually gonna be bad for us i'm not gonna lie like i know it's a joke but it's actually gonna be bad for us yeah we're not gonna have little drunk kids walking yes we need them the little drunk kids you know what i mean battle china all right let's look at this um here i got i didn't even play the opening clip you have to watch the opening clip okay okay here you go man hey retard from the middle east don't call back because your word is you're not going to if somebody cuts this video i'm gonna beat the fuck out somebody around here who is randy don't bring anyone loving to this that's the intro to the show this is the intro to the show yeah oh yeah okay yeah yeah it just you know sets the table okay yeah it's artistic it's nice yeah i don't know who that you know that guy never met him okay so we sit here we just sit here oh okay you can dance if you want people sometimes a little too white a little too white huh to dance black sign up my dna blackies so wait is that from my show yeah yeah yeah yeah that that was that was a crazy show yeah yeah that was a crazy show crazy moment what's the moment um i told her so we had an interaction pre-show where i was like you're the whitest couple i've ever met i just walked in tried to break the ice you're the whitest couple uh and they're like well we'd rather be white than black and i'm like okay then we started filming yeah we started filming and they were going on a cruise and i think any reasonable person doesn't want to go on a carnival cruise these days uh-huh uh it's just you know a little bit of a mess those videos on tiktok so i was like i doubt you guys are going on carnival and she's like yeah fuck those black ies don't clip me but that's what she said so fucked Really? Yeah, unprompted, nothing. Yeah. Nothing. And what's crazy is I actually kind of liked her by the end of the episode, but that was a crazy moment. That was a crazy moment. Did you tell her, like, what the fuck? No, I brought in my black employee to the set. You know, he gave her some of the Carnival Cruise treatment. He did? Yeah. He started dancing and doing the dip and all that shit? Yeah, shaking ass on camera. Okay, cool. Man, they really have a good time on those cruises, though. Yes, it would be great if I fit in there. I would love it. Oh, my God. You get on a black cruise, it's a fun time. Uh-huh. Yeah. You never been on one? That's not mine. Dude, they fucking really do it up. The party never ends. Okay. Yeah. I mean, you got to go. Did you ever go to Atlanta? No. Oh, so you don't really like them? No, I love them. Oh, okay. They're just, like, they're fun. Yeah, no, of course, of course, of course. Yeah. That's why I would never say that. You would never say F the. No. I mean, I'd. Blackies? Yeah. Yeah. Yeah. Yeah, man. That's a wild thing to say on the internet for that lady. We've had a lot of N-words recently. Not. On the show? Not them. Oh, right. You're not saying a bunch of N-words are showing up? Okay, okay. People have started dropping the hard R. I don't know why. On the show? Yes, I don't know why. We've done a few of these. Hold on. Hold on. Hold on. So you're sitting there being like, all right, so your checking account is really overdrawn, and they're like, N-word? Yeah. How is that? What's the context in which they're saying this? The first one to really break the seal on that was a couple weeks ago. And I don't know how we got on the topic, but he was like, people are afraid to say what needs to be said these days. And I was like, what needs to be said? And I was like, wait, pause. So I brought in my black employee. And that's what he said. He said it when you brought in your employer. Yeah, he waited for him. He just was like, that word needs to be said? He says someone needs to say it. People need to say it these days. Yeah. All right. I did call his boss and get him fired. You got him fired for that? I got him fired. Wow. Usually I actually care for the people that come on the show, but I wanted him fired for that. So that's wild. Yeah. That is crazy, man. And so how did your employee, because I'm kind of fat, how did your employee react when the guy goes, this needs to be said and he says it? Oh, he loves it for content. He does? Yeah, he's a content creator. And what was the guy's like, I don't want to, but like what kind of work was he doing? Walmart. Ah. Nigga. Okay. That makes sense. I ain't going out like that. All right. Well, that is pretty fucking nuts, man. Yeah. And you've had other hard R's. You've had other hard R's on the show? Absolutely. And are they saying, they're not saying it like this needs to be said. They're just like saying it in conversation. Yeah. Another guy was more quoting what his dad used to be called. His dad used to be called that? Yeah. Okay. Yeah. And I don't know if we've had other hard R's. So we had the blackie thing, two hard R's and then lots of, and then the other ones are like Jewish things recently. Oh, a bunch of Jew drops. Well, that's a, well, like, you know, Jew 9-11 drops. Jew 9-11. All right. I don't know what it has to do with their documents, but they love to bring it up. That's a thing too, man. Yeah. What is this one? Sorry. I am a fucking Jew. Different, you know, we try to give them all, try to have them all. We started in Hebrew. You heard it. I did. Yeah. It's confusing. Are you Jewish? Not. Okay. People think I am. I get it too. Yeah. Yeah. How do you feel about it? I'd be okay with it. Okay. I'd like it. More conspiracies about me, but they already call me Jewish online, so. Oh, they do? I guess to me, I am. Because you're giving financial advice? And the perm. The perm. And the last name Hammer, I guess, is very Jewish. In like LA, they say like every lawyer, like if they hear a hammer, they think he's a Jewish lawyer. Got you. Fuck yeah, man. So you're bringing out the best of the best on the show. That's wild. That's wild, dude. Yeah. Fucking okay. So now you got more things to look for when you do a deep dive on financial audit. Yeah. It's not just financial information. No, the first half is getting to know them. Right. And if you get to know them, sometimes they're a racist. Oh, right. Or anti-Semitic. It's crazy, I mean, that somebody doesn't try to mask that on the show. You know? No, the crazy part is we give them every opportunity to mask it. Yeah. We try to get them to not say it. We try to tell them before we film what they don't want to talk about. Wow. So if I catch them cheating, Mm-hmm. They would usually, tell us before the episode that they don't want me to catch them cheating. Gotcha. Because then we'll respect it. But if they don't, then I'm going to catch them cheating. And then it's on. Then it's on. I'm still amazed that a guy was like, I want to say this to this guy's face. That's wild. Yes. We're going to do a charity boxing match with my black employee and the N-word guy. Do you want to give the black employee a name? Tyler. Okay. Yeah. Mine's Enny, so I just figured we should name him. Yeah. He's right in there. Hey, Enny. Black employee. What's going on, brother? My black employee. I'll 2v2 with the other one. Okay. Dude. I think we can all agree that online shopping has gotten dangerously easy, especially when you get to check out and see that purple shop pay button that already has all your information locked and loaded. You can say thanks to Shopify for that. Shopify is the platform behind millions of businesses around the world and 10% of all e-commerce in the world. In the U.S. from household names and brands like ours here at YMH. 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So the staff here is fantastic, including the black employee, and they submitted some financial questions. Okay. I thought it'd be fun to, I don't even know what's in here. I'm ready. But let's just see like what they're asking. I used my whole paycheck betting on Australian women's tennis and lost. I guess. That's the question. That's not really a question. It's a statement. But I guess we should probably tell him that's a poor idea. I'm guessing this is a man. It's not good. Yeah. Annie, is that you? It is not me, but I mean, I've done similar things. Yeah. There's a lot of gambling. Like gambling has gotten really popular. Yeah. Do you feel like it's okay as long as it's like a small percentage of what you have? No, I think it's okay if it's not addicting. Yeah. If people don't like ruin their lives with it. Same thing with porn, weed, drinking, whatever, anything like that. Watch a little porn, smoke a little weed, bet 50 bucks and then move on with your life. Yes. Yeah. Okay. Financial advice officially. Fair. Fair. I kept all my money, life savings in my checking account up until last year. I'm 24. Okay. I guess we could probably figure out who that is, but I guess last year was rough. Like what do you, like when somebody runs into a financial burden, a moment, an emergency, as long as they have it. If they have something like that's, that's why you saved up for it. Yes, exactly. And then you got to, but you got to get back to it. You got to keep saving again, right? Yeah. I was pulling up some data the other day, just trying to figure out where everyone is now. I'm going to try to stay in tune with that. And 40% of Americans don't even have $400 saved. Yeah. That's scary. What's more scary is nearly 70% of Americans had an emergency last year, averaging a thousand to $2,000. So if you just do the math, they don't have 40% of them just like couldn't even come close. Yeah. - Wild. - That's terrifying to me. yeah it's crazy that our system's like built on that too i don't know how we haven't fallen through the cracks how do you look at your own and like when you you get income from podcasting from uh your other streams of revenue comes in do you do a monthly thing where you're like this goes here this goes like is that how you approach it in terms of how my i pay myself yeah well just how you diversify what goes where like do you go like this is going to savings this is investments this is oh well honestly at this point like everything goes to investment luckily i mean you know i mean we have a lot going on so the money's really good so it's just the vast majority can just be invested yeah and i give that to my finance guys at this point because it's way too complicated but do you work with top tier finance people yes yes absolutely yeah i don't want to mess around at this point it's there's too much at stake yeah the number's too big so um nice flex dude i love it yeah i mean you know the finance people are the best people i've ever met in my and yeah so most of it goes to investing i'm renovating a house right now so a little bit's going to that but it's not too crazy here in austin yeah and um you were you how long have you do you have a big ambitious financial goal i bet you do right i have a number what's your number okay so i've hit my first goal was five million i was exciting for a net worth or liquid cash uh net worth but the vast majority is liquid anyway uh hit that a couple years ago then i wanted to get to 20 when we got there i think 30 is like that's like my stretch stretch goal and that's what my financial advisors have me too they're like set that make that the goal yeah if 30 is in the stock market you don't even there's like you don't have to worry about anything unless you're in like the private jet class yeah like buying a private jet class yeah yeah then you really don't have to worry about anything it's like oh it's a million dollars conservatively every year for the rest of your life operating costs yeah which is incredible yeah that's um that's fantastic and how old are you 31 that's incredible man like that's really amazing yeah it's been fun i mean that's like also i think uh should inspire somebody especially a younger person to be like that's possible absolutely i mean it was just four years on youtube now so it's pretty good i mean you gotta do there's a lot of things that go into you know like like our we have a place like this too we got 10 000 square feet here in austin so we have a lot of different shows we kind of have our own network going on we have on our monthly membership we have a lot of different shows we have almost 120 000 paying members at 10 000 hours a month for our our network of shows so that's huge there's the budgeting app that you mentioned at the beginning yes uh so there's there's lots of different pieces of the pie we're trying to build something large and sustainable yeah so yeah i've been rewarded a lot for that but what's really cool i love we have 40 people now that's like my obsession i love being able to build this organization with all these different people where we all get to like make shit together it's so much fun you guys have a good uh culture at where you work i think so you know there's always a couple people that sneak their way in and yeah try to get them out but it happens it does now i frequently use clarna to finance uber eats orders that i'm not actually against really if you're if you're doing the paying for and you're tracking your money okay that's fine okay when you do the paying for because you can't afford it then it's bad because you're paying for in that then you're paying for something else and eventually it just gets to the point where your new weekly payment that you're on is just as much as the initial purchase itself that you couldn't afford because you're stacking paying for did you educate yourself on how to you know to be so aware of and be able to give financial like was it all self-education yeah mostly i mean like i said dude um i was fucked so i just had to learn everything i could and when it gets to the point where i'm like i'm not gonna be able to do it i'm not gonna like i'm not gonna be able to do it i'm not gonna be able to do it i'm not gonna be able to do it i'm not gonna to the nitty-gritty of personal finance just that basic responsibility it's all honestly so simple it's just budgeting like spending less than you make it that's just it's really it right basic foundation so um and once you have that under control i mean then you can focus on the nitty gritty learn about each product like clarna's and stuff thing that scares me about clarna people don't do the paying for anymore though they do the actual financing through clarna which is at a 36 interest rate jesus christ yes that's what's bad that's what's scary i still pay pal i'll pay in four today we just went over my number i do pretty well but i don't know it's just like there's a part of my brain that's still like oh man i can and i can invest this extra money right now instead of paying for this thing all the way so because there's no interest you're paying for it's fine yeah but most people just abuse it and then they fall down that cycle and then they're paying for just stacking like crazy that's nuts um do you do you recommend that people your average person work on type of professional when it comes to financial advice accounting etc i don't think you need to for the average person i think when once stuff starts getting complicated it can be worth it but for average person as long as you just budget 50 30 20 classic have you heard of 50 30 20 no i've not heard of 50 so that's just like a basic budgeting guideline that it doesn't work everywhere like new york or la but 50 on needs 30 on wants 20 on savings okay so very easy you're spending a lot of your money on fun but instead of working with a personal finance person low cost index fund something that follows the general like s&p 500 that's good do you spread around your market stuff a lot like do you is it very like diversified it's pretty diversified definitely since i'm pretty young it's more aggressive especially in like america the american tech companies uh that's definitely heavy focus there because i have time on my side you do have time to weather out the you know the hard things i mean i would probably have more conservative if i was if i was older if i was like 55 or something i would probably be a little more bonds focused but uh yeah we got some international in there got a little bit of crypto got a little bit of gold got a little bit of everything so but definitely like full usa american stocks i have a theory when it comes to like people who invest it's that if you are if you have like a household i mean you said yours was not very like financially adept but i think if you're around the the markets and when you're young then when you start making money you gravitate towards that and that people that come from like real estate households they gravitate towards that because most people i know working people that have investments it is like there's like hard splits like my real estate friends are like so real estate heavy yes and then my stock market friends are very much into that and like for me because i grew up in a household that was talked about the market it's where i feel more comfortable and i've been talked out of almost every real estate possibility that i've ever considered you own a house yes but i'm talking about as like extra yeah extras i have come to kind of a conclusion on my on my side when i think about for the average american yeah like uh at the beginning i said you know maybe renting makes more sense but i think actually for the average american if you can get in a house now i'm starting to think most should because the average american is retarded and they're not going to be able to parted so wait you most should what get a house get a okay because again they struggle they spend everything so the entire thing of not buying a house is so you take that extra money that you get from renting right now and put it in the stock market that will make more money than housing appreciation but the average american saving rate is like two percent last year are they really going to invest the rest no so force them to ride appreciation in the stock market because they will are in the housing market because they will blow the money instead of investing it in the stock market yeah so buy a house and it's like being your hand holding all along the way for the next 30 years you are forced there you're not going to get out you might take a home equity loan if you're really stupid you might sell it but hopefully if you make a profit but at that point you're at least getting forced savings because americans are too stupid to not just blow the money yeah it's like but i think with like finance is what happens is that people people just think that it's it's too complicated and not like when you go this too common it's not for me then you just go like i don't want you just don't even want to know yeah you know and that's why i it sounds probably peculiar but that's what i i think of the the parallel to nutrition is that when you start talking like grams of protein and like macros you gotta people just a lot of people just go all right just give me something to eat you know they don't want to take the time to actually hear the information and realize that it is you you can figure this out it's it's not as complicated as you can get in very granular on things you know you can talk about financially talk about like shorting stocks and things people are like what the they don't understand what you're saying but it's like you don't have to go to that level no and most should anyway yeah exactly but i just think that well that's a big advantage i think to a show like yours is that you're talking about things in a way that's very accessible you know talking about spend less than you make is a very accessible idea yeah you know and like i think when people start watching a show like that it makes them consider what they're doing too yeah for sure and that's the point of the show uh you mentioned a criticism at the beginning of people like oh you know you don't get how expensive things are well one of the more criticisms that i've heard is that you know you don't get how expensive things are actually get is you're not qualified first of all there's no degree in like personal finance budgeting that's not that's not a a degree you can get uh different certifications and take tests and whatever and a lot of different things you can be an accountant you can be an investment advisor all that different stuff but for what we do there is no certification it's so simple people don't realize i don't know why there is such an obsession with thinking it's so it's just so easy you spend less than you make that's it do you have a success story from the show not in terms of like i know you've had people on who do very well yes and that's like fun to see the the difference of like oh i'm doing this well but do you have you ever had someone where they came on they're a mess and then you follow up and they're like got their shit together constantly it's every day and in our in that membership that people subscribe to we do two updates a week with previous guests and the vast majority i'd say 80 of the time they're positive updates that's great yeah i mean the show's a mess the show's chaotic it's fun springer energy and we love that yeah but oftentimes you know it's a wake-up call they reflect on it and then they're actually they're afraid of being embarrassed on the follow-up they want to get their shit together so hopefully it's a part of the education they get afterwards hopefully it's a part of the show but i bet a big part of it is they want to show that they actually did it and they don't want to be embarrassed coming back on i bet you also have people that refuse to do follow-ups right some but it has it's most because people were such big fans of the show before they came on and they didn't want to be embarrassed coming back on and our onboarding is so thorough people aren't really too upset afterwards i saw a lady that was on that she was a fucking disaster dude um she what she used to work in some type of nursing and then she's like i haven't worked a while she had like every fucking ptsd type of trauma she was a fucking mess i do not remember this episode but listening to you describe it as annoying me yeah yeah it was annoying to watch her yeah like the thing sometimes you watch the show and you're like this fucking person needs to get hit in the head with a hammer like no i think she was the one from seattle or portland this i think yeah was she indian no oh fuck i can see we get lots yeah no you get lots you get some crazies man um speaking though you're saying like of accounting um i don't know if you know mike fidelity i'll just here play this for you this this is out there too for people you know i'm mike fidelity from fidelity and associates we're here in south beach to provide income tax and irs services to high net worth athletes and entertainers who have many serious irs problems if you do dm me and we'll get you out of all your problems you know so there's people out there for everyone to give financial advice and accounting and especially about irs problems that's a serious thing too you got to pay your taxes man yeah it is we have a lot of people not paying their taxes on the show that's crazy it absolutely blows my mind and what really pisses me off is they're also the people that are getting like food assistance and stuff so they're not paying into the system and then they get full taken out it is crazy i've worked with people too who like that time of year comes up and then i'll be like you know something casual casually said and they'll be like they'll say something where i'm like well are you know are you ready for that or something and they're like no i've never done that and i'm like you've never done what and they're like pay taxes i'm like you've never paid your taxes and they're like no there's no consequences for them either i'm like what are you talking about and they're like never paid any taxes i'm like you have to and they're like no you don't i don't yeah like okay no honestly if you don't make enough money the irs is if you're not staffed enough so so like there's a there's a threshold for that i don't know if there's a threshold but most people just fly under the radar do they really i'm not aware of this yeah everyone that's come on our show um they haven't had i think we've actually had one person the irs was actually like kind of attacking them other than that so many people are like yeah i haven't filed in four years i didn't know that nothing really nothing happens no and now that i'm making a decent amount of money i just got a letter in the mail i guess when we first started off in 2022 i didn't do something perfectly you know when i was making a little bit of money from this youtube thing didn't do anything perfectly and now they're like hounding in the mail about that year yeah i'm like i don't even know what the fuck happened like i don't even know just because i'm starting to make money now where people on the show which the irs would be thanking me for because i'm giving them free people to go get yeah they're facing no consequences that's really yeah well it makes sense they're like we'll pay attention to whoever's making money yeah yeah because that makes us money so yeah which i'm happy to make up for the mistake but it's just like damn yeah they're they're pretty aggressive man they're pretty aggressive this is what i made today bro it's an accountant dude all of this while you're playing monsters and aliens in your mother's basement i was doing tax returns for cash money two of them were credit cards but most of these were cash this is around 11 000 okay and this was about four or five tax returns and then here we got another who's paying their cpa in cash i mean it's miami dude you know around 6 000 and i got some 20s in here too check it out check it out huh i made around 17 000 today on a sunday part-time after i walked and ran what did you do today my little brother how much money did you make i'm about money oh that's what i'm about have a good day yeah i mean i guess both of our shows have it happened okay he gives all kinds of advice so it's not just about accounting you know move her around from behind so that the pussy grips your dick and that's the way it feels good you gotta do that man and that's that's a brooklyn rap bro that is a brooklyn motherfucking rap you know i mean do you ever give pussy advice on the show the brooklyn rap is just taking her from behind and move her around you gotta move her around yeah so he grips the dick i think i think that's what he's saying to do i like hitting it from behind you get the pussy to grab you better when you're going from behind you know what i mean so i like to do that from behind it doesn't matter what about you do you like it from behind i am a behind guy you are okay are you gonna take mike fidelli's not only accounting advice but his brooklyn rap advice and move it around so that it grips the dick better i am yeah see see you guys give all kinds of advice that's good advice yeah you know oh that's it okay face is not withdrawn it's not like sunken in but your jawline is stronger like your jawline is stronger and you know a bitch is like that they like a they like a nigga with a strong strong jawline man crazy right okay wow fuck dude i don't even know okay are you thinking about the jawline it is then that's the south miami play that's the south miami play yeah mewing and the brooklyn rap don't forget about that yeah yeah it's all of it man um let's see there's um there's you're a sales guy yes i mean so here's the sales pitch hold on a second i'm really tight first time i had sex his cock was big and ripped me open but like crazy i couldn't walk for weeks so when i'm with a guy and they're constipated can't have sex with him i'm really tight first time i had sex his cock was big and ripped me open but like crazy i said i'll just give you head and when i give them head i lick and rub their balls i get the best head they've ever had in their entire life that's at a gas station in victorville it's toothless though yeah could be good you don't know you don't know you don't know i know it's good you know it's good yeah it's experienced yeah yeah there's all kinds of stuff um people aren't like you give advice online there's all types of advice being given out things to do to make extra money affiliate marketing blogs try either one learn on youtube how to do them make extra you followed him i want to follow him he'll teach me how to double my net worth this guy puts up videos every day that are like this okay they usually get cut off and there are a few seconds and he sounds like he's in a late stage of emphysema and it's fucking fantastic he also gives soccer updates yeah they're all out there you should have him on the show i bet that'd be fucking amazing i'm open sir could you please head up caleb to be on financial audit i would love to watch that calebhammer.com slash apply fuck yeah dude um let's see i have something else to show you oh we often play a game it's not related to finance where i just show you a clip and you tell me where you whether you think it's horrible or hilarious okay so i'm going to play you a few clips and just react however you would normally react that seems fun but you let go late no you laugh oh it's funny okay one of the few what no sometimes people are just like just sad when they watch these you know they do the internet oh he broke his leg hahaha it's fun i don't speak that language yeah it's good yeah that was portuguese oh shit i wonder if that'll land on her head what's your bet yes i hope so yeah that guy for sure let's see um she was knocked out fuck yeah that's pretty crazy that was pretty good you like that one why would these be horrible see he's a perfect match to dude way to go guys he's fucking bombing down street is that before he gives the blog and finance advice in his car i think so i think so yes learn how to market on youtube the thing is the scream is so great that's what always gets me is when someone's screaming in agony yeah i really that's what makes me laugh the most you know he's okay he's fine dude he's totally fine um let's see he was he was okay he just had some scrapes yeah he's fine way to go sir you're totally fine do you have general advice that you expect well i guess the 50 30 20 is kind of a good one that's good yeah and this and then quite simply spend less than you earn yeah i mean that's a good one uh the show takes you in different directions i know i like to go this is very weird i love it no this is great okay um yeah pay off your high interest debt first yeah your high interest debt first save up a fully funded emergency fund six months that you need to live yeah and then you can start living your 50 30 20 where you can start having fun again because you saved up for an emergency and you paid off all your bad debt and at that point you're hopefully just riding the compound growth that comes in the marketplace with you if you're older yeah you gotta maybe do like 50 25 25 25 to invest 25 for fun gotta play some ketchup a lot of people are playing ketchup in america anyway i mean people take so long they say oh you know i'm young i'm in my 30s or i'm in my 20s this is when i want to live yeah yeah yeah you know i want you to live there but that's usually also when you have like the highest amount of student loans you don't really have any assets yet and you're also in the best decade of your life to invest in the stock market because you get that incredible returns that that that bell curve you want to be investing as early as you can because you want time on your side do you have as a you're a young guy you're 31 you're obviously done phenomenally well do you have indulgences that i'm saying you know cost money um i mean the house renovation is a little bit i bought a new house that's like pretty conservative okay um so i have a uh flying phobia you have a flying phobia yes you don't fly uh i'm we're working on it we're working on it so i did recently but to get over it i wanted to have more control so i rented a private jet ah you chartered that was that was a splurge that's a very big splurge yeah it wasn't a far wasn't far because i didn't even need to go anywhere what size aircraft so tiny it was so tiny it was six seats i think it was the same plane that crashed in austin texas or on the way to austin texas like a week ago if you saw that oh yeah some ceo in austin died i think on that private jet was that a net jets flight yes yeah yeah so we i just did a super quick san antonio back from austin so it's practically nothing but i just wanted to get on the plane again because i haven't been on in like a decade at that point what's the cause you think of your flying phobia um did you have a bad experience no uh i really like to be on the plane because in control you want to know something kind of interesting give it to me statistically speaking you're much safer in a commercial airliner than you are in a private i'm not afraid of dying i i don't care about the crash i don't care about turbulence i don't like being stuck in a situation that i just can't like leave like i don't know why it just it freaks me the fuck out how could you leave the charter i could be like yeah i gotta have like diarrhea let's land you know go to the nearest airport right but i can't do that with delta oh oh so you just want to be able to be i guess just having that like and not that you're not afraid of crashing and dying no you're just afraid of what is it like the do you like not like crowds and like the whole airport i'm good with crowds airport experience i'm good with it's literally being on the airplane and not being able to say i need to change something yeah because it's like okay i guess if i had a traumatic experience i'd like um like panic attacks are super scary have you had one terrifying experience and i'm afraid like if i have one and i can't like do something that's like scary so if like you're stuck there yeah you're stuck there for a few hours yeah it's like going back up to michigan my home state like that's two and a half hours i'm stuck in that situation for a while so that part's scaring me so you have not flown in how long well but before that uh like 10 years 10 years yeah just road tripping so so that obviously means you don't travel internationally no but the 10 years ago was international though so would you do that again or no yeah i want to do that again i don't want to and i that's why i met with a specialist and that's what we're working on you're really working on that yes so i'll be doing a commercial flight gonna do like the world cup uh semifinals in dallas that'll be fun you're gonna fly to dallas yes as a why that seems when you could drive to though yeah but i mean i want to get on a commercial airline get that you're gonna get on the commercial yeah how do you feel about helicopters uh dude i don't know everyone's dying in helicopters right now yeah yeah i don't really want to do that i put my family on a helicopter the other day um okay but i don't want to do that i don't want to do that i don't want to do that i don't want them to die either but i just didn't want to go yeah yeah you put them on a chopper i did yeah a nice big safe one nope but they're good okay they were safe how long was there it was literally smaller than this set that we're in right now yeah like a little r22 or something man i don't know it was a tour helicopter in austin oh okay they took a tour yeah it was really cool they loved it but i don't know the news people are dying in these helicopters yeah yeah they do they do die i don't want to yeah no i um i just ran into a pilot um we're talking about flying because i took some helicopter flying lessons and he was like oh he learned where he found out that i had trained at this school and he was like you know i used to train at that school and i was like oh i didn't even know that you were a pilot and we were talking and he was like i said you still go up he goes no i gave up flying entirely and i go why and he goes because i just kept running into other pilots who were like oh you know who died this guy you know this guy it was just like that people that he knew were all dying helicopters are not worth it i don't know it's so fun okay i'll go if you if you take me flying i'll go really if you you'll go i'll heavily consider if you pilot co-pilot yeah okay i'll heavily consider okay will you please set that up fuck me okay that's getting a lot more real then yeah i was when i was saying that that reminds me of daddy reesey to all you freaky bitches out there come close daddy reesey want to ask you something do you want daddy reesey's calm leaking all out of your little tight rump he's a regular on the show he puts out content and we just try to feature him whenever he put drop something new okay that's great yeah he drives a truck he makes good money he makes great money and he's um he's not cheap he'll take you out he'll buy you dinner you know he's not cheap he's not but he'll buy you dinner he'll i'm saying if you're a lady and you want to go to dinner he'll buy you dinner that's nice yeah and that's what i want to see you like it up at dinner yeah that face yeah he's pretty cool man he's a really cool guy um are you aware of um fancy chef dog food some might say it is okay but he's a chef that we've had on the show okay chefs sometimes you know can make crazy money when they do like privates or they open multiple restaurants so this is fancy chef going to the he tried to go to the mayor's to just like stampede into the mayor's office in i think in new york yo excuse me yo yo what are you doing here today i'm going to see the may i got to talk to the may it's a hunger crisis in new york i got to go talk to him can you just leave me alone i don't want to be bothered right now take off please how are you sir oh hey how you doing sir hey how you doing sir oh hey how you doing sir how you doing how can i help you i got to talk to the mayor okay guess what i got to talk to him i got the recipe to handle this and solve it i would like to get him on financial audit too yes because he's got he's got a crazy quote for private dining i want to know like if it's really coming in does it have the hard r in it he can say it he he does say the a version okay but he's um yeah he's he's he's harlem's finest chef okay yeah it's really incredible and mondown is not supporting him i don't think so i don't think he is actually and that's a real bummer it's not very pro-dei are you do you get politically involved i mean i talk about things i mean i don't go too in like the social but like economics yeah economics yes yeah what do you feel like um what's our status here in austin currently as a as a financially speaking as a city yeah um the debt per resident on in austin isn't great it's in the thousands the what the debt per resident that the city it's nothing like New York. New York's fucked. But I mean, you know, they tried to raise taxes. Everyone in Austin voted no. Me too, because property tax is already insane in Austin, which is good. So then they were forced to actually cut the budget and find reasonable places to cut, which was interesting that they were able to make those adult decisions once we said no. But I like Austin. Austin's in Texas. We just, Texas is pretty socialist when it comes to these property taxes. That's not what I'm liking because they do this big recapture. We pay property taxes to the city of Austin, but Texas comes in and takes a massive percentage of it and gives it to other school districts. So you have these rural towns, not that they don't deserve good things, but they're building these college level football stadiums with property taxes paid for in Austin. It's crazy. I hate that shit. A big part of me wants to actually, I've been in Austin for eight years and I kind of want to go experience, like Miami life. To move there? I want to move my studio to Miami. No shit. Yeah. I think it'd be fun. Better for guests flying in because the Austin airport is shit. And another zero state income tax state? And the property taxes are better. Would you maintain an Austin residence if you did that, you think? Yeah, because dollar wise is here. We got to make sure we still have everyone here. And Texas is a little better for business taxes. I forget what it's called. It's Florida. They actually do have like a corporate overall tax, which isn't great, but it's still better than the vast majority of the country. Would you be like Caleb on the beach, like Miami beach? Yeah. I'd be with our boy. No shit. You'd be with Mike Fidelity. Yeah. You guys could do a show together. Yes. Dude, that'd be fucking wild. Yeah. We can audit people together and we'll see which advice pans out in the end. Yeah. Well, he'd be like, you don't have to pay that fucking shit. Yeah. Anyway, when you're fingering a girl, start with your middle finger. Yeah. It'd be pretty cool to get all that advice. Yeah. But in general, I think Austin's good. So you might move to Miami. Maybe. I have another two and a half years in our office. So after two and a half years, maybe. Oh, so it's something like down the line. Yeah. But I'm going to have to prep for it over the next year because everything goes so quick. These days it's kind of crazy. But yeah, I'll have to prep for it. We were heavily considering moving to New York for a bit just because, I mean, it's really hot in Miami and in Austin. And I love the walkability that comes with places like that. It's the best. Like Chicago. I used to go to Chicago all the time because my home state of Michigan was really close to it. And I just love the lifestyle there, too. Yeah. In the city. Yeah. In the proper city. Exactly. But it just didn't make sense with like the random guest on our show. You never know who's going to freak out in the end and use their legal system as like a loophole to sue the show. Yeah. Which wouldn't happen down here or in Florida. The taxes are fucking crazy. Yeah. The mayor, like, I mean, I don't hate him as a person, but I mean, he's done some weird, like personal things like standing outside of people's residence. I mean, like a rich person lives here. We're going to tax them more. And that's like, fuck, like, OK, they already view me as pretty right wing, which I'm not even. But they do. And if I was there and he's very Internet plugged in, I don't want anything weird to happen. Yeah. Yeah. So I don't know. Unfortunately, it's not it wouldn't have made or break New York. But I mean, I would have brought tax revenue. I would have brought at least 20 jobs with me. Yeah. Well, 10 jobs with me and hired another 10 there. But yeah, I guess it doesn't really matter to them. Interesting, man. Speaking of New York. Hey, Niagara Falls. Who the fuck fell? This motherfucker ain't talking about no damn waterfalls. He talking about niggas tripping over their own feet. I heard what he said. You did, too. Come on. That was right on line with this episode. Hey, Niagara Falls. Where is this episode? On the hard hard scale, right in the middle, right in the middle of the average. OK. Hey, Niagara Falls. Yeah, I mean, it's I don't know. I would have enunciated that differently. Hey, Niagara Falls. Yeah. All right. Oh, man. Where does it fall on the financial audit? It's light recently. It's light recently. Yeah, it grows. Holy shit. Let's see what else the staff. They're saying. I don't know what they're saying. I haven't looked at my bank account balance in two weeks. Is that bad? No. I mean, unless you're like really bad with money. Yeah. Should be OK. Right. I mean, if you're if you're leaving like a couple hundred bucks in there. Yeah. You're probably fucked. Yeah. And overdrafted. But I think it's OK. It's OK. You got smart people here. OK. Something. Yeah. Yeah. OK. This is says I. Twenty four female have been paying two hundred and forty dollars a month for six months for a luxury gym membership. I've only used twice because I got injured elsewhere when I tried to cancel. I realized I'm locked into a twelve month twelve month contract. Yeah. You fucked up, girl. Yeah. I don't know. That's it. Right. That's kind of it. Right. Like if you're in the contract, it's kind of hard to break it to forty a month. She signed us. Yeah. Equinox. Right. That's what it costs. Like a month. It's brutal. Really? Yeah. I mean, my girl got it, too. I'm not going. No. Not as much as I should. What do you want? Do you want to get serious about your fitness? I'd love to. I don't know. I'm what's crazy is I actually get really good activity. My activity score on the Aura Apple Watch. Great. It's food. Play a lot of football. I eat like shit. Yeah. Not football. Pickleball. But yeah. No, I eat like shit because I work so long. And then at the end of the day, I'm just like done. Like, it's interesting. I was able to cut out going out to eat and everything when it came to budgeting. But the moment it came to health, like for some reason, it just goes. Yeah. It's the hardest thing. Yeah. Right. I struggle with the same thing. Always fucking like trying to not be a pig. Sorry, my life. I was propositioned to be in a fin dom relationship. He never sent me money, I think, because I wasn't mean enough. Any advice on how to be a better fin dom? OK. Financial domination for those that are not aware is when a woman basically, I think, insults a man and is like, send me money, you fucking loser. And the guy gets off. And this person's not mean enough. Yeah. So one of the women employees here is not mean enough. To be in a fin dom relationship. OK. OK. Advice to just start. We've already learned the hard R pull some weight here. Yeah. There's a good way you could pull that out to start. Yeah. Dude, I would get so rock hard if a woman just kept dropping the N-word on me. I'd be like, what do you want? You ever sling the R? No. Me either. No. Today? Oh. All right. Never? Mm-mm. Thought it. You've thought it. When? Jerking off. Hell yeah, dude. Yeah. You ever have your girl whisper it to you? We'll try that later. Oh, dude. You do the fucking Brooklyn rap and have her say it, you will blow a massive load. I promise. In 2020, I committed around $29,000 worth of mail fraud. Fuck yeah. Anything to do there? Not really, right? Like, if they didn't catch you. They don't know about it. No. How do you feel about skirting this when people do little things that aren't like major crimes, but they get away with some financial benefit? I don't like it when they try to justify it. You just like, you just say what it is. Yeah. Yeah. And when they try to defend it like crazy, like they're in the moral right and all that. You're like, no, you broke the law. Yeah. That's what annoys me. Yeah. That makes sense. Do you get that a lot on the show? Yeah. Lots of people who think, well, I mean, we had a guy who we haven't uploaded yet, but he's stolen a lot of things. He won't pay his taxes and he's fully justified it with. It supports his business. So. Oh, so therefore it's okay. Therefore it's okay. Cause he used to employ people before he fired them also. Yeah. That's not really, it didn't work for me. No. Like just say what it is. Yeah. Yeah. Yeah. He was stealing trucks and things. I think. Really? I think he was stealing something. He was breaking into things and stealing things for the sake of his business. I mean, it kind of like, it's like when somebody goes, um, if, if you are struggling enough, would you steal to feed your family? And everyone's like, yeah. Yeah. Of course. But also you stole, right? Like you just, you can just be like, yeah, I did it for this, but like, and also just get on food stamps, food stamps, man. Are they still around? Yes. No, we got people on food stamps endlessly on my show. Really? Endlessly. But of course they're on food stamps, which means they don't meet an income threshold, which I think in Texas is like, a single mom of two with two kids is like $3,500 a month. If you make under that, you get food stamps and oftentimes it's their choice, not making that much money though. And that's, what's crazy. I think it really sucks if someone gets laid off, let's help them. Let's help the fuck out of them. Yeah. But when I have someone who comes on the show and they're like, well, I'm just trying to build my own business. I'm like, okay, so we're literally supporting you, subsidizing you trying to create your business. Yeah. Like, I guess what I should have done when creating this thing, instead of working two jobs at once, I should have just stopped at the society support me. So I could try this thing. yeah but don't you think that just comes down to like there's never gonna be um there's you're never gonna convert somebody with that mindset to being like a driven winner yeah absolutely but of course they're the one trying to build a business and we're supporting them so what is there to do in the end i don't know yeah so hopefully fix the system but yeah i'm not that guy um do you believe in doing anything to like if you're struggling to to get by and one of the housing we talked about is a big deal right and if you don't have the access to pay for the house that you need or the rent that you need get roommates yeah just do whatever in order to like get by right well you need a roof over your house yeah without like an address to mail it's hard to get on benefits it's hard to get a job so you need an address start there's group homes it's not it's really not good there's group homes where you like a woman could live with like five other women ten other women it's not great but there are so many options that people aren't willing to do as a last resort that's what really sucks is people will justify the fuck out of getting a two-bedroom apartment for them when it's fifty percent of their income when we find on zillow or apartments.com whatever we find a studio apartment in that same area that is like uh sixty percent of the cost on a monthly basis but they just won't do it because they feel it's beneath them or i've wore i worked my ass off in college to get this job so i can finally live on my own i deserve the two so they spend too much yeah yeah and what you should do is be just doing whatever it takes to not spend as much including offering yourself up black guys would love the fuck out of it if you don't have the money to pay for it if you don't have the money to pay for it if you're a hot black guy you want to fuck me at twenty three ninety five if you want to move in you can move in but you gotta fuck me i don't need i need to be fucked a lot man get free food free rent and everything else man here's a deal man you know i want your take on something i was having a debate with my friends the other day who do you think gives the best blowjobs between out of any group any group of people just curious your take i haven't had many from guys i haven't had many from guys so it's hard to say like if they're the best but just oh your your your brain can get a little gay before your body though right so like like what would you think i would think that like a guy that's been chugging cock for years i think it's black men that's the hell i'm dying on that they give the best blowjobs i think so i think it's a sassy fat black man wow cuz i mean no one really wants to get with a fat woman but we know fat women give the best head cuz might be the last one they ever see wow but yeah think about it with a man you got you got the thick lips big black dude sassy i feel like that has to be the sassiness plays a role in the bj i think so that you get the motion in the sass okay so that's what i personally think i don't know if i'm willing to test it myself that's what i think and that you're saying that the men for sure you're saying are ahead of the system they just know the parts better yes of course hmm and have you had anybody weigh in on this like who has experienced this some people are just so afraid to think of a fat black sassy man sucking their dick but what about there's somebody out there maybe who are watching this show that'll tell you thank you whether or not that's true or not and you get to come in their beard yeah that's cool do you think they'd let you though i feel like they're taking it somebody with a beard might i have a beard i've never thought of that shit it's good to get your take on that though there's nobody gay here no fuck how's a pretty gay voice though yeah yeah we're overdue for one though yeah well let's put it out there and this is a great thing well i mean you won't be here for the feet but when this is a community is there like a do you find a certain group gives the best head that's that's really interesting it's important science and then from women do you think there's a um a class of woman that gives the best the higher the class of obesity the better unless we get immobile immobiles are i feel like a little less motion there oh so that's where it starts you know oh going to go down again so like a a physically challenged person yeah so on the chart there's a threshold oh you thought about this a lot of course the fatter the woman the better it gets until you're immobile then it starts going off the cliff wow so like a skinny hot chick no good no i mean that's what you want right but is it what your body craves right no they want a fat woman yeah slobbering like it's a meal dude what do you think in the booth yeah i think this checks out i think i think gay man for sure but the the fat black those are all good takes any i already said in the past we do everything better so i'm sure we do that better too wow shit man cougar i mean these are all straight facts it sounds like man like everyone's supporting your idea of course that's a hot science yeah that's a hot take spend less than you make 50 30 20 and get a fat black sassy man to suck your dick also get the dollar wise app and watch a financial audit on youtube those are all the plugs i'm trying the brooklyn wraparound later dude try the brooklyn brooklyn rap and uh do do your accounting in cash only that's that's the best advice i can give thank you so much for coming on the show this was super fun and um yeah i hope we get to i'm going to take you out on a helicopter fuck yep it's happening thanks for watching thanks for listening we'll see you next time welcome to lucifer's lair i'll guess you all know my jitters by now i'll guess i'm gonna come over and fuck the shit out of me i'll guess i'm gonna clamp some of the nipples man let's get down with brass tacks whoa whoa whoa whoa whoa whoa whoa whoa let's get down with brass tacks let's get down with brass tacks let's get down with brass tacks get fucked views and abuse and come over and fuck the shit of me get fucked views and abuse get off oh yeah fuck the shit of me You're a beautiful player. I'll get some. Get fucked you son of a bitch. Get off. Oh yeah. Let's get down with brass tacks. Get off. Oh yeah. Come over and fuck the shit out of me. Smack me around. Open my legs. Open my legs. No hold bars. No hold bars. Say that or bye daddy. Whip this fuck home in. Get off. Oh yeah. Oh yeah. Oh yeah. Oh yeah. Oh yeah. Oh yeah. Oh yeah. Oh yeah. Oh yeah. I'm not giving up. I am selling the building. The final season of FX is the Bear. The restaurant is flooded. Everything's either going to be okay. No stop. Or not. We are outgunned and we are outmanned. But we have each other. FX is the Bear. The final season. All episodes now streaming on Disney+.