I Finally Snapped | Financial Audit

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And the government has a role to play in, because they like- People do slightly and they're a fascist. I've seen families, like, torn apart. Oh, don't performative cry. No one gives a f***er empathize with your fake cry. Like, having your needs met so that you can dream? I'm sorry, not everywhere is going to thrive. No, everyone's going to thrive. That's not possible. Are you sure they're the extremists? That seems like a more extremist position. You're one of those people I'm already reading. They disagree with 1% of the things they're a fascist. No, answer the f***er question, or I am ending this podcast. Answer the f***er question. Dalai, this is finally here, sending waves to the personal finance world. This is officially now the best bushing app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months for the annual plan at an insane discount. And most people sign up for the annual version because this saves a lot of money. And you get my detailed 30-day meal plan signed by me, mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dalai's The Start Your Free Trial. Go to Dalai's.com or click the link below. - I'm Doomsday. I am 25. I'm from South Dakota. And this is Financial Outlet. (singing) - You've never seen Disney Channel? - That was Disney. - Well, I don't know if the Mickey Mouse will be thrilled to be-- - That's right. - That is a weird fake name, but we give you a weird fake name because you chose for yourself in your real life a weird fake name. - Chosen for me, but-- - Your parents named you that? - My chosen family did. - Would you choose to be a family? - Whoa, what's that? - In the queer community, you don't always get to maintain your most close relatives, your blood relatives, so you, like, do you think builds miss you? - No, no. - Well, sounds like you maintain them. - I do not speak with my parents. - You chose, they did not choose. - Their decisions have made our relationship what it is today. - What did they choose? - They chose extremism over their child. - Okay, it says the blue hair, it's got it, okay. Which usually qualifies towards more extreme people. Usually, what's their extremism? - Their extremes are just not very minority inclusive despite what they might say. Their actions, say otherwise. - What's their actions that are so extreme? They kill minorities? - They're not helping them. - Well, not helping's extreme. Well, what's helping? - We've had extended conversations about what politics looks like in the world and when would they discuss it? The things that they say or choose not to say are pretty detrimental, yeah. - That doesn't sound like extremism. You know what the word extremism means? - Yes. - What do they do that's extreme? (laughs) - There was once upon a time when Kamala came out with-- - Kamala, thank you. - You're gonna get canceled for that. - She was talking about how our current president wanted to have generals more like dictators of old. - Okay. - And I asked my parents what they felt about that and they said they needed the context and I said under what context is it okay to like want-- - Maybe they wanted to understand if he was doing his classic grifting or if he was being an actual dictator which would be bad but we know if you follow politics which I assume you do, he is a rifting guy and you take like, but grain assault with pretty much everything, including saying peace is close and around which I think you would agree with. - And also like threatening to nukes them an entire population. - Exactly, which wouldn't be great. - That's a pretty extreme action. - But I think it's-- - That's pretty extreme action. - Which we haven't done. So I would say an extreme action is not done. - We did bomb the bridge, yeah. - A bridge? Yeah, that never happens in war. So, okay. - Are you pro-war? - A pro-war, I think. Well, like your parents would say, context matters. Pro-war, I mean that depends on what's happening. Are we defending ourselves? What are we pro-war overall? - Are we defending ourselves in Iran? - Iran, am I pro-Aran war? It's obviously the country. - Well, you're saying that bridges get burned if that's what you were freaking out about, a bridge. Like I'm like, okay, a bridge, I'm okay. - Whoa. - I'm more concerned about hypotheticals and blowing up a bridge. - We're gonna call out something bad. How about the school? I mean, I think that was a little less fortunate. - That one too. - A bridge? Don't really care. But your parents saying they need more context isn't an extreme position. Asking to understand what was being said, why and how is not extremism? So you cut them off? - Well, there's not a context. - Yes, there actually is. There's context in everything that's ever said. Because that's always important. There's context in this conversation. There's context that I'm getting on you not being involved with your family. The reason I asked that is 'cause I was like, oh, you have a little bit of a weird name. Yeah, your family. And you have a weird name. So I got context of why you had a weird name is 'cause your family was like, oh shit. - Well, that's horrible. - Because my chosen family, you might chosen family gave it to me. - Okay, your friends. And the thing is, I got context around, oh shit. The ladies queer, why would they dishonor? That's horrible, that's bad. They shouldn't have dishonor. Oh, wait, they didn't, she did, she did. So I got the context around that. So, okay, then I learned more from that context that you disowned them. So that's why context is important. - Yeah. - Maybe they would need context. It sounds like they don't agree with you politically and that's fine. That's not an inherently bad thing. But requesting context is not a form of extremism. Now. - Would this be a good time to mention that? - Now, because I'm gonna continue speaking. - Are they them? - Sure, yeah, if I remember that, I will try my best. Out of courtesy and respect for you as an individual, it is very difficult sometimes to just remember in the heat of a conversation, right? But I will try my best. Especially, well, okay, they, them, yes, very good. If it's the name, the, okay. No, no, I respect pronouns. I just, it's hard to remember. - You know, that is one, that was like the breaking point for me and my parents as you're asking about my parents. - Well, that makes more sense. You brought up the, here's the thing. I wanna finish my point. If, no, no, no, no, I wanna finish my point. If they said yes, I want generals that act like full-on dictators and I would shake your hand and say yes, that exists extremists, that's bad. But they asked for more context around a quote that you chose to bring up. 'Cause who even, I actually do not remember that quote. Maybe you are taking it on a context. Maybe you're not. But them asking for a little understanding of the context around it is not an inherently extremist position. If they agreed with it on the faced value of those words that would be extremists. I don't think you know what extremists means. And it is dangerous that you use that because there are actual extremists in this world that are doing bad things. So they disagree to the problem. - If I ever had a child, they would allow said child to be in the room with the president if it was an opportunity for them. - I mean, any president, that would be really cool. - No, I do not want to share a space with the sex offender. 34 counts. - Okay. - Well, I mean, I would just meet the executive of the president of the United States of America regardless who it is. I'd love to meet Obama, Biden, Trump. Yeah, why not? - No, I don't want to meet a sex offender. - Okay, have you met any before? No, Inley? - Not knowingly. - Okay, I mean, that's fine. I don't think you're invited. - Is that a choice you have been actively given? - Again, I've just, my, that's why-- - I don't understand what that has to do. They would meet the president of the United States that's not very controversial. I don't agree with everything Trump does. I didn't agree with everything Biden does. I would happily meet them out of the respect for the office of the president of the United States. - So my parents just don't get to be in my life as an adult. - Because they would meet the president of the United States if they were asked to meet the president of the United States. - Are you sure they're the extremists? That seems like a more extremist position, where if someone, you're one of those people I'm already reading, if they disagree with 1% of things, they're a fascist. You saying no would have been the proper response, you not responding is actually quite staggering. I have a feeling you're actually the extremist. - I believe that we, there are solutions that are-- - Final solutions? - No, I believe that there are solutions that we could implement in our society. - The world is a mess. The world is as angry as it gets. that could improve people's quality of life. - That'd be good, what's one? - Oh my goodness, so we could certainly provide things like toothbrushes and toothpaste to people for not a charge, because in-- - Well, that's nice, but at pretty much, wait, wait, wait, listen, there are rural communities that gets difficult, but-- - Yeah, I've actually visited those rural communities. - Wow, you went to a farm. - Well, I've been to lots of states. I've been traveling-- - She's well traveled, nice and privileged, that's great. So, but what I was gonna say is in most communities, they're, I mean, just like, you can go toothbrushes and toothpaste is a very common thing to give at pantries and whatnot. - Yeah, it is, but it's something that we're doing as people-- - So it's the government's gonna fund it. That's your proposition that's gonna fix society. - There's lots of things that the government could provide to its people that it's not doing. - But about something a little more substantial to a phone or internet service. - Yep, phone. - Oh, why, how are they providing an internet? - Well, they-- - Of phones, they can-- - Absolutely have the infrastructure to do so. They could build light rails. There's so much that our government could do-- - Light rails, have you seen, they have an act, in fact, to not be able to build light rails, actually? That's kind of one of the things-- - There's one that's-- - Not light rail, high speed rail in California, specifically, but-- - But-- - Light rail here in Austin, Texas. - That one. - What? - So Elon Musk was supposed to be part of that build for the light rail and-- - It was mostly been environmental protection laws. - That have prevented it? - Yes, environmental protections, all the different services that have had to take place have delayed building it substantial. - Well, there's good reason for regulation, I'm sure. Yeah. - Oh. - Regulation is what protects our water, you know? Like data centers are not-- There's like regulations that people are trying to get around for data centers so that-- - You can talk right now. - Profit. - What? - That was just nonsense. That was just-- You just took like four talking points and bashed them together. What were you actually trying to say there about data centers? Data centers. - Data centers are being built far too quickly and trying to support regulation and not asking for the community's consent. - I think that's actually one of the big things 'cause communities have been showing up in mass. - Yes, and successfully getting memorandums. - Yeah, which will be damaging to those communities in their tax base, absolutely. As we know, in Northern Virginia, many communities where most of the data centers are and big data center collections, like more old school data centers, it pays for 50% of the property taxes, meaning brand new schools, lower property taxes for homeowners and renters. It's been very beneficial. - But they reduced the quality of life for the people. - Well, in that community, if I'm not mistaken, it's about 15% of the data centers. Maybe 25% are in residential areas. The other 75% are not, which means it does not reduce the quality of life for the people. - But that's the important of regulations and also getting a community input is exciting. - Okay, well 75% of the majority are not in community areas, so how's that impacting their quality of life? - Well, they get to use their phone. The free phones you want to use, the internet. - Yeah, they need data centers. - There's a lot that our government could be doing to-- - Oh, what's your concern with data centers? 'Cause there's a lot of misinformation going around. It's a concern. - Water quality, sound quality. - What about water quality? - Sound, that's in the residential areas, which I don't think a lot of people want a factory. - Well, I've actually been to a council meeting where they were talking about-- - That's crazy. They happen everywhere. Good for you. Listen, I don't think they want to change the rules of how they want to measure the sound, so it's actually about the pitch that it's at rather than the decibel, so. - Well, I'm sure both play a big quality, but the reality is, I don't think I want a car manufacturing plant behind my house. I don't think I want oil being drilled behind my house. I don't think I want a car buying-- - I would like a library. - I wouldn't want a library. - Because most would access to a property value. - 'Cause most would access to a property value. 'Cause most would access to a property value. - 'Add Carrera Subway Tile to my Shopping List.' - 'I ain't doing it.' - 'What do you do for a job? Do you have a job?' - 'Cause it really doesn't sound like-- - 'Cause it really doesn't sound like-- - 'I work in finance.' - 'Doing what?' - 'I do corporate finance for stadiums and arenas.' - 'Like, take a master?' - 'Not take a master.' - 'But we do work with take a master.' - 'Yeah, okay. So you're one of the actual evil capitalists. - 'By day of villain, by night of hero.' - 'Trying to prevent modern infrastructure. That's weird. That's being a hero. - 'No, going to concentration camps.' - 'Yeah, I actually just got back from Delaney.' - 'What? - 'I just got back from Delaney Hall.' - 'Where's that?' - 'That's a New Jersey.' - 'There's a concentration camp in New Jersey.' - 'And many other states as well. Yeah. There are detention centers. - 'Constitutions?' - 'Yep. There are barbed wire and awful living conditions and maggots in the food and abusing the people in there. No due process. That's a concentration camp.' - 'Okay.' - 'And so people are rightfully outraged and are out there to demoralize the people who are going into those.' - 'I asked her what her job was, by the way.' - 'I said finance. And you asked if I was a bad capitalist.' - 'I was just talking about concentration camps.' - 'You're a socialist?' - 'Yes.' 'Okay, you know socialism has never worked.' 'Well, socialism are your favorite for. Here we go. Get ready.' - 'I believe that.' - 'Take a system.' - 'A system?' - 'Take a system in the world that you're in favor of.' - 'Well.' - 'That you would rather bear a system.' - 'I just don't want it to be capitalism.' - 'Nor do I want it to be.' - 'Take a system that has worked that you like and would like to replicate here.' - 'Capitalism.' - 'Take a system, please. That has been proven to work in any country, anywhere.' - 'We.' - 'That is better than our system, please.' - 'Capitalism.' - 'Yeah, please. Find.' - 'Does not.' - 'Okay, that's great. I hear. That's wonderful. Now, pick a system that has worked anywhere. Better than here. That you would rather have.' - 'Well, that's.' - 'I'm waiting for it. Your definition of 'better' is like, no, valuing.' - 'I don't give a fuck about my definition. Your definition. I'm asking you to choose. Don't cater to my definition.' - 'And I'm choosing socialism.' - 'No, no. Yeah, but pick it. Pick another country that has worked.' - 'And unfortunately, we are an imperialist.' - 'Oh, I never applied real socialism about you.' - 'Perealism is hurting those socialist countries.' - 'They hurt the USSR.' - 'It's hurting.' - 'They imperialists.' - 'And Venezuela.' Yeah, the blockades that we're doing for the oil production dramatically fell after the state took control of Venezuela and it hurt their economy dramatically well before our embargo. You might be right about Cuba, but no, Venezuela did it themselves before we embargoed. Timeline-wise, so you're just wrong. They had a slush fund coming in when it was collecting taxes from the private enterprise. - 'What I'm not wrong about is the fact that.' - 'So what system, please?' - Capitalism. - 'Okay, okay, I just asked where the job was.' - The draw. - Here we go. Please, pick a system. One place. One place that according to your values, you would rather do. - New York. - That's not socialist. That's the most capitalist place in the world. - But Mamdani is out there doing socials. - He's democratic socialists. - Yeah. - He still believes in capitalism. You know that, right? - It starts somewhere. - No, no, no, no. No, no, no, no. That is still capitalist. All his policies are funded on the tax revenue generated by capitalism. That's capitalism. That is not. - Taxes. - Workers-based socialism. Taxes come from the capitalist state. Still. So no, that is not socialist. But if that's what you'd like to see, then don't call yourself a socialist, 'cause that's not socialist. That's still capitalism. That's more Scandinavian. That's European, which is still funded on capitalist systems. I was hoping you were going to say something like, Sweden or the UK, I was hoping you were going to say something like that, which are still objectively capitalist countries. Not socialist by any means of the imagination. They have some more social programs all funded all funded by the success of capitalism all funded by the marketplace and the wages So what how did you do more social programs? How many social programs you have to do before it's socialist? You're talking about social programs. Socialists is a completely different economic structure though, right where the worker has their Relationships the means of production state run, but yes State run that wouldn't really create much. You know what happened in the USSR with all the land most arable land almost in the world compare Besides the United States and I think Ukraine. Well, they had import all their wheat Best majority of the week. It doesn't work. It doesn't create the outcome. People need to eat and it doesn't work You know it's actually more important. Are we feeding people under capitalism? Yes. Have you seen our poor people? They're fat Yes The poor people in the United States have to take ol' Zempek. Okay, but is it because the cost of chips is more than minimum wage? Chips. You think that's what's necessary for a sustained lifestyle. I think that it's one of the cheapest things You can get from the gas station gas station should we be doing our grocery shopping from the gas station? I think it's gotten some pretty bad advice if we're talking about meal prepping well You would know a thing at two about meal prepping. Yes, I have a meal prep. I don't belong at a kitchen Okay Really fighting the patriarchy on that one, aren't you? Brave Brave woman. So they whatever, you know You know what I mean? Okay, so are you able to speak on anything or is it just performative baseball shit? Because here's the reality There's the reality in the end. We are having food deserts and hospital deserts and we're having those because it is not As profitable to have groceries and hospitals out there, but there is intrinsic value in Supporting your community. Okay, so how would we come back? How would we come back a food desert in your mind? What is the actual outcome state-run grocery source? Okay, and those have always worked very well anywhere done I mean state grocery stores really impact people's lives when they're in food deserts. Yeah, okay Where have they been done successfully Kansas state-run grocery source. Yes. Okay. That actually Kansas is the model for New York Listen if it works time down for I'm only K. Oh, okay with things that work a lot of mutual aid But they still have a large homeless population your proposal first outcome last outcomes are all that matter I don't care if you sound like the moral good guy moral masterbater Performative person when it comes to the yes, I'm sure you masturbate when it comes to the policies that you're proposing Okay, that's all that matters to you is sounding good looking good on the front end not the outcomes in the end possible We have the possibility. I know it's functionally possible We have the highest disposable income anywhere else in the world. That is the money you have incredibly large military budget Okay, I don't know what that has to do with the disposable income This is this is what's so hard talking to people like you because you you had nothing to do with the point I just said you just went somewhere else. Yes, we have a high military budget What is it 15 20% of our federal budget social programs are 50% so what do you want why are we cutting it? I don't think it's going to go below 50% it's still substantially high We're cutting our mandatory spending. You know, it's actually going to be cut social security by 2032 You'll have social security, but only what's coming in you know, why because we refuse to invest the social security fund in the 90s into The capital that we have in the United States the most capitalist thing we have the stock market It would have returned an average of 10% a year and it would still be a massive slush fund But instead people like you decided it was too risky and we put it in low-yield treasuries and now it's gonna be depleted by 2032 Because of freaks like you that don't understand anything about basic economics. Yes Yes, I'm gonna be real with you. 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What do you think this is this isn't have you ever gone without your phone? Yeah, how long? It was a couple weeks in college Okay, well that wasn't very fun. How long ago was college because if you weren't using MFA then then Huh we're using multi-factor authentication in college No, maybe I can remember use MFA now, so did you can get a cheap Android for like a hundred bucks at boost mobile What are you clamoring about right now? You're freaking out. You're you're you're acting like a victim of nothing well, I'm Showing that you know, I you know the poor people you're freaking out about the poor people you're freaking out about I've looked at their budgets You know how much people could be benefiting themselves if they actually had any semblance of personal responsibility What are you 25? You know your generations Goes out to eat multiple times a week and one of those is typically a generation doesn't believe we can own houses and Kind of can because Gen Z 25% actually own a house millennials 50% was statistics. That's crazy. Yeah, you're You actually don't know anything that's actually happening. You just want everyone to be a victim and then you accomplish nothing in your life However, how I'm out here, you know, you can just look things up asking people personally How much are you getting anecdotal information? You know, you can actually look things up and listen to studies that happen Absolutely, you know we have the highest disposable income in the entire world You know, we have the highest disposable income in the entire world. You know what capitalism has done ever since has been implemented across the world Mostly in general the poverty in the world has dramatically gone down hunger in the world has dramatically gone down Yes, are you serious? Have you not seen those charts? Have you not seen the data? You know as a percentage of our income That goes to our grocery budget is better than any other history and human existence Yes, you can scrunch your forehead all you want before you get Botox But yes, that is true. That is a fact that is reality. There's only three categories that have gone up Do you know what they are? It's a percentage for income. What are they? Open ears. Sorry, can you repeat the question? You know the three only three categories in our lives that have gone up as a percentage of our income No, I'll tell you schooling why student loans because we allowed people to borrow for school Colleges used to be free exactly until we allowed student loans. So of course every time we raised the cap on student loans college used to be free Free free free is free So she has no rebuttal great. Okay. So the government got involved that can be free again No, no it can't at this point. No, it can't why not because we've allowed colleges to raise the price of their tuition because of the amount We allow people to borrow so they've built these campuses with Lays you rivers around them like it's crazy. It's all built on the sports team center of each school And these they have a sports team music program all that shit doesn't need to happen But we allow people to borrow infinite amount money. So that's one. I don't have any Second one what no cost of housing. Why? Housing has just gone up every wow. What a nuance take you're incredible They're they're performative. They're all performative. They have absolutely no real solution to anything It's mostly due to permitting. I tried. I've called before I called you've called people Well, I've called the bank. I called the bank and I tried to like find out, you know I miss if I'm interested in If I'm interested in buying a house, what do I have to do? And they told me that I would have to go to like alone. Why does the cost of housing gone up? most reasons Zoning in this country environmental policies which again, I will agree with you that they're not all bad But when they prevent housing in California by years You know in Texas go to all red republican taxes We've outpaced California in solar production battery production and wind power because we actually allow people to build inside of California It's like like you, it's all performative. But then the environmental regulations have gotten in the way, and it's impossible to build anything. Zones, environmental-- - It's just like the community has to say. - No, no, 'cause you know environmental protections, oftentimes when you use to prevent building are used by developers in housing organizations each of ways that don't want new housing because it impacts their value. They use the legal system, created through those environmental policies, to prevent housing, not actually protect the environment. And it's zoning, single family zoning, forever. Red, Texas, red, Florida, are building housing 'cause they enacted NINB policy, more liberal policies on allowing smaller lots, getting rid of parking minimums, and actually allowing developers to build with the market demands, or an L.A., you can't. You cannot build that in progressive L.A. - What about rent? - What about rent? Rent goes down in places like Austin, Texas, where we built up, rent actually went down. You'll never see that in San Francisco. You know, permitting fell in half 50% the moment San Francisco enacted rent control, performative policy, that has never worked to once in any human existence tested city, ever. Not one time. Places in Minnesota, very progressive in Minnesota, enacted rent control. They immediately got rid of it years later. Same with Massachusetts, they got rid of it, they outlawed it because it decreases permitting immediately because it decreases places being built, which makes rent go up. For the lucky few that get in generation run control, congratulations, they've 98% of people. That's why housing is gone expensive, are zoning. Guess what, people buy housing in Japan, but the values never go up, they actually expect to sell it for less because they have incredible zoning where people, they have these five layers of zoning that always require some kind of commercial integration where people can build up, the market can build what the people demand, what capitalism demands. So one of two, we went through one of two students, housing, where the government has gotten involved and made it harder to do things. People do abuse legal systems to prevent housing being built to allow their land value to go up. You don't understand the actual outcomes of the things you ask for, it's all moral masturbation on the front and nothing on the back end. - I've seen families, like, torn apart. - Oh, don't performative crime. No one gives a f***er empathize with your fake crime. That is sad. A family being torn apart is sad, but I'm sorry, if you made the choice to do something illegal. - I think that we should repurpose ICE so that instead of tearing families apart, their job would be to meet people where they're at and help them get the paperwork they need. - So brave, so brave, there you go. You'll one tick tock, you got the Reddit award, your community's just supported you and you just got your moral masturbatory pin. So proud of you. Okay, is there a real conversation? - Because they want to, like, actually support you. - No, it's because what you're supporting is something that's not gonna happen. - We have to think of real things. - Real things aren't thinking about the people. - No, I actually do because I care about the outcome. - You're thinking about the system. You care about the system. - No, because I think about the outcome and the outcome is the only thing that actually impacts people in the real world, not what you say on tick tock. - I don't have a tick tock. - Now what you saying, Reddit? Uh-huh, no you did. That's the reality. That's all that impacts people's lives in the end. Not what a politician says on stage. What happens if the actual outcome? The real thing at the end of the f***er pipeline that no one tracks in the end. People get elected based on what they say. They don't get elected based on outcomes. You're a, what they say person, not an outcome person. I care about capitalism because I care about the outcome, the outcome in the United States. - I care about the intrinsic value of communities. - You all into pondering like cinemas and make bleeds and say your lawyers, yeah, yeah, okay, okay. - Because I've seen the community suffering. - Oh, you think anecdotal things. Equate for the entire billions of people in the planet. That's not how statistics work, lady. Sorry, I keep doing that. I really am not trying to do that. Here's an example again, disposable income. 17% went to groceries and food in 1960. Today, 9.7%, 9.7% of a budget going to food. That is incredible. That is a blessing. That is living better than kings did. Yes. Scrunch your head all you want. - The middle class American today lives better than kings. - What a CEO makes in the average frontline worker. - She has a talking point prepared. That doesn't matter as long as people are doing well. What is the actual consequence? - Well, it's a matter of people are doing well. These people have to have multiple jobs in order to sustain a lifestyle. - Some people, not the median American. Not the median American. Some people, yes. - The median American relying on minimum wage. - Well, percent of the American population is relying on federal minimum wage. - I don't know. - Because you don't know anything. - And in the end, anyone who's making the minimum wage. - It's just knowing facts about our country. - But I've met people across the country. - No, it doesn't matter who you've met, lady. That's not what changes statistics. You need to disconnect from that. Your anecdotal collection of bullshit is not the real world. It isn't. - I'm trying to meet people around. - What percent do you think makes the federal minimum wage in the United States? - I know that. - What percent? No answer the question. - Or I am ending this podcast. Answer the question. - I don't know. - Answer what you think. - 30%. - It's less than 1%. You know nothing. - Well, wages is make less than that. - It's still less. Oh my goodness, yes. But after-tip income. It's less than 1%. You know nothing. Your outrage, your performative. Your virtue signaling moron. You have prepared talking points and you know nothing about the real world. Can't believe you got in me to go down this rabbit hole when I really just ask what your job was. Oh my goodness. Percentage of food less than 10% is an incredible statistic that we should celebrate. A middle class American lives better than kings in the Middle Ages with plumbing, with food, with air conditioning, with housing, with getting cleaners. - Should we go back to the feudal times? - No. - Okay. - Sorry, actually that was food. That was food. That was actually going out to eat that statistic I pulled. 10%. It's less going out to eat today. - Wait, it's going out to eat and not even grocery. - Yeah, you know what grocery is? 'Cause I have that prepared. It was 13.7. Now it's less than 5%. - 5%. You know nothing. Infants, today, health, the third category was health cost by the way. Governments heavily involved. Has dramatically infant mortality rate fallen dramatically from 99.9 per 1,000 births, practically 10%. To 5.6 per 1,000, 5.6. How much are diapers? - Oh my goodness. So you don't respond to a point I have. You don't respond to a point I have. You're talking about baby. - You just bring up a thing you're ready to go into. - I do care about the prices. I've been filming them for three years. I've been watching inflation for three years. - Okay, great. Yeah, prices are diapers. Yes, the cost of raising a child isn't great. That doesn't mean things are of heartily bad everywhere. I mean, chips are more than the minimum wage. - Wrong again, idiot. - Chips are not needed to survive. - No, but they are. - The minimum wage is less than 1% of the workforce in the United States. That's a broken statistic that you just brought up. - If you only have $10 for a meal that day. - That's a broken statistic though. - But why would you have less than $10 for a meal that day? If you're working minimum wage, that doesn't even make sense. - Well, if you're working minimum wage. - Less than 1%. - That's $7.25 an hour, $750 an hour. And so if you buy a bag of chips for $7.99, that's a whole hour of your labor. - By the way, 63% of Americans own homes, which is better than like I ever before. - As the Gen Zier, I could probably never go to four at a home, especially. - That's a lie. - Well, my bank hates me. - Oh, your bank hates you. Your bank hates you, let's see. Okay, minimum percent spent on bullshows about 25%. Take that, put it in a low cost index fund, let it run for 10 years. Congratulations. You have it on hand. - Well, make it bullshit. - Shut the fuck off. It's things that aren't necessary for your life. Going out to eat miscellaneous dumbass shit. We're gonna go through your budget and you'll see it. But like always, you would rather be a victim than actually take any kind of personal responsibility for anything in your life. - Well, I am responsible for my finances. However, I don't control the cost of gas. - Yeah, that's bad. That's an outcome of a war we probably shouldn't have done. - Agreed. Congratulations, we can shake hands on that. Capitalism has made almost everything better. More access to food than ever before. More access to resources, medical care than ever before. And by the way, yes, yes. Get set, go to the emergency room. It's fine. - Be in financial debt, go homeless. - Do you know the impact, the medical debt? It's almost enough. - I don't have insurance. - Brother, the impact on medical debt, there's almost a reason why we don't allow people to medical debt on the show. It's because it almost has no impact on people's lives. - Then why are they sending bills to babies? - And guess what? If they don't pay it, almost nothing will happen. That is the actual reality. If they don't pay it, almost no consequence. - Is that our financial advice? Don't pay. - For medical debt, I mean, I would rather pay 'cause like if you're looking to get a car, something that could be a little impacting. But other than that, it is the least impactful debt. And going through bankruptcy is honestly, almost not even a hassle. - So it's something that you just declare? - I declare bankruptcy. - Wonderful. Which by the way, she was crying about how we need to get everyone a phone or percentage of Americans own a phone. Smart phone, sorry, I should say smartphone specifically. - 80. - It is 98%. But I guess we need to get everyone that. So internet. What about that the one that the government has to pay for what usage in the United States who has access to the internet? It's not about having access. It's about providing these things so that the providing so people are already getting them, but what percent 70% 99 You don't know what you're talking about your performance. I know that these are things that could improve people's lives That's all I need to know well good news. They have 99% have it so and they would be happier if it was free No, they wouldn't because it would not be as good if it was free They wouldn't be competing to it would it would provide that It was free in Austin, Texas AT&T spectrum and Google fiber wouldn't be competing to make lower cost higher speed fiber We wouldn't have that because it would just be one provider and they would have no need to make it better ever I'm happy that capitalism has produced higher speed internet No counterpoint wonderful and that's usually what I expect from people like you having your needs met so that you can Dream what sacrifices have you done actual sacrifices because here's the reality with people like you Your activism has cost you nothing Nothing Awareness is the cheapest version of morality Everyone's aware you've sacrificed Everyone's aware we were just talking about the Laney Hall Right right across the street is the next game people filling up the street awareness of every single little detail Not necessarily but awareness of the world around them your morality is cheap You've sacrificed nothing ever. You're a poster Out here trying to help people no, you're a slogan capture or you're a talking point person not an outcomes oriented person No, you're not you want to feel good and be lifted up by your community I want to help communities build Learn how communities are doing it in rural areas versus really populous areas and learn how we Can bring what's working in certain cities to serenities that need that community building? That's what I'm out here doing yet you couldn't come on anything I brought up well I'm not a single thing on what these people are experiencing because I have capitalism has improved people's lives Well, they're not they're not nobody. I've spoken to is Sorry guys, sorry the few dozen people she's talking to in her life It actually has an impact. I've been doing this for three years. Wow three years. What about the 300 million Americans? Did you talk to every single one of them? No, who the maybe we should just go off a data? What the fuck are you my goodness? I want to see people's lives improve and The government has a role to play in you killed your parents because they asked for more context people They like a family and they're a fascist people who support fascists ideals are fascists. Yes. Okay. So what's fascist? Fascism is when you suppress the descent. That's it. That's that's hold on the entire economic and political structure of Fascism a massive ideology there's enacted in multiple countries across the world. It's entire basis is suppressing people There's many facets of it. Please subscribe fascism. I'd like you to describe the economic structure of fascism for me, please Fascism is when we silence the scent Well, okay copy and paste response. Let's try to get a second one in there You know, they do that under communism aggressively and socialism, but continue please Mm-hmm. She does good fascism is also when you a press a group Minorities press me basically just use the same talking point. Do you actually have anything that you can actually describe what fascism really is Well, fascism is what define fascism. What is the economic and political structure of fascism? Fascism is private profit or private prisons and actually probably wouldn't be I'll be honest under the economic structure Imagine setting your makeup then forgetting it's even theirs Meet new grippy setting mist from Mavily New York. Gel to mist technology locks in your look for up to 24 hours with flexible all-day comfy grip No tightness. No stickiness. No residue. Just plump, dewey hydrated skin that still feels like your skin Try new grippy setting mist from Mavily New York. Maybe it's Mabling For fascism. It's much closer to socialism than it is capitalism in every measured way Now there are private enterprises, but the people running them and the people working for them are placed there by the state You have to be loyalists to the state and the state is determining Usually the economic trend of what is being worked on in the economy It is much closer to a socialist economic structure in political structure than capitalism by far Free market doesn't exist in socialism. There is no In fascism. There is no free market. It's not about private person. No, it would be likely a public prison and the person is gonna be who's in the prison Whatever they decide the laws are under that country It was different under Nazi Germany as it was under Spain as it was under Italy That's not what defines fascism You know nothing you use buzzwords and you know no actual reality I know that reality is that we are suffering and there's gotta be an alternative What you got the tic tac a word again that is that that means nothing Suffering has gotten down substantially under capitalism. It is by every numeric fact in the world Including this the capitalism of Europe A very capitalist economy whose social programs are funded by capitalism Norway sovereign wealth fund one of the best in the world through oil extraction selling on the private marketplace capitalism You know nothing capitalism allows people to die. Yeah, no one ever died under communism. It's not profitable Did anyone ever die under communism? Under capitalism great good response Oh go ahead get your point um under capitalism people uh People are not prioritized as much as profits are And so you're you let people die and you're your toss letting someone die Well, if you go to the emergency room, they're not letting you die and anyone can go to the emergency room including an illegal immigrant What are you talking about and then they die from medical debt? No, no Have you seen the show dude the bankruptcy laws in this country compared it anywhere else There's some of the most lax liberal Incredible to get out of any bad situation ever. I don't know about bankruptcy. You don't know about anything That's the point if you don't know about bankruptcy then don't comment on medical debt Well, my masturbation's next you know say anything for praise online Is less impactful to the real people than real outcomes That's what you should take away from anything and know what the fuck you're talking about I'm not a hundred percent educated on everything, but at least know something of what you're talking about Because this was pathetic I know that people you know that you had a couple conversations Do those people's Input not matter all that matters is the actual outcome in the end which you can measure by collecting statistics across the board The outcomes for any what is the average income uh the median income in the United States I believe 65,000 hours. I don't eat that and so many more people that I've talked to don't eat that Well median means not everyone do you know what median is you just ask for median yet Well, I ask for average. Okay. Well, median's more important. Why would you do average was the most skewed by wealthy people I average is a bad Capture well, but average goes to show you don't make that because you chose your career path Did you choose your career path? Did you make that choice? Did you choose what to study? Yes. Well, that was your fault What why are you blaming America For choosing what you said you're not the median of the income. That was your choice. Yes No, I my education consequences of your choice. Yes, pathetic worm. I got my degree in teaching. Yeah. Yes, you chose that What's the point you're trying to make then that you don't make the median before we keep going quick word from today's sponsor If you run a business you already know the AI conversation is getting exhausting every five seconds It's like you say you're done Cool, but if your systems are a mess and nothing talks to each other AI is not saving you. 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Well, they're gonna force you to use it his way That's not very personal finances rocket money that you got a lot of commercials But they're owned by rocket mortgage guess what they want to sell you in in the end. And there's the new guy on the block, Monarch, hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise, built by these people just like you, four people just like you. No private equity, no gimmicks, just the best budgeting after is. Download and I'll start the free trial, dollarwise.com, link in the description below. Well, it's important to know that, like, we're not paying people what they're worth, what they're labor's worth. And, you know, we don't see this intrinsic value in people like teachers and cops. Absolutely. I mean, we literally, yes, we do, Amy, a profession from nurses. Nurses are no longer considered professionals. You're talking about in terms of what they can borrow for student loans. That might be a good thing. No, I'm just talking about professions and how much they make and versus, like, how much time that they put into it. First of all, I don't think that you're going to hear much complaining in general, because nurses get paid incredible. They worked 12-hour days. Yes, like four days a week. Yeah, no, my mom's a nurse. My cousins are, I have so many nurses in my family. It's like 40 hours a week. Are they upset about their profession being undermined? I think they're happy with making six figures. But they're, that degree is no longer considered. Not everyone cares about a label like you, Blue Hair. Some people actually care about, again, outcomes. Only thing that matters in the end for a worker usually is their paycheck. That's what you're just complaining about. People are not getting paid what they're worth. They're getting paid what they're worth. Nurses is one of the best degrees you can get. I mean, nurses are exhausted, don't you think? Oh, my f**k. What is there not to be a victim or complain about? Well, so who's going to do it that? How do we get better if we don't not recognize what's wrong? No, what's your proposal if they're tired? Short or workout, or is shorter work? You know where you have a nurse in shortage? You're the same. For the same repentant, for the same, but who determines who gets to choose that? The workers should get to choose that. They do, whether or not they accept the job. They should have a better relationship to their means of production. Dude, they get to choose what nursing job they apply for. Emergency room being a teacher, showing up to old people's homes, it's up to them. They're not choosing one of the most flexible fee hours. They actually are by choosing to go into nursing when you can see what kind of hours nurses work. Yes, they are. We can improve their lives by giving them better rights and they might not get paid as much. They have the right to quit their job. They have the right to go work whatever they want. Hospitals are crazy. And I'm relatively glad as long as like nurses are making good money and they are so long as they should have a say in how much they're working. They do. They do. By choosing what job they do, by choosing the degree they got, they have that say their entire life had that say. Exactly. There's a lot of things that help people inform their choice, right? And sometimes that what informs that is where they are. And sometimes they don't have the ability to apply for like a nurse prediction or job in a hospital desert. In a hospital desert. So you know what they do? You know what most people have done? They have to leave. They leave. Exactly. And what happens to that commute? That's good. No. I'm sorry. Not everywhere is going to thrive. No, everyone is going to thrive. That's not possible, but that didn't happen in socialism. But it can. But it didn't. But we can never once to socialism did every community can be the difference. We already know what it's like to be in incredible amounts of debt and not lose the promise of retirement, which you get on one percent of your income. So what are you talking about? What retirement were you lost? Sorry. What retirement were you lost as a generation? I'm one year from Gen Z, by the way, so I'm pretty much aligned on this, but what year were you born? 95. 96 is when Gen Z started. So. Gotcha. Yeah. Google's a year older than me. Is that another award? I like, I don't know what you're trying to get. What retirement did you lose? Well, social security. You didn't lose social security. But it's shutting down. No. You said 2032, didn't you? There will be a mandatory 25% cut because the slush fund is gone, which means only the money that can go out is the money coming in. Since we have a decreasing workforce and decreasing birth rate, that's why. It'll still come. You'll still get social security. It'll just be from what comes in. Again, it's mostly because we didn't invest in the market, which the capitalist wanted to do. But we're letting people go. We're not getting new jobs. What? We just had record job numbers reported last month. We also didn't get job numbers for an entire quarter, right? Okay. What's your point? We just got record job numbers. These last, dude, these past few months have been great. Is it not worth noting that we've had historic no numbers? It is. That sucks. That sucks. But guess what? The past this whole year, we have. So I'm okay. You're saying we're getting no jobs. We just had hundreds of thousands created. We're reducing far more with AI. Okay. Unemployment rate is steady. New jobs have been created so far. We're not seeing that overall as a statistical thing. You're getting a couple of companies here and there. Sure. I've seen it. I've been let go. Everyone's been let go. That's normal. But getting rehired, is that normal? Did you get rehired? Okay. Then congratulations. You won. What do you want? What are you arguing for? I'm saying. That doesn't sound like you're replaced by AI. But what I'm saying is that there's not. We're not kidding. Okay. So you just said Gen Z has this as this. Okay. So you said housing. Yeah. So you have the ability to, you know, because you lose retirement. That's not true. Also, just stock market. Invest 15%, you'll be able to return multimillionaire congratulations. That's pretty easy. We already know you spent 25% on bullshit. So you'll be able to do that. Congratulations. Go for yourself. What's the other thing? Housing, 25% and Gen Z already owns a home. Cut out your eating out to eat. You'll be able to put it down, payment down. Now, honestly, the majority thing, yes, housing cost have gone up rent. Who cares? You don't need to own a home. No, who cares? I mean, no, no. Why should all of my investments into a place just go to somebody and that I never had? Well, the investment in someone else's property. That is true. But the thing is, you'll make more money. But there's not properties available that people can afford. So they have to sell for rent. What rentals is better. No rent thing is great. What's wrong with rent? It gives you more flexibility in life. So it gives you flexibility, but your money is not, you're not investing. No, that's actually good because you don't want it in a house because housing performs much worse against the stock market and average. Put that money in the stock market. No, that's what I'm trying to change. The American dream is housing ownership. But me, remeat, Graham Stephan, I even think the money, guys, right left, wherever you go, remeat. He's like pretty far left. Everyone agrees renting is better from a financial perspective because you put the money in the overall marketplace and you will make so much more money than your house ever did. You think it's better because the landlords are profiting. Who wants to be a landlord these days? It's a horrible return on investment. Because it hurts your feelings when people hate landlords. I've sold mine. I don't care. You sold your landlord? My rental properties. Oh, gotcha. Because it's a bad return on investment. Why would I care? I don't care. Well, but what made you want to do it in the first place? I thought it would be a good return on investment. It was okay. Stock market beat it every day. Was it during COVID? No, no, no, no. I bought my own first personal residence there in COVID. Gotcha. Yeah, you were making a point. Well, housing is impossible to come by and that's why a lot of people arrest. That's not true. Okay. Again, cost of housing has substantially gone up. That is true. When it comes to buying a house, you don't need to buy a house. But even if you did, how about us actually care about outcomes, improve zoning laws, environmental laws so we can build housing and meet market demand like we did in Austin, Texas. Well, we were talking about how the nurse has to move to go to find their work if they want to work as a nurse instead of providing the change. We lost our retirement. We lost our housing. That's not true. All those things are not true. What else is there? What else did you lose? What else are you a victim in? That's not true. Lost your retirement, not true. You lost your housing, not true. I mean, I was saying that Gen Z could be the change and we could have a better relationship to the remains of production. Yeah. Okay. So you don't know what fascism is. You don't know anything about the minimum wage. You don't know anything about the detention centers of other countries. Yes. I do know what fascism is. In fact, I was starting to kind of explain it. In fact, it's a completely opposite of lowercase al liberalism, which capitalists are, lowercase al liberalism, normal people on the left, normal people on the right. Trust me, I don't like extreme right, hate extreme left like you as well. Lowercase al liberalism, individual rights, communism, opposed to it, fascism, it opposed to it, limited government opposed to it, it's strong government, free markets opposed to it. They destroyed it, it is central planning. That's fascism, that socialism. They're much closer. So fascism is closer to socialism, 95% compared to capitalism. As an economic and political structure, you know that, right? There's no people say in fascism. It's the opposition. It's depression. That's interesting. In every socialist state, we've had free and fair elections. People had to say, where have you, where has this ever been proven to work? In Cuba, they have like free and fair elections. They have constant elections. Free and fair? Constant elections. Free and fair? For many things. Free and fair. What does it cost to go to an election? Fair elections. Oh, good death. Oh. Yeah, you didn't see people fully the United States on boats to get to Cuba, by the way. Socialism, fascism, both anti-capitalism, both anti-free markets, state-controlled. What's different is in socialism, they at least pretend to care about everyone equally. And fascism, fascism, they'll kind of put away the people that aren't providing as much. That's the difference. That's usually the difference. There's four. the pudding people. - No, I don't like fascism. I like capitalism. I like lowercase L liberalism. - That's so funny, put them away. - Is fascism. - Oh my goodness, she can't listen. She's actually the dumbest person I've ever, ever fucking had. They're both one party states. They're not free. There's no free and fair election. So, I mean, we were looking this up. So, what there is in Kansas does not have state-operated supermarkets at all, but they have several small rural towns that operate municipal-owned grocery stores. Funded by like property taxes from a lot, but no state-owned. The place you went to, place you talked about, you don't even know what you're talking about. Oh, you're pathetic, you're a bad activist. At least know something. This is really bad. - I mean, what's the good thing? - You're just obsessed with symbolic winds of what you say. That's all you care about. - I care about improving people's lives. - But you actually don't, because what improved people's lives the outcome is improving people's lives. - It actually has improved everyone's lives dramatically in the world. It's on a statistical basis in every way. - It improves the lives of the bourgeois. - Only? - Hmm. Okay. - The working class is meant to suffer under capitalism. We don't have to be desperate, you know? Like, we have it in our human nature to help one another. - I don't know why a lot of myself to go down that rabbit hole, but I'll let her have the finishing point there. Well done, you got your Reddit award. So proud of you. It's so good. - I just wanna help people. - Sorry, them. Okay. No, you actually don't, though. - I do. - Because you don't care about outcomes, whatever. Okay. - I do. - I've already proven that, 'cause she knows nothing about the minimum wage or literally any balls that you talked about. She actually doesn't. She wasn't able to speak on one thing or any comparable country or economy whatsoever. Actually, I'm trying. I'm not making her joke, all right? She's making bad awards, I'm a flubber. But if you actually cared, you would be informed on literally anything more than just talking points and virtue signaling, but your job, what do you get paid? - 60 and I just got a raise. - Just said you didn't make the median. You're like 5,000 off and you're 25. You know, the median usually isn't hit until like 40s. You're doing better than the median your age. - How are the median my age able to get a house if they're making less? - You're pathetic. You might not be able to at 25 and you're not a victim for not being able to get a house at 25. - I said people my age own houses. - Yes, 25%. - How are they doing that? If they're making less? - I actually don't know the answer to that question. - Okay, so you don't know anything? - Well, because of one question you asked me, I'm sure it's a mixture of inheritance. I'm sure it's a mixture of investing. I'm sure it's a mixture of-- - Boo, wow. - Investing through they made the choice you could have invested. You could have saved-- - Right, and investing. - From 21 to 25, you could have enough for a 5% down payment. FHA, yes, you could. Absolutely. - I know for a fact, you could. At 60,000 hours a year, yes, in North, in South Dakota, yes, I know for a fact. - I just got that one. - What were you doing before? - 50. - Okay, you could have in South Dakota, you wouldn't have been fine. - And I haven't always lived in South Dakota. - Okay, where were you? - I was in Maryland. - Oh, Maryland may have been a little harder. There are higher cost living areas. Again, that zoning problem's not an actual wage problem compared to complain about those policies. So you do well for your age. Yeah, you're a victim, of course. What hits your account? On a per pay check basis. - So this is like, kind of, I'm glad that we're finally getting into finances. - Yeah, me too. - 'Cause you couldn't talk about anything properly. - I was in sort of like a perfect storm financially because a lot of things happened in the same like six weeks ban. - Well, something, something, something George Floyd or something like that? - No. - I'm surprised, okay. - Yeah, I just, I got let go from my job. And then two weeks later, they realized they wanted me back. - Sounds like you're very privileged. - Or I'm just an asset and they didn't view me as an asset when they were trying to cut everybody. - Yeah, of course, you can never recognize you're a privileged people like you. Yeah, go on. (laughing) - You guys are a walking stereotype, it's hilarious. You're perfect. You were born out of the egg of the far leftist extremist. You weren't, you're incredible, continue. (laughing) You're incredible, I love you. I love you, you're my favorite person ever, you're. - Hey, didn't mean a second ago. - I don't hate you, you're just one of the most people I've ever met in my life and it's incredible. So I want you to continue your, so I can continue laughing, please. - So they ended up giving me my job back because they were finally willing to meet my demands. So now I make 60, I went from 50 to 60. And they wanted me to move and I was able to maintain being remote. But they promised severance and I had planned some of my finances around said severance. And so then when they hired me back, I didn't get severance. So that really, I mean, planning to have a good chunk of money come in and then not seeing that money come in at all, but for the sake of maintaining a wage. - So of the now 28% of Gen Z that owns a home, 33% of them said they would not be able to get it if they didn't get to help. Meaning that what's the additional percentage in my 30, 30, 30, 30, 37% or 67%? Did I do the right? Percent said they could do it without any additional help that they got it. So there you go, I answered your question. - Well, help from the bank. 'Cause obviously they did. - No, help from someone else in their personal life. - Gotcha. - Yeah, 20% was through selling their stock investments. That's what I recommended for you. 18% lived with their family to save up a large down payment. Worked the second job, 17.6%. Crypto, which is more even investing as 12.7%. Pulled from retirement early, which you can do, 12.3%. What I recommend, but you can't do it. Non-profit assistance, also capitalism, by the way. 11.2% government assistance, right up your alley, 8%. So yeah, you can actually do it. Percent using first time home buyers, oh, 26. - Yeah, when I had, I had-- - Oh, FHA 28, with my bank. - You know, FHA is like 1.5%. So you'd be perfectly fine. You'd be fine. You're just a child. So what hits your account on a monthly basis again, please? I need that. - I moved from being bi-weekly to weekly. So I get paid 800 a week. - Okay. - You're eternally online, aren't you? - I'm an archivist. So I-- - What's that? - I go and film history as a tapening. - Okay, I thought there was like a streamer, something that you were like a big-- - A streamer that what? - Like you were like dick-sucking-four essentially. - Oh god. - But, maybe not. - I, there's a few content creators who I'm pretty close with or that I have interviewed before. - Oh, who? - So I've interviewed Median Benjamin and Amy Goodman. - No. - And Saunt Piker. Oh, I know, oh, come get in canceled, okay? - I hope he sees this. I hope he can help me out in terms of like properly addressing and such. - He's definitely more eternally online than I am for sure. We can have, we can do, he can react to this. Then Destiny can react to his reaction. And then Asman can respect his reaction, react to his reaction. And maybe I'll react to the reaction of the reaction of the reaction. - So your friends with him? - No, I've interviewed him actually a couple of times. - If someone came on, that was as far right as you are left, I would also shit down their throat. There was that election denier, bullshit dumbass woman. I was shitting down her throat the entire time. Now, for what she was talking about, I wasn't as informed on. 'Cause I didn't care about those issues as much. I'm much more economically driven. You talked more economic things. So I was much more willing to talk. But I should have down the far right far. I just hate extremism like you guys. You guys are weird, you. You're an extremist. - I open to new solutions that haven't been seen before. - But yeah, you weren't open to any statistic that I brought up. So that's the thing. I just hate extremists like you. But I mean, I don't have anything against the sun. I might just disagree with him politically. I know I disagree with Asman Golden, some political things as well. But I had a friendly conversation with him. And that's okay. - You've met Asman? - Yeah, well he's local. - Oh really? - Yeah. - I didn't know he left his house. - And I would meet, I think it was the first time in a decade. I'd meet, Destiny was supposed to fly here and I think his flight got canceled once. I'd meet Hassan as well. I'll meet anyone. - Yeah. - I walk through to pedophiles. You made that clear. - Well, President of the United States, specifically. But I, like I don't think you're a bad person. But I know people like you, the moment that someone is like 10% left of center, disagree with you on one thing they become a fascist. And you couldn't even describe fascism. That's the kind of world view I hate. People that disown people, people that can't even get on with someone that disagrees with 5%. That's toxic and bad. That's bad. - My parents are not in my adult life, but they were very present and like impactful for my young life. I wrote, I used to be a conservative. Like I, someday will apologize to my classmates because-- - Did you or a kid, who cares what you believe is a kid? - Yeah, we all know what the fuck they're talking about. - I spent as much time as I will with them as a kid and as an adult, I've actually completed that as well. - What are they gonna think of when they watch this, such as then? - They know how to pack my life. - I don't dislike people. I don't dislike people because of political positions. That's what extremists do, and unfortunately that's you. Sorry. - I don't dislike Hassan, I don't dislike Asmond Gold, I don't dislike Destiny, I don't dislike any of those people. I don't dislike you. But it's sad that you dislike people because they disagree with you politically. It's really toxic and disgusting. - I'm always interested in changing those minds. - You know what, you weren't able to speak on anything other than buzzwords. - Well, but I'm willing to have those conversations with people. - Can you be more informed next time? - Yes. - You know, it's important to look things up, right? - Yes. - And read. - Yes. - Love reading is a good time. - I'm not a theoryist. - I know there are people that do a lot more theories on me. - Well, economic theory is important. - Yeah. - You should probably get into it sometime. No one agrees with you. - Well, I mean, people can agree with that. Freeze. - Awesome. - Awesome. - How is free? - Well, I mean, I've been able to, the only reason my finances aren't any worse is because people are kind enough to help me out. - You spend 25% on bullshit. You make $60,000 out of here. If you're getting help from people, you're pathetic. - Is this the, can I look at the graph? - Are you, you can go through it. - I will. What do you think your financial score is zero to 10? - My financial score, zero to 10. Like a-- - Is that complicated? - Well, but I thought you're talking about-- - Okay, sorry, sorry. Zero being the worst 10 being the best. - Okay. Seven. Like I think I can recover. - But that's what you think you are today. Not where you're going. Where do you think you are today? - Okay, six. - Okay, great. If you aren't your financial score, get that score for free at CalebHammer.com. Just takes a few minutes to see where you stand on the world of money, and you can see where you're doing poorly, where you're doing great. What you need to do to get better. And if you don't want to be like a guest who ends up on the show, where you're bad with finances, make sure to download the download-wise budget and app. You'd actually know your percentages yourself off the top of your head, which is very nice. - I thought you were asking credit score. - I said financial score is zero to 10. - Well, finance, credit score, they both say it's zero. - Okay, download, get the free trial. Sign up for the annual version if you want to save almost 50%, that's what most people do. I will personally send you my 30-day meal plan. You'll get your ass back in that kitchen. Am I right? Let her. Person. I'm sorry. That was bad. Wait, what do I get? Call to you then. Like, not pronoun level. Like, I wanted to call you a lady. What would do I call you? - Oh, you can call me my name. - Well, but it's a fake name. Okay, doomsday. - Yes. Stop bleeding out money, making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high-interest credit card debt, a car loan at 18% or, oh my goodness, a payday loan, charging you triple-digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still gotta do the work. Starbucks is bulls**t and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just $0.40 a serving. Honestly, it literally tastes better. And we prove this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. - The number one ranked energy drink is Gamer subs. - Literally, the cherry flavor is insane. - Listen, you can also get free samples to see if you like it or 10% off your order at gamer subs.gg or click that link in the description below. Type in code Caleb. - Okay, yeah, get your ass back in the kitchen. Make some food. Use the cookbook. - Are you kidding? - No. - I'm allergic to kitchens. - Oh, I assume you have no agency or accountability whatsoever. - I have lots of agency. - Oh, but you can't cook for yourself? - I choose not to cook for myself. - Why? - I'm not a good cook. - That's pretty easy, I just fixed it. Mill plan in a cookbook, digital version. So then what's the excuse? Once I've given you the recipes. - It's not the recipes though. It's the skill that comes with it. Turning on a skillet, doing a crock pot. Air fire, pretty damn easy. - Not a space for me. - What? Make that make sense to me. - Lots of people like to cook. - Learn. Take the time. - I can learn. - How do you eat? - I get fed. - Make that make sense. I need to learn more information. So you eat out for every meal. And you're the one complaining about not being able to get a house. - Not for every meal. - Okay, you know it has a dramatic markup. Going out to eat. Then delivery on top of that is an additional 90%. - It's actually funny that you talk about that. 'Cause like I can tell you how much I pay for a meal. - How much? - Like 20 bucks. - What the f*** that would be like three bucks on my meal plan. So I think it's your fault for not being able to accomplish the financial goals that you're complaining that you can't do. As societies. - Well can I not allow to spend $20 a day? - You do one meal a day. It's still more expensive you can. But if you're choosing that, then you're choosing. - Well can I spend on anything else? - Don't you save it? No, listen, you can't complain that you can't save for anything if you're choosing not to. Well, it's fine if you don't want to. If you would rather go out to eat, that's fine. But then don't complain that you didn't get to save for retirement. That you didn't get to save for a house. You made that choice. And that's okay, but own it. - I'm just pointing out that like there's a paycheck is supposed to afford me certain affordances, like foods. - You make 60, you're perfectly fine. - Right. - But no, you're not entitled to going out to eat. - Well how much can I spend on a day? - Going out, what's your goals? - Well. - You can spend all of it, but you might not hit your goals. - Right. - But then don't complain that you can't retire or can't get a house. That was your choice you made. That's not socialism, capitalism, that's you. - But it's the government provided those things, happy. - Why should they? Because you have no agency. - Well the government. - You have no discipline. - Why should they? - Because there's an intrinsic value too. - Why should it be my responsibility to take care of you since you decided not to take care of yourself when you made good money? And what way is that fair? - How is it fair for people to lose their everything? - We're talking about you now to other people right now. We're on the you part of this. - Yes. - Why should I have to take care of you when you make 60,000 hours a year and you choose to blow it all? - I don't choose to blow it all, but I do. - You just said you do. - I do spend some money on eating. - Yes. - And if instead you put that in a low cost index fund, you let it go to retirement, you had a chance to retire, but you're not doing that instead you choose to go out to eat. Why is it my fault for not funding your retirement? - I am funding my retirement. - Okay, what if it's not enough and you could put more and you need to put more? Why should I have to get you a house when you chose not to save up and you chose to go out to eat? - Well. - Why should it be on me as the question I asked? If you chose to go out to eat and blow your money, why should it be on me? - Because there's an intrinsic value to building up your community. - You're not in my community. - Well, then how are you paying for it? - Well, I assume you would want it to be collected federally and redistributed to you, even though I already pay a higher percentage compared to you dramatically. - Well, yeah, I think that-- - Question, what percent does the top 1% pay in federal income taxes? - None. - I think it's about 40 to 50%. No, I believe it's about 35%. Then the top 10% pays 50 to 60%. Top 50% pays 99%. The bottom 50% of earners only pay 1%. Did you know we actually have the most progressive income tax system in the entire Western world? Did you know that? - It did not. - Oh, we do. Of course you didn't know that. Why know anything before having an opinion? What the fuck is wrong with you? You're probably a raised taxes person, aren't you? But you didn't even know that we have the most progressive income tax in the entire Western world. You think-- - I know that. - Do you think the top 1% pays 0%? Okay, but that's actually just not true according to IRS data. - I mean, comparatively. - No, that is the percentage is compared to what? Compared to the bottom 50%. No, compared to the bottom 50%, bottom 50% only pays 1%. - It's a lot more than what-- - Then they should? - Yes. The bottom 50% shouldn't pay 1%. - It's something like-- - That's interesting. You say that because you know the social programs that you love and you beg for, that the entire European Union does, you know how they pay for it? They pay for it with a VAT tax. You know what a VAT tax is? - What's a VAT? - Oh, wow. So you don't even know how they pay for the social programs that you're begging for. - Well, for the taxes. - But what's a VAT tax? - Another tax. - This is pathetic. It's a national sales tax. So overall, that is a less progressive tax than we have anywhere here. So the poorest people over in Europe have to pay a flat sales tax to pay for the social programs that they benefit. They pay a higher percentage of their income, two taxes as a national base to get those percentages. Were you say the bottom 50% should even pay 1%? No, if we were going to mimic their systems over there, but they would be paying much larger than 1%, you don't know what the fuck you're talking about. But-- What am I talking about? You just said the bottom 50% should pay less than 1%. I said that they are. What? I said that the billionaires are not paying their fair share. How do you define fair share? It should be relative to what they make. Trust me on what they make income-wise, they are paying their 40%. Well, but if they're saying that they only made 70,000 that year. You're talking about their business? That's not what they make. That's their business, and that's relatively fair. If they're employing investing a lot in R&D and new technology, you know we have that tax structure for a reason, so people are investing in the United States economy, so they're building more products, so they're employing more people, which actually contributes more to the tax base overall in the end, because when they employ more people that creates payroll taxes on both ends, and it actually creates more income tax on the people making over six figures, that actually provides more money overall. Because if you collect all the money from all the billionaires in the world, we'd be able to fund our federal budget by what, I think, a half a year? Well, we create more taxes by creating those tax structures and employing more people. So what- Or unionize the top 10 months. Okay, you just come in with a talking point. It's just like, what the- That's what the- What was that? Nothing to do with the point, I said. Anything there? And you rebuttal? What's the fair share then? So you don't think- You think when, okay, so my business, let's say I bring in a million dollars this year, and I spend 900,000 dollars. You think I should pay taxes on the total million dollars, not the profit of a 100,000? It's- Because that's your argument. You know that's the argument you're making, right? I should pay taxes on the total million, but not the 100,000-hour profit, even though I chose to invest 900,000 dollars creating jobs. Because that's the argument you made. You think that should be the case? I think that we should reinvest into- So you can't answer the question. You can't answer the question. Because that's what you're advocating for. I'm advocating for the top 10 corporations to be unionized. You were just talking about paying their fair share, not unionization. Stay on topic. Learn how to stay on topic real quick. But- No, no, no, no. Learn how to stay on topic. I'm talking about the- You're talking about taxes. Yes. Because you said it. You brought it up. You said they're not paying their fair share. Okay. So how are they not paying their fair share then? I'll let you answer again now that we just went down that, and you were- On average, the working class pays more in taxes. No. No. No. I've already disproven that with the IRS statistics in terms of income tax. They don't pay their fair share. Yeah. Let's just stick to that talking point and move on. She doesn't even know the percentage breakdown of who pays what. Go fuck yourself. So let's look at your documents. Costco card. What's going on? It's the highest card that I have. Highest card. Why? You make good money. Why? I've been paying a lot of mechanic bills. I've put a lot of bills on- By the way, guys. I'm not even public. I just believe in lowercase L liberalism and sound capitalism and markets. And I believe in unions. Um. Okay. What a- Strong unions. There are lowercase L people that believe in unions. Hmm. No, you believe in a lot more than that. And you can't back anything up. What the fuck is- But what I was trying to say is she's making me seem like the most rude, rude Republican in the world. Far extremist to the left, which is fucking crazy. Whatever. They'll call me a fascist for this. That's how it goes. You think I'm a fascist? I think you're a centrist. Actually, centrist? Hmm. Well, thank you for acknowledging that. I appreciate that because that is true. I go against right wing positions all the time as well. Hmm. Okay. So $10,856 and 55 cents. Um, yeah. I mean, you're spending a shit ton of money on this. Actually, it repairs from my car slash house. Do you own a house slash car? What does that mean? You live in your car? Yes. Is it here? No. Oh, why? Because it's getting repairs still. And why do you live in something that is appreciated and asset that requires so much repairs instead of renting and letting the landlord take care of it? Because it wasn't always, you know, um, degrading in quality, but also- Well, you got it appreciated in asset, you got something on wheels, it's getting into a grading quality and a landlord don't own it so they're not going to fix it. Mm-hmm. This is again a choice and a consequence of your choices. Yeah. It was my choice to be in control of my output as a person. Yeah. You have that choice every day with what you do. Well, this is me buying something- You making your choice resulted in high credit cards. Mm-hmm. Not a good choice. This is me avoiding, um, rep payments, you know? That would be better though. It would likely be less and you want to have max out credit cards for it with your income especially. But you can't move your rent. No, you can break your lease and sometimes that's not absolutely perfect, but then you're in it for a year. I don't pay rent and I don't pay a car payment and I don't pay insurance for a house because I don't have a house. You have car insurance? I have car insurance. I paid that once. Well, you have to pay it again. No, I did it yearly. So you have to pay it again. Next year? Yes. Mm-hmm. You can do that with home insurance, too. And renters insurance. You can do that with property taxes. You can do that with everything. Dude, you're so f*cking stupid. This isn't all car shit. It is. What's Plaza of the something? What was the charge? It's a, there's three in a row, 609, 1216, 17 something. Um, likely gas. No. Or, um. There are three in the same day. What was it? What day? The 25th, uh, April. I think that's like a gas station. What were you doing? Three purchases. You're going in and getting some bullshit. See, that's your choice again. You're not required to do that to survive. But. Here, I saved you life. When we're energy drinks from the gas station, make them with gamer subs. They're delicious. Yum, yum, yum. 40 cents a serving with my discount code of gamer subs, link in the description below. Get your free samples, figure out what flavor you like, then get that tub and it's 40 cents a serving with my 10% discount code. Why are you going in and getting some bullshit? So, gas stations also have, like, camper hookups so that I can empty my waste. Yeah, why are you going inside and get some bullshit? They also have any free. Sure. Why are you going inside and get some bullshit? Come on. Because you did it the next day too. You got some gas from Philips with then you went inside and got some bullshit. You did that constantly and it makes sense because you're living on the road, you're living in an expensive lifestyle. Then, well, it's probably when it was broken, left, left, left, left, left, left, left, left. Oh, oh. I'm sorry. These. I accept your apology. I have. So, my company makes me expense everything, so it's a lot of expenses for work. I don't take lifts personally. Those are work lifts. Okay. So, just the lifts. Then there's the Hilton Cafe. Auto zone. That one's actually fair for your situation. I think cafe is also work. Okay. Probably the airport is well. Right? Yeah. Donald's probably not going for self. When inside, got some bullshit. Parking, parking, parking. Might be work. Anti-emays. Certainly, ain't. What is? Anti-emays. Going to a restaurant looks like. You went inside. You got some bullshit again. Sweet teas. You're getting some bullshit. This is why you're still fixated on the minimum wage backs of chips. Yeah. Because you're going inside and get some bullshit all the time. I'm feeding myself. Buddy. If you're going to go remote, drive, drive, room, room around, get a. Hop plate. You have to be able to make willing sacrifices around. I'm not going to feel sympathetic for anything. If you make all the sacrifices in the world and then you can't survive. That's what I'm sympathetic and I want us to step into social programs. Food stamps. All that good stuff. Okay? Even you be eye maybe. Who knows. But guess what? Not if you are choosing to live like this. That is your choice you made. It shouldn't be on us to save you then. Learn, fail, pick yourself back up. Be an adult. These are like four dollar charges. And they all add up. Depth of a thousand cuts, lady. Yeah. I'm looking at five dollars, five dollars, six dollars. That's up. You went inside, got some bullshit. Tell OUSA Netflix, go fuck yourself. That's not even good shit. Tell us my phone. Let's go. Okay, tell us good. That's about as much as healing. Am I like healing? Bucks in line. So that's good. You got something like that. You went inside, you got some bullshit. And Google One, that's fine. That makes sense. Kind of have to have that these days. Interest fees. Fees. Interest fees. Flex fees. Bullshit. There's bullshit. You have a lot of flex fees. Something to spend in showers. Yes. In fuel tanks. This is your choice to pump this money into this vehicle. Because it's my house. So what is it? What are you living? Trailer. And ambulance. What is wrong with you? That shit must stink. No. I wish it was here. I'd love to see it. I can show you videos. I'll give you the MTV tour. Okay. That's it. Lots of initials, lots of fees, lots of stupid behavior. No shit. It's at $11,000. With a $619 a month minimum payment. Like what the fuck? You have to look at the Titan and the. That you chose to do for your lifestyle. For my house. Yeah, but you're putting it on a credit card that is accruing interest in plant fees. But I. You have chose this. I thought that I was getting that severance. That severance was the cost of those repairs. Okay. And then you chose to get your job back. Like, okay. You did that. I choose to lose my job. You chose to get your job back and go back and negate your severance, though. Which, by the way, it makes more money over the long term anyway. So you should be able to make it work, but you didn't. You put it on there. I'll get you. What should I have done? I'll get you an accounting certification through course criticism. Maybe you can learn. a lot of people out there. converted them into six-figure jobs, okay? You're making the choices. You got laid off in your chose to go take a little trip to Japan. I don't think you went, but you made that choice. You do those choices. You got laid off and you're gonna go take a trip to Japan. You are making the life choices. You're not a victim. Show me. It might be cool, I might actually like it. Doesn't mean you can afford it, okay? - I make it sideways. - I know how to make a phone work. - Well, I was just, well, maybe you don't like Android. - Thank you. - Here it is, double back doors, we got a side door, but I'll take you through the cashier here. - You have a stove, cook. You have a stove in an oven, cook. That toilet shower situation is weird. You must have a nasty, okay? This personal loan is $10,937 from $14. - So what's this personal loan for again? - Ambulance. - Whambo. - Okay, so again, you chose to take this out. This could be a year's worth of rent. And it's at a high 15.49% interest rate. This was your choice. I can't be sympathetic. It's pathetic. Oh, okay. Amtrak? - Yep, the train. - No, I know, I like trains. I'm very pro high speed rail, by the way. - I love that. Cornia is a complete failure, improves that we cannot do it. And most of those, well, no, they have proven they can't. You know, who proved they can? Brightline, Florida, private. - I raised you, the RTD Denver. And it's free two months a year. - Wow, two months a year. - Yeah. - They call it, they call it. - What's its ridership percentage? - I don't know. - Okay, come on, then you can't raise that as a point. - Why not? Isn't it not important to point out that it's free two months a year? The most profitable time of year as well? - Okay, the Miami ones free as well, all year. So what? - It is? - Yes. - I didn't know that, I've never been to Florida. - It's also good to collect fares. They do that in every successful actually public transportation system in the world. It prevents anti-social behavior on public transportation and it increases ridership and maintenance and funding. Fares are good, low fares, freeze not good. It's never been proven to work in benefit of system once. - Working really well in Denver. - Is it what's its percent viewer? - Ridership, let's see. - It's so big that they're actually expanding to bigger, include more cities in the Northern Colorado area. They've been working on that part for like a couple of years now. - Great. Okay, well, you don't have anything on this, so I don't really care. So this is your annual fee, whatever. And Amtrak kind of sucks. - Oh, well, the credit card gives you free rides. - Okay, great, you can get across the country in four days. - Well, I'm usually, when I used it most, I would use two. - Man, this one, this balance on this, elevations credit union went up from 1882 to 3731. Why? Why are you doing this to yourself? You put the risk on your head. You make it so that you can't do as much as you want. This prevents you from going out and doing the things you want to do from putting out risk. - I wanted, I called my bank and tried to consolidate. - You shouldn't. - Why not? - 'Cause you haven't changed your behavior that got you here in the first place. If you have this debt and you consolidate it into this debt and this went to zero, but the balance is still up here. You'll all of a sudden build it up to here without changing your behavior. That means double the debt. You should never consolidate. We have consolidation and personal loans and great things on Calebhammer.com for people that have proven they can. You can use that later, but only after you change your behavior and you haven't. - But the most of it is mechanics. - Doesn't, doesn't matter what it is, it's still behavior. You chose to do the behavior that got you there in the first place. And it's still not in a way, 'cause you went to a vending machine, summer house ordinance. - That's like getting mad about people for losing their AC or their heating or their water. - Yeah, but they shouldn't put, well, no, no, no. No, it's not, because you chose to go into this van life. - So that's like buying a house, right? When you buy a house, you pick up the risk of owning a house. - Exactly, and you shouldn't get into a house without a proper fully funded six month emergency fund. So yes, I agree with that point. It's not like rental. It's not like an AC breaking necessarily. You chose to do the van life, now you're paying for it, and you will still have that behavior. You're adored ashing. Married, united, adored dash, American, - Forward. - Yeah, but you're still putting it on a credit card that you are not paying off that is a green interest. You put double towards it, then you put on it. - Again, these are all work related charges. I travel for work. - Nebraska furniture, I thought that was reimbursed. Green lady lounge, Chipotle, Chipotle, some king restaurant coffee, adored ashing again, getting some bullshit, Jimmy John's trail brewery, device pros, 54th street. - That was my phone. - It's bullshit. - Okay, okay, that doesn't make any sense, because what do you mean? Your phone was on another card. - No, no, my phone screen broke. I had to replace the phone screen. That's device pros. - Fees interest, it's all bullshit. This is stupid. It's been a fun conversation so far. Hopefully people like it and are watching. It's a very different one, but I've enjoyed it. I've made either an enemy or a friend, or a lot of enemies are friends out there. Why don't know yet? We'll figure it out. Where's your check-in account, dude? What was this? This is your check-in account. Okay. When did I get some bullshit? Like a thousand five hundred. Which all would draw a Venmo Venmo. Okay, so what is actually, where's your money? Where's your savings? You said you had savings and retirement and stuff. I can show you my. - What's in it? - So when I checked, it was like, well, at its peak, it was. - What's it at today? - I think it's 9.8. - Thousand? Halfway decent, what's it invested in? - It's invested in net and SMD. - Net? Oh, individual stocks? Why? Why not low-cost index fund or retirement target date fund? I just wanted to choose my stocks that I invest in. - And it will be our fault if you don't retire. - Well, but I mean, I'm beating the S&P by a lot. The S&P is doing 12 and I'm doing 85. - Hell on average, it hasn't done 12 this year. - Right. - But even still, you've got a long term as one matters. - Yeah, I can show you. - Long term as one matters. The next 40 years of your life, not one year, not one snapshot. Are you gonna trade it in and out? - No. - Are those stocks? - Okay. - I was gonna just told. - Okay, your debt minimum to payments, you're holding until retirement. You believe in AMD until you retire. And next? - Or whatever you son. - Well, your minimum to payments are $1,183.58. Okay, so you don't have rent. But you don't have a payment on the ambulance, right? No, you do. That was the personal loan. - Mm-hmm. - No, I mean, I see it. That doesn't change the point of what I said. Okay, but no, you don't have a savings account. - I have a little bit of savings. - How much? - Like a thousand. - Kill myself. Okay, so you don't, what's your gas? Your gas from drive drive, that you have to spend. Because that's like your rent essentially. That and the insurance. - Well, the insurance, I only paid once. - I know, but you gotta save for it monthly to pay for it next time. Come on, how much does your yearly insurance? - 300. - Okay, pretty good. Very good. 25 bucks a month. Ah, bad. Okay. Gas, a broom from drive drive. Come on. - Like 300 on a full tank. - Phone bill, well, it was like 15 bucks, right? Then you have a second payment. - It's, huh? - Yeah, a second payment on a different card. What was that all about? Your phone service was on one card and you had like a phone payment on another card. - It was the screen. I replaced a phone, the screen on it. - You still owe on it? - No. - Okay, so 15 bucks a month. - Yeah. - Okay. - Well, it's 25. - No, okay. - Sorry, not to nitpick. I know we're counting every penny. - No, this does matter to nitpick. Utilities and stuff. You plug it in, you're like parking places and stuff. How much should we spend a month on that? You parking places and whatnot. - I mean, I don't really have to pay for parking too often. - Getting like water and shit to maintain this. How much? To maintain the bus? - Like 50. - Okay, not bad. Groceries, you're gonna do 300 bucks 'cause you have a stove and you just learn to cook. Please make sandwiches. It's so basic, you have to do this for the sake of your future. Just do it. You can give more money to every little organization you want. Okay, think about it like that. You're being selfish if you don't. If you're being selfish if you don't 'cause then you can't give more money to people. Tp fun, anything else you need to survive in there. Either tampons or condoms, I still can't tell. 200 bucks will go there. Medical healthcare co-pays? Want to base this, I'm sure you have a lot of therapy. - Nope. - Oh, you need it. Okay, Jim? - Nope. - Okay, subscriptions, I'll give you. I'll try a 50 bucks, little life on the road thing. No pets, right? Wouldn't mesh with your life. Anything else that needs to be in your budget, that's not there? - Well, I have to be able to afford whatever my work expenses. - Yes, but I'll quickly do. - How quickly do they expense it back to you? - Two weeks. - Okay, then you should be relatively fine. You just need to make sure you have the balance in your check-in account to actually do it. I wouldn't put it on a credit card that are getting fees and interest added to it. That doesn't make any sense. Why pay for them to cash advance you? That's a little silly. Okay, so I'll actually give you from some funds spending. Not much, like 70 bucks, okay? Give me, you get to go out a couple of times a month. - My, my, please, please. This gives you an extra $1,000 a month. We can make so. much progress, please, please don't be, please, please, what, what, what are you going to fight me against? What? It's, I mean, I'm just, it's just the mechanics, huh? The mechanics that have charged me, that's the bulk of my pay, like the bulk of my debt, yeah. I know. Good. That's in your minimum to payments. Okay. Does that matter? No. It's just how I got here. Okay. Well, no, you could bait off quicker if you weren't spending a shit ton on bullshit, a hundred to dollars a month, a hundred to dollars that could go towards the cars that would pay them off quicker. No, it isn't. You spend more than you made. That's what, that's what put the balance on there initially, but what's preventing you from paying? I went several weeks without paying. What's preventing you from, I don't care. What's preventing you, that if you're going weeks without paying, then why are you going out to eat? You're, you're not making it make sense. You don't have the statements from winners. It doesn't matter. You're spending hundreds of dollars a month in bullshit. Don't input it towards paying off the debt that sucks you got in the first place. And you know why you had the mechanic debt because you chose to live van life. Okay. That's going to come with it. These are your choices. Live with them. Brothers, stop being a victim. Can I tell you how long it's going to pay off your debt? Because that's actually what matters. It takes 17 months. That's not bad at all. It's a year and a half. I know. Do it and you're done. Stop spending hundreds of month of bullshit. But the hundreds you spent, this takes if you only spend on that bullshit, the hundreds of month of bullshit. It takes you almost like four years to pay off your debt. Make it a year and a half, be an adult. Okay. Sick. I believe it's totally possible. My bank. I do the math says. Yeah. It doesn't matter. So my bank told me that they wouldn't work with me for that consolidation. And I see that you're telling me that. You don't need a consolidation. Just pay off your debt. Exactly. I can go to killhammer.com if you need a consolidation in the future. Ladies and gentlemen, get your hammer financial score there. Let's get our hammer. Their hammer financial score. Again, I really do apologize sincerely on that. Spending in a budget. You overspend zero to ten debt. No collections. Bad reasons for the debt. Two out of ten merchants fund. There's a thousand hours, one out of ten retirement. Yeah, you know, you know, I'll give you five out of ten for your age, 25. So four out of ten getting started. You want to be about one times income by the time you're 30 real estate score. I will give you zero because you don't have real estate. And no, that vehicle does not count. That goes against your debt that you owe towards it. And that's why I gave you two inside of a one. Yeah, I was really shocked that my bank wouldn't accept it as collateral. Hammer, why would it hammer financial score? 1.5 out of ten gethers at killhammer.com. Join us. It's going to be a while. You've seen how wild this one is. It's going to be even more wild in the post show uncut uncensored. Three premiums I was supposed to have a single day. Six days a week. Join on YouTube by clicking that join button or link in the description below or download hammerly to go to hammerly.com wherever you want to do it. Hammerly is the same. I both platforms love you the way I see in the post show. I haven't paid my taxes yet. You haven't paid your taxes. You're a take or not a giver. You're f*cking champagne socialists. You live it up. You don't pay a single f*cking thing in taxes. They actually go to the social programs. Then you're saying people need to go pay more money. You don't even know. I'm not paying for imperialism. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.