I Finally Snapped | Financial Audit

- I think I'm just an average person. - No, you're an extremist! - Give me the market rate for income in the States. Don't sit here and cherry pick your data. - You're not even close to aligned with the average person. - You know, you're not listening to me. - I've asked one question. - You refuse to just look it up. - I did, I read the answer. - I'll do it right now. Okay, see, you know what? I can admit when I'm wrong, because-- - Why do I talk to people like you? - I just launched my brand new cookbook, Just Pack a Sandwich. It's full of budget-friendly recipes I love. - It was so good. - Plus a few inspired by your favorite Financial Audit episodes. - McDonald's, McDonald's! - Right now, the only way to get a physical copy is with a full year of Dollar Wise. Go to dollarwise.com or click the link below to get yours. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com/apply or click that link in the description below. - Hi, I'm John, I'm 24 years old. I live in Austin, Texas, and this is Financial Audit. It's rare to get a local in Austin these days. I don't know why, but thanks for coming into the studio, man. What do you do for a living here? - I'm a, what is it, an IT manager for the city of Austin for Ernst & Young. - Sure, why not? What do you make? - $28 an hour. - Okay, well, IT manager. I would like to see a little more than that. 20 is not bad, necessarily, but it's not like the cheapest city in the world. Actually, rent has gone down substantially because we embrace letting developers do it instead of performative policies. - For sure. - Okay, so how many hours a week do you work? - 40. It's a contract to hire position, so I'll be full-time. - Is the wage gonna change at hire? - Yes, so 32, I think it is, but we have wiggle room to negotiate in June of next year. - Okay, okay, so what is your take-home pay now? Wait, when's the hire? - June 27th of next year's. - Oh, of next, okay, so what's your take-home pay now? - About $950 a week. - Okay, $950 a week, not so bad. He wants to know why you're so hostile to all your guests. Have you seen the show? - I don't know, man. - They just typed me that question. I mean, I guess I can answer that. - Yeah, yeah. - Question for you. That's financial audit. - I don't know, I think a big issue that I've had. - Oh, you have an issue with the show. Well, thanks for coming on. - No, no, for sure. - Oh, sure, why don't you vent to me real quick? - No, of course. - Buddy, why don't you tell me? What's going on? - Yeah, no, you can be pretty disrespectful. - Disrespectful? It would be disrespectful if people came on the show, they didn't know what it was, and they didn't consent to it, and they weren't fans of the show, and we didn't put them through the same onboarding process you just went through. - That's fine. - And I didn't ask them what they're known to do, I don't know. Remember if we rewind about, oh, what is it? A minute 41 into filming this episode? If we rewind to four minutes ago when I said, "Hey, what do you not wanna talk about so I can avoid it?" You remember that part? It would be disrespectful if I avoided that part. I would say we're actually the most respectful type of this show ever. In fact, if you talk to anyone that's worked in casting, you'll know we have more onboarding than any other show that exists. - So you think it's fine to just take the entire episode and just misgender somebody 'cause you think it's funny? You think that's fine? You think that's happy? - I don't think I've ever done that intentionally. - Oh, right. - It's not intentional. Yeah, for sure. - No, I really don't. I mean, it is hard in the heat of the moment and I've usually apologized for it. I know we just recently had a blue haired on and that person, Doomsday was the fake name we gave that person. I did because that person looks like a classic woman. What? I'm being, what's this being? What? - No, continue, finish your thought. She looks like a classic woman. You're just gonna sit here and assume her gender. - You just misgendered. - Oh, you're right. - You just did it twice. that works? - Yeah, yeah, yeah. - Yeah, so maybe stop being an obnoxious piece of shit and just know that life is complicated and sometimes it's just easier to call people how they look. Can I call you a man? - Egg all over this right here. Yeah, yeah, I'm a man, yeah. - Okay, then I'm not gonna have, it's not gonna be complicated for me. - Yeah, yeah, no, no, no, I just. - I've never done that intentionally. I don't care if anyone's trans or whatever. I mean, I don't think we should chop balls off of kids, but I don't think. - Oh my God. - Is that controversial? - I don't think that's controversial. - No, I think it's. - To permanently affect children, but once someone's an adult, I don't really care what they do with their body. - I don't understand why people think that they have any right to talk about or formulate their own opinion on how somebody raises their child. - Well, that's how we all do it. You can't abuse your child. Like that is an opinion we all have. - Okay, okay, so do you think like, let's say circumcision is okay. Do you think that's all right? - I think we shouldn't circumcise. I wish I was uncircumcised. - We can agree on that. Right here. Me too. But. - It feels so much better. I mean, higher chance of dick cheese, but you just get in there and clean yourself. Don't you boys back there? I see those Mexicans back there. They are. And stinky. - I think this is a talking point that's very often. - What do you mean? We all have opinions on how people should. We have opinions on everything. There's, if you're homeschooling your kid and you're teaching them that, like the lady I've had on the show, that the earth is flat and the angels control the weather through doors and the ceiling. I have an opinion on that kid being raised that way versus being raised about the planet being the planet and normal weather patterns. Yes, I have an opinion on that. I have an opinion on messing with the kids hormones as they're going through puberty. But again, once someone is an adult and they've gone through that stage, I have no opinion. I really don't care if people transition. - Kids go through hormonal therapy to block hormones, whether or not they're, they're, they're trans like all the time. - So you're saying if they have like issues, yes. - And you don't think that gender dysphoria is an issue. You think that's just like. - It certainly is. But do we cater to every kid's thoughts in every way whatsoever and immediately allowed them to do completely life-changing alteration surgeries? - What's the, what's the harm in it? If they're, if they know. - Well they're changing their lives. - If they know for a fact that this is the way that they feel and that they would like to undergo hormonal therapy or physical changes. - Well this isn't like trans audit by the way, but sure, I'll go down the ramp. - She brought it up. - Round one. - Orange. - Did I? No. - Cutting dicks off of people. Like I didn't do that. - I guess I did it as an example or it's like, I don't think that's an extreme position, but no, no, no. So we have had massive examples throughout COVID, especially where there were more people that thought they were trans. And then a few years later, they're like, oh wait, I'm not. I just went through, you know, a situation. - That's not what the statistics say. They didn't say I'm not. - Anecdotal examples for sure, but we have. - No, no, no, no, no. The numbers say they regret having transitioned. They did not say I am not. I'm no longer trans. - Okay, so they regret transitions. Now if they do. - Do you know why they regret their transitions? - Why? - It's not because they decided they weren't trans anymore. - Okay. - It's because that when you start transitioning, whether that is top or bottom surgery or hormonal therapy or anything like that. - Dicks or tits. - You are alienated in every single asset of your life. - Is that specifically what they said? I thought they were saying because they don't like having life altering surgery when they're a kid. So for example, I mean, you would agree that a kid can't consent to, they shouldn't have a job, they shouldn't drive, they shouldn't sign up for the military, they shouldn't vote, they shouldn't be able to do all these things. Why are we okay with fully chopping off tits and dicks and balls? - Because it's not the- - Why is that the one thing that all of a sudden kids actually can decide for themselves when we don't allow them to do other things? - Because there's not a single child who's making this decision on their own. This is a decision that's being made along with the consent of their parents. - We have a lot of parents though. - Do you know how little of an issue this is on a statistical level? Do you understand? This isn't like 30 kids in every single school in the United States. - I know. - This goes right along the lines of transitioning people in sports and things like that. It's not nearly as big of an issue as people like to make it out to be. - It's not a huge issue, but I don't think it's an extreme position, like I said, to say that we shouldn't be chopping off the dicks of kids. - Shut up, liberal. - I don't think we should. I think that is a perfectly fine medical decision to be made alongside a child who hates themselves. - Okay, okay. - And we're okay with that? Again, I don't think-- - Yes, I'm okay with parents being wrong. I think that's fine, yeah. - Really? So we're okay with a 14-year-old, if the parent consents, the 13, 12, 11-year-old should be able to sign up for the military, should be able to work, should be able to go live on their own, should be able to-- - I didn't say that. I didn't say that. - But only this one thing we're okay with parents dictating. Nothing else. - I got my first job-- - Tattoos. - When I was 13. You can get your learner's permit in the state of Michigan where we're from when you're 13 and change. - You're like 15, right? Permit is they're usually being coached in with someone, like your parents and whatnot. - I've been driving since I was 13 and 14. I got my first job as a corn detasseler working in a goddamn field in Battle Creek when I was 13, right? So these are, it's not, I mean, obviously, there are minimums to this stuff across the board. But yes, kids-- - But a kid can't consent to go have sex if the parents are okay with it. I would say the one thing we actually-- - I lost my virginity when I was 13. - Yeah, but not at the permission of your parents. The thing is, we do-- - They didn't give a shit. - We do actually allow parents to do one thing. - Kids can drink with parental consent at that age in a lot of states. - Okay, I'm not sure the stats on that. That might be a thing, but I don't necessarily support that. - That's fine. - So I don't think-- - But my point is it's not just this one issue. I'm not saying that, okay, kids can't do this, that, and the other thing, but I think it's all right for kids at 13 to make this consent so they can go through hormonal changes and things like that. - For kids, we allow them to marry - Yeah. - And that's not a good thing. - It's not. - Neither is this. - I don't think that's a decision for you to make. Do you have any kids? No, we shouldn't allow parents. No, do you? I don't. Okay, so what are we doing? What was that example? And I don't think that I should be able to do anything I want with my kids. As somebody who has no children and doesn't know what it's like to be gender dysphoric, for them to then make the sweeping generalization that the opinions and feelings of these people who don't feel okay in their bodies to make these types of decisions, they have to go through years of maturing, going through puberty, feeling not like themselves before they can decide to make these decisions. Did you have any emotional regulation issues when you were a teenager? Of course, everyone does. Exactly. Of course. So, like, pile it on top of all the shit you're going through in puberty, your body and mind and everything changing, the way you view the world, all of that. So we allow them to make life-altering surgery when they're going through hard times and complications? On top of that, they have to deal with. The gender dysphoria, not feeling like themselves in their own body. A feeling. And you don't think that that has any increase on, like, your probability of self-hate or anything like that? It probably does. We should get them extreme help. So instead of giving them what they're asking for, with the enthusiastic consent of their parents. Do we just give kids everything they ask for when they throw a fit? With the enthusiastic consent of their parents. I don't care what their parents think. We have parents everywhere. Parents don't teach kids financial education. Yeah, so every single one of them. Every single one of the parents of a transgender kid, they're f***ing retards and they don't know what they're doing. No, I said. That's what he's saying here. No, parents are f***ing all the time. We shouldn't be providing for these children. Okay, you can just yell over me or you can hear my opinion. Oh, yeah, because that's. That's a rich coming from this guy. Well, it's my show, not John's show. Oh, yeah, yeah, yeah. It is the name of the channel. Here it is, here it is. You can look below, it's Caleb Hammer. Here it is, yeah. So that's where I get to control my show, yeah. So, I mean, parents give bad advice when it comes to college all the time, when it comes to personal finances all the time. When it comes to a lot of life choices all the time. No, parents are f***ing. We shouldn't say just this one issue, we're okay with it because the parents are okay with it. Didn't say just this one issue. You just. You just said they're going through a lot of hard times. They're stacking this on top of it. Does that mean all of a sudden we should cater to it? That makes no sense. Cater to what? To them going through hard times, emotional things, all these extra things. So you think giving a child gender-affirming care doesn't at all improve. Life-altering surgeries. Doesn't improve. I'm not saying that. I'm sure there's examples, absolutely. I'm sure there's absolutely examples, but I don't think we should be letting kids do it. Again, I have no problem with trans people at all. If people as consenting adults want to do life-altering surgery, yes. But if someone is going through the complications of puberty, when we're all f***ed up and we're all confused and there's a lot of issues, I don't think that's the time to make a complete life-changing surgery, regardless of what a parent thinks. Because parents can have wild opinions. For those of you who don't know. For those of you who don't understand, top and bottom gender-affirming surgery is a process. It's very similar to going through the surgeries that we used to do for your stomach or whatever for obese people who severely need to lose weight, right? You have to start the process at square one before you can work your way to cutting yourself open and putting a net around your stomach so you're eating less and you're losing weight. Top and bottom surgery is very much the same. Nobody is grabbing a 13-year-old and saying, I don't know about nobody. I'm sure. I'm sure just like how there are people who want to have gay kids. Who are you talking to? No one advocated for this. Oh my god, here we go. What are you. Here we go what? I didn't advocate for that. Nobody starts their transition by cutting their dick or their tits off. Nope, that's not how this works. No one's saying that. So gender-affirming care starts with hormones. No one said this. Are you on here to like advocate for something? Like this isn't what financial law it is. The faster the healings, the faster the deliverance, the faster. But I mean, I'll have a conversation with anyone about anything if you'd like. He brought it up. He brought it up. As an example of it's not an extreme position to think a kid shouldn't have life-altering surgery. That's not an extreme example. I think it is an extreme position for you to think that you have the right to make that decision for somebody's kids regardless. We shouldn't allow parents to do whatever they want. Always. No, we can agree on that. Teaching them whatever they want? Allowing them to do whatever they want? No. This is just an issue you have an opinion about, so you're okay with parents doing it. So you don't think it's government overreach to. Start mandating. I mean, where do you draw the line there, right? There. Like, you can stand on religious grounds and not treat your kid for any number of illnesses in the United States. Yeah, not down to that. That is a freedom that people have. I'm not saying I support that. I don't think that you should let your kids die because you don't believe in doctors. No, I don't like it. But I also don't think that. I'm with you. That it's up to the government to classify gender-affirming care, maybe not necessarily surgery, but gender-affirming care across the board. As child abuse. I think that's ridiculous. I don't know. I just don't think parents should be able to do whatever they want. And I think you kind of agree with it. You just really care about this issue, so this is the one you're okay with. I don't know. It's not an extreme position. Sure. I'm sorry, buddy. It's really not. Again, trans people. No issue. We have them on the show all the time. We love them. Some of our favorite guests. I have plenty of trans friends. No, I'm just saying clearly we don't have an issue because we respect their pronouns. I've helped them budget in transitions on the show. I don't care. Like, I really don't. Vixen's one of our favorite guests when we're in community. I'm in communication with her constantly. That's fine. He is the one who brought it up. That's all I'm saying. Yeah, but you're the one that fought about it for 10 minutes. I didn't really care. I was just saying it's not an extreme example. And I disagree. That's like the whole point of the show, right? What? To have these discussions. This discussion? No, we've never had this discussion before. You want to bring something up and then get my response to it and then just ignore it. I'm okay with you talking about it if you want to. I'm not freaking with you. You're the one who brought it. You brought it up. Okay, yeah. I mean, it wasn't as like an aggressive conversational topic, but no, I was more bringing up like they typed me a note at the beginning that you just thought I was being rude to people. I haven't even been rude to you. And I think, I mean. No, no, this has been great. You have a pretty crazy opinion. I'm having a lot of fun, yeah. Yeah. So no, I'm sorry. Controversial take here. I don't think parents should be able to do whatever they want to their kids no matter what. No questions asked. That's not what I said. Okay. Wild. Again, no issue with trans. Just kids going through puberty. Hard times. Hard times. If I got to do anything. Anything I wanted that I felt at puberty, I would be regretting it now. Life is very situational. Most of the imprinting and things that happen in life that determine our life are things that we experience. And my first exposure to was like gay because of my best friend's sister. So I experienced that. So I thought I was that way. I grew, lived life and realized I wasn't. Imagine if I had in that moment the ability to, and I saw like trans something. I thought I was trans and I had trans. And I was able to literally go through it. That's not how being trans works, dude. You don't just think you're trans. Okay. But I just thought I was gay. It's just like how I don't make the decision that I'm bisexual. It's not something that you can just choose. But you're not listening to my real world experience. Gotcha, bitch. You're dismissing it. I just explained my entire thing, how it happened. Okay. I don't think you're just listening to my point though. My point was if I experienced that in my, dude, my hormones are crazy. And my parents were just listening to me and they went along with it because that's what like our culture was like at the time. I could have, my life would be completely different now. Again, once someone's an adult, fully transition, I don't give a f**k. Do it. All about it. All about it. Let's go. Let's f**king go. I'll pay for it. Let's go. Let's get those fresh brand new pair of tits. Let's go. Nobody's accusing you of having an issue with people transitioning. I just think. Yeah, but I do have to clarify that because people like you in the comments will be absolutely. People like me in the comments. Yeah. Yeah. I mean, yeah. I mean, you are in a political worldview camp where your mind's already determined on this and you think it's like totally good no matter what. That is not what I said. Well, just listening to your words. So at that point, you've already decided that you're in full support of this. So obviously it's not compared to anything for people that are completely anti-trans. It is actually as bad. It's obviously not to me, but even still your argument saying just I'm okay with people doing whatever they want if they choose. Then you say it again because it was pretty close to that. Say it again. Say what you said. I don't think it's up to. It's up to you or me or the government to make decisions about medical transitions for people's children. But for minors, things are different. We make those choices all the time as a government. Yes, we do. What happens to kids? Absolutely we do. As a society, 100%, every society does. What are you talking about? Okay, give me an example. Vaccine mandates. Okay, well. Okay, there we go. No, no, no, no, no, no, no, no. Hey, hang on. Vaccine mandates didn't enact on anybody unless they were over 60. Or the age of 16 when COVID was happening. That's a fact. When I say vaccine mandates, you only think of the COVID vaccine? I bet your brain only does. Yeah. That's the main talking point when they're brought up. Not for me. I don't give a. Okay, fine. Let's talk about measles then. Oh, my God. Like, can we talk about like the political and economic state of the world right now? An illness that is mandated. I don't give a. What are you on about, dude? You brought it up. What the are you talking about? Measles? Vaccine mandates. Vaccine mandates. I don't want to talk about it. I don't want to talk about COVID. I don't want to talk about measles. I don't want to talk about vaccines at all, but I'll bring it up, though. Dude, get a hold of yourself. Again, like there's educational rules that we have. Even if homeschooled, they have to pass certain tests and whatnot. We don't allow them to do whatever. There's some religious exemptions. I do know that. Never once have words left my mouth that people should be able to do whatever they want to their children. You just asked. You asked me to give examples. That's what I'm doing. I'm just trying to prove a point that I never made. No, I'm literally just asking. Your question, dude. I don't know what you're on about. I'm literally just answering your question. I'm not trying to make a point. You asked for examples. I never said people should be allowed to do whatever they want. He's said it four times now. Oh, maybe. I don't know, but I'm literally right now just answering your question. Okay, go ahead. Am I allowed? I just did. So requirements are set by individual states and sometimes local jurisdictions when it comes to attendance at public schools and private schools and child care facilities. So core vaccines required for kids in nearly all states for kindergarten and school entry, DTAP, polio, MMR, and chickenpox. So obviously, yes, there is some that don't, and there's some homeschoolers, there's some weirdos. I got you. But there you go. I answered your question. I mean, obviously, you have to play and do it for the show. That's kind of the premise. You have this superiority complex. I'm not doing anything. Let me finish. You asked me a question. Let me answer. You have this superiority complex with your guests because, obviously, they've made their own financial decisions and mistakes, and, obviously, they come. They come in here because they want to try to do better, and you tend to share a lot of— Do the show? Yeah. Okay. Yes, I'm sorry that every episode is exactly what you would think it is. What? What's the point you're trying to make? Superiority complex, I don't come in with that. I just have fun. We roast. We goon. We go crazy. We have some Springer energy, and we do a financial audit. It's a good time. I don't have a fucking superiority complex over there. A lot of them have better parts of their lives than I do. I don't know. I own a family. Some of them have a great family. I've seen some beautiful fucking families here. I don't have a full superiority complex. I don't know, dude. I do better with my money than them. That's what I'm saying. Well, that's just a fact. That's the point of the show, right? I get that. Yeah, no shit. What's your point? I think it would be helpful for you to kind of take into account the current economic situation that most people are operating under. What's the current economic situation? Oh, God. Where do I start? With the current economic situation. Here we go. You'll love this one. The federal minimum wage has been the same for the last almost 20 years. Very good. What percentage of the U.S. population is working on the federal minimum wage? One. Less. You saw the clip. One percent of people work for the federal minimum wage. But that completely negates the fact that 55 million people live in states that have the federal minimum wage down at $7.25 an hour. Like here in Texas where you can't hire someone for less than $15. So that's the market demanding. No, no, no. See? I understand that. Losing weight on your own can feel like a fight you keep losing where the only thing actually lost is thousands of dollars. The better option? Weight loss by HIMSS which offers access to the FDA approved Wegovi pill and the Wegovi pen. Weight loss by HIMSS is designed to support you at every step of the process. And with Wegovi, you can lose up to 20% of your body weight. 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You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not bad. They're very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start today. Get the free trial. DollarWise.com. Link in the description below. The market rate is $12 to $15, right? For fast food. But you're ignoring the anchor effect. Back in 1986, or no, it was 80, sorry, 68. 1968, the minimum wage was $1.23 an hour. Extrapolate that over time for inflation is about $15 an hour. Oh, yeah. Absolutely. And it proved that it didn't matter. Do you know what the market rate was back in 68? Do you know what the market rate was? It was just about $30. an hour. For the median pay? Yes. You can look it up. You can look it up. Market rate was just about $30 an hour. Okay. For entry-level work, because that's what we're comparing. Yes. Because the 12 to 15 you brought up right now is for working at McDonald's. My point is. Okay. He's ignoring that. No, I'm not. I'm getting there. My point is, and this is the entire backbone for the proposed raise for the- What year did you say? 1968. Okay. My point is the federal minimum sets the standard for the entirety of the economy. Wealth in any economy is built from the ground up. We've seen over the last, I don't know, 20 years that trickle-down economics just don't work. And so when your wage floor is all the way down at $7.25 an hour, people are allowed to pay people around $12 to $15 an hour and make it look competitive. Objectively, we have the highest disposable income in the history of human civilization. See, this is an anti-intellectual take right here. Is it? Because he's completely ignoring the- No, no, no. You just said it doesn't work. But if we have statistically the highest disposable income anywhere in the world, what hasn't worked there? If capitalism is so bad, why has poverty fallen off a cliff the moment that the world got more capitalistic? Okay. So- Well, you can answer the question. Try to answer mine. We join our heroes locked in a battle of wits. The metric that you're using for nationwide doesn't take into account the fact that- The average, median. Right. I understand. Median's better. I understand. What are you going to use? Anecdotal examples? I'm saying from 2011 to 2019, your argument makes sense, right? 2011 to 2019, things were stable. Rent was affordable. Free me. You know, capitalism here- Oh my God. You shouldn't even let me answer this goddamn question. Well, it's my show. Thank you. You know what channel you're on. The thing is, and you went through the onboarding process. Don't act like a whiny little bitch, baby. The reality is in Austin, Texas, where we allowed capitalism instead of performing policies like you, rent is nationwide. It's incredibly low here. Oh, I understand that. Oh, yeah. Especially over the last few years. Capitalism is very good. I'm not anti-capitalist. We did great here. You can't say rent high. Rent is cheaper here than it was in the golden years you're complaining about. It was. I mean, it is. Yeah. The income to rent ratio now, because of the most recent housing collapse- Boom, because we built. Here in Texas. No, housing boom, but yeah. Well, sure. I'm talking purely financial. My point is, the income to rent ratio in Austin is lower than it's been in ages. Because we did capitalist policies. Yes. I'm not saying that I'm anti-capitalist. I'm not saying that I'm anti-theft market. Compared to the year you just did and you said rent's more expensive now. No, it's not. I'm talking nationwide, dude. In good places. I don't care. I'm talking nationwide. But if LA has insane rent policies and they skew the statistics, I'm not going to fuck with them. Oh, my God. Is that not unfair? I don't even know what you mean by that, dude. He's not debating the point that I'm making. Yes, I am. No, you're not. My overarching point here is when the wage floor is stuck at $7.25 a year. So I want to actually answer your question, so I am going to interrupt you. So the entry level wage then historically, sorry, the median entry level pay was actually typically the federal minimum wage of $1.60 per hour then. That's what is found through, let's see, that is going through NewYork.gov. And adjusted for inflation today, that would be $15.30. $15.30. You said $20. You were wrong. You lied. No. Yeah. The median entry level pay. The federal minimum wage is $15. Look up the market rate. Look up the market rate right now. The market rate in 1968. Pause for a second. I just did. What? No, no, no. You fucking cherry picked the problem. No, I didn't. Yes, you did. No, I didn't. Entry level wage. Yes, because that's what we were talking about. I want you to enter in a search bar. I said the, okay. Then we're doing median pay? The $7.25 an hour doesn't mean anything because the market rate is $15 here in the United States. So let me ask you a question. Back when the federal minimum wage equivalent of. You're being bleeped right now. Oh yeah. This guy. It's being bleeped. Okay. So let me ask for clarification then, because what I did was actually look up what I thought we were agreeing to, because I want to walk through the example you gave. You said federal minimum wage back then was $1.60. And you were talking about for that job, people making minimum wage or people making the market rate here in Austin, the market rate was $1.60. I didn't say anything about Austin. I said nationwide. Okay. You said the 12 to 15 market rate dollar. You were giving that example. What's the 12 to $15 market rate? That's entry-level fast food work. So I compared what was the median for entry-level fast food work then in today's dollar, but that's we're comparing. Do you want me to say no, no, no, no, no, no, no, we're not because we have federal minimum wage and market rate. He's comparing federal minimum wage and market rate currently to federal minimum wage and fast food work and not the market rate. The market rate for the average market rate for the nation for the nation. Okay. What's the average market rate now? It's not 12 to 15. When you said 12 to 15, that's the average What is the average market rate for entry-level fast food? Oh, my God. The market rate right now is 12 to 15. For entry-level fast food? For everything. What was that? Look it up. Look it up right now. The market rate for income in the United States is about double the federal minimum wage. That's how it's always worked. Okay. Read me what you typed in. Yes. What is the average market rate for income in the United States right now? Is that good? Go for it. Is that good enough for you? Good enough for me. So, he says 12 to 15, which we all know is incorrect because we live in the real world and we actually work for a living and we're able to read employment rates. Just read the results. It's going. What? You don't want me to read? Cherry pick your data, dude. I'm not cherry picking. Read it. Just read what you have in front of you. $45,000 a year. And what does that work out to hourly? Let's figure that out. And that was two years ago, by the way. Mm-hmm. That was 24 data. Oh, sorry. Full-time worker median earning 65,000 hours. The median income for. Oh, my God. The median income for a United States citizen now is between 63 and 65. Yes. Yeah. That's not the market rate. Well, what are you. What's the. Give me the market rate for income in the States. Okay. What are we going to consider the market rate if it's not median? Give me an hourly wage. Not the median. The market rate. Just look up the fucking market rate, dude. The market rate is not like. A thing. He refuses because he knows he's wrong. No, I don't. I'm trying to ask for clarification. It's not a thing. I'm literally asking you. Now it doesn't exist. Dude. He's got a fucking laptop in front of him and he can't fucking look up what is the market rate in the United States hourly and tell me because he knows it is $12 to $15 if not a. Do you know why? I'll do it. Do you know why I said that? Give it to me. I'll look it up. Come on, show me. Come on. Pause. Just fucking do it. You are. This guy is so fucking funny. You're so fucking weird. You're such a freak. I'm such a freak, yeah, and I'm a retard. Well, yes. Yeah. So it specifically says full-time median earning 65,000 hours is a better market rate for what a typical full-time employee earns. The market rate isn't like a statistic that is reported by the Fed on a monthly basis. You have like. You're using a term that doesn't officially exist, so we're trying to get something that's closest to it. So we're going to argue definitions instead of looking up what the market rate is. No, I'm trying to figure out what do you consider a market rate because that's not something you can look up because it's not a real reported statistic. Okay, so for 68, I can look it up. I can look up what is the market rate, and it's about $3.05 an hour for 68, which extrapolates to around $30 an hour. You're not listening to me. No, you're not fucking listening to me. No, I've asked one question. You refuse to just look it up. I did. I read the answer. I'll do it right now. Watch this. Okay, you do it. I literally read the answer. I'm just asking what you consider the market rate. What is the market rate? The market rate. That's not something reported by the Federal Reserve. That's not something that's reported by the Federal Reserve. You're asking me to look up something that doesn't exist. Oh, yeah. I can admit when I'm wrong. Why do I talk to people like you? The average market rate for hourly income in the United States, if you would have just Googled it, would have just given you the answer. Google. I'm trying to pull from sources, man, not just a Google. It's from the Bureau of Labor Statistics, dude. Okay, Bureau of Labor Statistics is usually pretty good. I usually try to go off of Fed reports. He's shaking. Do you see that in his hands? A lot of caffeine. Okay, and what did it say? About $30 an hour. Why do we deal with people like this? I don't know. Okay, so. Market rate of $14, $15 an hour is a quote that I pulled from a recent episode, so I figured that'd be the stance that you took. Episode of what? Your show. Yeah, I was saying for people to go get an entry-level fast food job right now. But the words you used were market rate. Those were quoted directly from you. I am a flubber of words. I probably missed a couple words, and what I was certainly trying to say, because I know what's at least in my brain, is that's what they could go work and get right now at Dairy Queen in Austin. So I don't understand the current economic situation in the United States on this show you're saying? And that was your first example? Well, I think I do, because I literally read the data. I watch every Fed meeting every month. My point is. It's kind of my obsession. That's good. That's cool. So I'm actually in the data, yes. I do understand the current economic situations in the United States. So where else am I failing my understanding? I'm just saying, not only has the federal minimum wage been stagnant for the last 16 years. Which doesn't matter, because less than 1% make it. Did you know what happened in Seattle when they raised the minimum wage for fast food? For, like, delivery? Delivery drivers. No. I'll tell you what happened. Everyone made more money. Mm-hmm. But, the pool of money that was going out was actually the same. It was just less people making more money. So it benefited about 60% that were able to make more money, but when they raised the mandatory minimum pay for those delivery drivers, about 40% of them ended up going to zero. That's not fair to the 40%. I'm not anti-minimum wage as a concept, but we do have to understand economic realities. And when we have performative policies, we need to realize what the actual outcomes and potential consequences might be. That's not bad. That's not radical. Buddy, you look at me and, I mean, what do you think my politics are? I have no idea, because you flip-flop every single time you're on the show. I flip-flop? Yeah, you— I'm consistent about my positions. Okay, fine. Where do I flip-flop? Basically, anytime anybody thinks anything on the show, you will just invert that, and those are your beliefs. Tell me, what's my beliefs, then? I don't know, like I said, they change constantly. Okay, what did I change? If I give you an example, you're just going to say it was the opposite. You're going to say it was the opposite. Give me an example I changed. He's not listening. What? I can't give you an example, because you're just going to tell— you're just going to claim that the opposite is your beliefs. Fine, I'll be quiet. Just give me an example. Okay, so what else do I not understand about the current economic situation? When I give you a financial audit here in a few minutes, what do I not understand about the current economic situation that would impact us? I mean, so, because not only is the wage floor the same as it's been for the last 20 years almost, but the average dollar that you make is about 30% less spending power than it did within the same 20— or maybe since, like, 2011, at least. And so, my point isn't that my financial mistakes are the fault of capitalism or anything. I'm more than willing to take full responsibility of the fact that I made these decisions, and I'm in— my debt for this exact reason. But I'm saying that the current economic situation that we're in, with the lack of spending power for the American dollar, is a big part of the reason why it's so difficult to then focus on paying all of that off. I haven't used a credit card or taken out a loan other than my car loan— Personal choices. —for the last six years, right? Well done. I've been living paycheck to paycheck because I do want to pay this stuff off. I know that I put myself in this situation. But I just think you could stand to be a little more understanding of the— I am understanding. And that's my entire point. It's like— What? No, it wasn't. You were saying I'm not. Oh, my God. I'm saying I am. How am I not understanding? You made personal choices to not open credit cards and take out loans. You are reaping the rewards of that. I just—you tend to be very combative about— Are you complaining about the show that you applied to be on? Yeah, that was part of the premise of my pitch document, yes. Well, I don't read those. I don't know. I have producers. I have a team. I employ people. I'm a job creator. I'm a provider. I actually contribute to society. Very nice. That's very nice. I don't just take and complain and then have wrong stats. All I do is take and complain. Yeah, that's fine. Just assuming. Just assuming. This is people like you, typically. Okay, so this is to go off of 2011, which is what you brought up because we like to be informed here. Cumulative CPI. I don't know what CPI is. Consumer Price Index. You're talking about inflation. You don't even know what CPI is. I'm literally just going to—let's just end the show. It's 48.5%. Median wages have gone up for household, 67% since then. Okay. So you're wrong. Okay, I'm sure you're wrong. It outpaced inflation by 20%. Yeah. That's not true at all. Actually, that was Bureau of Labor Statistics data. Your favorite. Do you know anything about the median—what is it? The median house price ratio in the United States, where it should be at. Absolutely. Where it should be? Do you know where the soft upper limit for that is based on like any financial advice? I know it's horrendous. You and I agree on it's horrendous. It should be around 2.5. We're almost at a 6 right now. Sure, but what's your proposed policy to get it there? Here's my thing, right? When the federal minimum wage was— Okay, no proposed policy. Yeah, no, just don't let me answer the question, dude. When the federal minimum wage was the equivalent of $15 an hour and the wage floor was— The equivalent of $15 an hour and the market rate was around $30 an hour for the average person in '68, the average income-to-house price ratio was about a 2.3, I think it was, or maybe closer to 3%. Sure. Let's go with this. Three for the ratio. You never know your numbers, but I'll pretend like that's true. Sure. Yeah. My point is buying a house then and even until the early 2000s, as it creeped closer to like 4, was a lot easier. 100%. All the way up until, I mean, after, you know, not even going to go into the housing crisis, all the way up until like 2011 to 2019, things were hovering around like a 5.3. 100%. fine as long as you got into the housing market and you wanted to buy before covid it wasn't easy i'm not saying that millennials had an easy like go at getting a house no but it is not only at a 5.8 now it went from a preaching to you guys you see that it's not only a 5.8 now but it's it went from a where it was before covid to a 5.8 within a 36 month period yes very good so so what's your proposed policy i'm saying the reason that it was more affordable are you just complaining or do you have a proposed policy the reason it was more affordable and the reason the ratio was was lower as it should have been was because the wage floor was higher because wealth built in any economy is built from the bottom very good and not the top okay so pause i allowed you to go for a couple minutes there so you're gonna allow me to go there we already established as we looked at the data that actually when it came to wages uh it has kept up and wages are good but what has changed since 2020 house prices housing prices is what has been affected it's not a wage problem wage problems haven't been affected we have the highest disposable income as a major nation in the western world yeah that's not how that works no no no i'm i'm not concluded by my point i'm not no my point wasn't concluded you're focusing on the wrong problem you want wages that have been doing this consistently and housing prices that did this consistently and did this you want wages to go with it no we need to bring housing prices back to the normal not have if you have wages do this we'll have an inflation period that makes 2020 look like pennies looks like nothing in order to do that the actual policies to advocate for is making sure that people aren't able to abuse environmental protections with frivolous lawsuits to prevent building to allow getting rid of parking minimums allow us to build higher density allow us to build more on lots allow us to build higher and getting rid of insane zoning laws that's an actual policy worth going for i can agree you're focusing on the wrong thing though buddy because we know from your own argument of what you looked up and confirmed and admitted that you're wrong wages are not bad and when you will have inflationary years i know when i did that 2011 to now you'll have inflationary years like through covid where inflation outpaced inflation but we know from 2011 which was just i only picked that year because he picked the year that we know wages have outpaced inflation so in reality the issue there has been housing prices not the lack of wages keeping pace with housing prices we need to affect the real laws and luckily bipartisan just passed the law and now it's in didn't though they didn't pass it yes they did donald trump refused to sign it doesn't matter it doesn't matter two weeks after if he doesn't sign it or veto it it became law it became law last weekend you don't know anything you talk you preach you're a bitch you know nothing yeah i'm a bitch it became law you can't talk about things if you don't know you can't it's law right now and what it did was it tried to get rid of the loopholes of those environmental protections i know i know i know i know plenty about the the bill other than he didn't know it became law i sure yeah i didn't know it became law i mean that's a pretty crucial part i mean i i would say it was actually the most important part whether or not it's like uh implemented so that's what's the advocate for again when policies become performative and they become tiktok and reddit it doesn't actually result in anything if you want real results that help people you need to actually think about the real outcome the real outcome trying to make housing more affordable like we did in austin like they did in austin florida they built they went up it works take real things that work instead of being performative i understand that building more housing you're right is that that still like incentivizes my point there's there incentivizes your point the reason that housing is so expensive nationwide is because of artificial scarcity created by the housing market people uh what about it i'm getting there okay the end of at the end of covid uh eviction moratoriums ended the supply chain shortages that allowed that delayed or canceled a lot of productions uh ended and uh uh single investors and hedge funds or what have you bought up single family homes and turned them into forever rentals absolutely this is artificial scarcity that is pricing people out of the housing can i ask just a clarification question as you're going on he's already dead uh what percentage of private equity firms own single family homes i have no idea what percentage of single family homes are owned by a private equity firms that own more than 500 it's less than one percent it's less than one percent you you can't ignore that it's a contributing factor though it's actually not it's actually a performative policy it's actually a populist policy it's a sloppiness policy that isn't a contributing factor in fact the vast majority of the houses single family houses that private equity owns are uh places that were built to be rent they didn't buy a house that already existed it's less than one percent the majority of landlords uh for the single family homes it's the ma and pa and that's still only 10 percent and that's the biggest chunk by far about it's like 85 is owned by the people that live there for single family homes no and guess what rent moratorium we didn't have that here in austin and our housing costs went down i'm talking because again why do you keep pulling it to us because there's places that have policies that aren't performative that actually succeeded and then you have places that had those policies like in la that failed guys you've known me since the beginning and the fact is i just love building products that help people and we're continuing to do that with the caleb hammer financial services listen now you got personal loans that you can get the best rates on forever you want to use it for whether it's consolidation after you change your behavior or you need to purchase something that gets a good return on investment and now we got credit building as well you can shop for the best credit builders that are either free or low cost to you and build that credit we got debt forgiveness and debt consolidation as well we got auto loans for your new car that are great for you and you can get the best rates on forever you want to use it for whether it's rates or you can refinance your horrible auto loan today and not only that now you can shop for the best car insurance out there the thing is we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates so check those out at calebhammer.com all those links are below in the caleb hammer financial services check them out save yourself a lot of money if you or your child spent years growing up on social media and experienced serious mental health struggles you should hear this recently a jury ordered meta and others to pay millions for the role in designing and promoting addictive platforms they knew their apps could contribute to anxiety depression and body image issues but did not share those risks while prioritizing profits the recent historic verdict underscores the consequences of those decisions now morgan and morgan is stepping up to hold these platforms accountable for the harm they cause click the link in my bio to take a short quiz you may be entitled to a potential recovery of over one thousand dollars all that matters is the real world and the results in the end and if you go on the private equity and i don't even like private equity don't have me defending them but if you don't even know the data around it don't fall for some sloppilism because you won't actually impact anything in the end they only included that in the bail bill because that's what's making people be an uproar right now but it's it's less than one percent those major private equity firms for single now they own a lot of apartment complexes but you're not going to the apartment complex down the street and buying an apartment it's not a condo building so it doesn't matter so do you want to say something else that's wrong or do you want to yeah maybe you just have personal choices and bad opinions and you're not informed no uh again i'm not trying to blame my financial situation on macroeconomic issues i know that the reason that i'm in debt is for my own my own decisions that i've made um my entire point is uh the the rental market isn't a safety net anymore either safety net ever since it's cheaper to rent than own it is almost the same amount in a lot of major unless you want to live in the middle of utah housing did not be all of a sudden become $20,000 a year in the middle of utah housing did not become all of a sudden become $20,000 a year 20% more better when it became more expensive huh how's it going to become more better when it became more expensive wait what what what are you saying since the end of covid the rental industry has jumped by almost i mean that's a conservative estimate is 20 it's not it's not economically viable to rent instead of instead of saving it's not economically viable to both rent and save to own a home like you need to own a home what do you mean why why wouldn't you want to own a home you can if you want to why do you need to i don't understand i don't understand the question why why wouldn't you why wouldn't you need to own a home why why why would you want to build equity in a home you'll never own why is that something that you think is a good no because if renting is cheaper you can invest more in the market and the market outperforms the housing market meaning you make the average person doesn't make enough money to both rent and save to you do understand that you have to save the rent to home price ratio right now is all you have to do to save the rent to home price ratio right now is all you have to do to save almost six okay that means you'd have to save every dime you make for almost six years to afford to own a home in the united states you were wrong about something i need to actually say the real stats so that people out there can be informed because this guy just spews bullshit as of march 2026 and all fifth in the top 50 largest metros it was averaged out to 920 more a month to own a starter home than to rent a good apartment i'm talking about medium income for median priced homes in the united states dude that is that's the top 50 okay fine uh in u.s. counties um it's 42 percent 42 percent and it's the rural areas that you're talking about where it's actually cheaper to own than rent nationwide yeah but you were making the excuse of the rural world no that's where it's cheaper to rent no that's actually where it's cheaper to own but if you're in a major metro all 50 it is much cheaper to rent now i would love people to buy houses if they want to but we do know that extra 920 dollars instead of being put in a house you own in the top five major metros if you put that in the market it would make more money but if you want to buy it you can buy it in the market it would make more money but if you want to buy I'm totally down with that. People think I'm like against buying. I'm not. Buy. But even less. leftist finance creator Ramit, or Ramit, whatever, he's like the me with a lot less views, and he's very lefty, and that's okay. He can have those opinions. He's rent. He says no one should buy. I mean, yeah, I don't think there's any. This is across the spectrum. It's just math. I think people can buy, but we do know renting is cheaper, and if that extra $920 went into the S&P 500 versus a mortgage in riding the housing market, you would make more money. So why do you need to buy then? Because you were just proven wrong, so why do you need to buy? The majority of people aren't comfortable putting their money into a stock market instead of holding onto it in a high-yield savings account. Well, that's their fault. That's a personal choice then, and they're failures. They're failures. Yes. You think it's a financially safe decision while you're taking all of your savings and putting it and gambling it in the stock market instead of just holding onto it in a high-yield savings account. No financial advisor would recommend what you're advising. Not one. Certified financial planner. What percentage of people have a financial advisor? What? That wasn't the point I was making. Just no expert would advise what you're saying. No one says throw all your savings in there. No, you should have a six-month emergency fund in a high-yield savings, and then while you're young, take more risk in the market, and as you get older, get towards more conservative things like bonds. I don't know a single person in all 24 of my years. I think I know two people who trade at all. Trade? This is just investing in like your 401k, IRA, trade. Have you ever considered that maybe you and your life have surrounded yourself in a bubble of people that only have your perspective? Sure. Have you potentially considered that ever? Sure. And maybe you need a little exposure to the outside world because have you realized how many things have been fact-checked that you said that are completely wrong? Like, it's an interesting thing. I want to be proven wrong all the time because you know what happens when I'm proven wrong? When I'm proven wrong by something or work by one of these people, we get better results. Because then we know what's right. But you need to be proven wrong with data. And you're just coming on here talking about performative policies that are like jerking off. And it's just, honestly, it's really sad because you're just in a bubble. You need exposure to more ideas. It's just because you're hyper on the far left. And that's just where you are. And that sucks. Same thing on the far right. Have you seen what they do in their like streams and shit? They're also in a bubble and they're crazy. Come to the middle with me, buddy. Just listen to data. You can lean left and right on specific issues. No issue with that. But start from a place of neutrality, not from a place of your bubble and you have to align with your ideology and you'll get much more progress done. You know, the abundance movement came from left-wing thinkers. They're the builders. They're the ones who are doing parking minimums, killing those and building up. But you know the places that implemented them? Texas, Florida, red places. It should be places like LA and New York that are doing abundance, but they're not. You know what real policies and real capitalism has done versus performative policies? In Texas, it has led us to outpace California on solar, wind, and battery. Because we allowed the market to just do the market instead of be performative and try to do it via government. It didn't work. All we did was build the infrastructure of building power lines out there, but it was built out there for the oil fields in West Texas. But then the market said, you know what? Wind and solar is going to be really good too. So. I just like reality. Oops. I guess I'm an evil fascist. Never said that. No, I know. But it is what people like you will say. And apparently you hated that I went on Joe Rogan too because I guess talking to people is bad. I don't have a problem with you going on Joe Rogan as much as I have a problem with Joe Rogan. I bet you and him agree more socially than even you and I agree. And I'm like decently left socially. The guy doesn't really stand for anything. Yes, he does. He has opinions all the time. Well, yeah, he's very conservative. And other than like, conservative. He's conservative leaning. But like. Not socially though. Other than like immigration. The guy will platform basically anybody. What? Platform? You should talk to everyone because sunlight's the best disinfectant. I platform everybody. I have right and left just like you. I don't really know how to respond to that. Because there is no real response. You cancel culture freaks that won't platform. Cancel culture freaks. Yeah, freaks that won't platform is why crazy radical ideas become so big because they're stuck in a bubble and more people just get there instead of their ideas being exposed. I'm sorry. If I appreciate like an intellectual conversation had between two people who actually believe in something instead of some guy who will sit at a desk and yes, sir. Yes, ma'am. Every single person that he puts on his show. You know he just fought JD Vance for like two hours the other day. No, because I don't watch his goddamn show. Well, then how can you comment on it? His supporters were complaining about that episode because he was pushing back on everything JD Vance said. So are you complaining about another thing that you're not informed on? Are you doing that again, guy? Sure. I thought you said you liked an intellectual conversation between two people. I wish you could provide that. Yeah, I don't. I just, I wish we, I mean, because there are things that we agree on, right? Like, yeah. What do we agree on? I think, I think that you're right. Gay people, great. Love them. Stick it in the ass. Let's go. I'm talking about. Yummy. Toss in that salad. What the fuck are you talking about? I'm talking more along the lines of like, like housing development and things like that. We both want high speed rail, right? More public infrastructure. In case you haven't noticed, you've fallen right into my trap. But guess what? The only thing is, you will never achieve it because you will allow antisocial behavior to exist in public transportation. You don't even know what that is? That's like in Austin where you just allow homeless people to ride on it all day because that's their air conditioning. No one uses the buses here because of that. So it's underfunded because no one uses it and no one wants to support it and we can't build good infrastructure. People use the bus all the time. In Austin? Yes. The ridership rate is horrendous. You want me to get it for you? I don't know. The all the time thing? This is what happens. Antisocial behavior means normal people will not use public transportation which means there's no support So what? We're going to throw homeless people in prison for sitting on a bus? I didn't say that but if you allow antisocial behavior, if you allow someone to commit a crime and immediately let them on the street with no cash bail, that is supporting. Commit a crime? Yes. You think somebody should be arrested and put in jail for sitting on a bus? I didn't say that. I said if someone commits a crime, what does that have to do with public transit? Antisocial behavior happens all the time on public transit. People are arrested and immediately let on no cash bail. Then they commit it again. Then it leads to like a murder in the end. And that's usually policies like people like you. So we both want public transportation. I just want people to actually support it and use it by getting rid of antisocial behavior. In San Francisco, Democrat mayor, Democratic mayor, but he is center left, came in there after a progressive like you was mayor and they kicked her out in D.A. Now this guy said, actually, you have to just pay your minimum fare to come on and we're going to enforce that. Antisocial behavior collapsed. Ridership is up. Whoa! That's crazy! And he's just a good, normal, solid dude on the left. And I love that. He is like a Bill Clinton Democrat and I'm like, fuck yeah. Get that dick sucked under the desk. I'm all about that. That is freedom. That is America. How did that guy get hate for that? Get your dick sucked. What are we doing? Blowjobs are great. This is crazy. He's just a normal Bill Clinton Democrat. Nothing wrong with that. I, uh, if you want to talk about the Democrats, we can talk about the Democrats. No, I don't. I just wanted to talk about public transportation. Like, we agree on we want the world to be better. You just don't have actual policies to get there. Sure. I mean, I'm not a politician. Um, I can only- You're a voter! You should have ideas and- Yes, I have policies that I, that I, that I champion and that I support. Just not based on data. Sure. It's not my job to memorize statistics. You shouldn't have a policy proposal if you don't know the data around it. If you don't know the outcome of what that policy proposal is going to get you, yes, you actually shouldn't have it. It is your job. As a responsible citizen, as a voter, it is. In our republic, absolutely. In our democracy, absolutely. You need to be informed. You're not. You're in a bubble. Can I see your TikTok? I don't use TikTok. Reddit? I can show you my Instagram. Reddit? I don't use Reddit. Instagram? Yeah. You just use those racist reels. You fell down the boring part. Okay. I just like normal people. Not radicals. Yeah. No, you are on a radical political spectrum. Yeah, yeah, yeah. I'm a democratic socialist. Yeah, that's not good. Buddy. Okay. Tell me what's going on. I don't f***ing know. I've allowed you to take way too much of my time with this stuff. I'm not a political debater. This isn't even my shit. I just enjoy the analytics and I enjoy markets. That's it. That's f***ing it. And I don't want kids to cut their balls off. I don't know. What else? What's going on here? What am I looking at? Yeah. My dominoes should bail you out? What's going on? No, no, no, no. No, I'm kidding. Again, I don't even f***ing Let's draw a line there. Let's draw a line there. My whole entire point is like No, no, no. No, no, no. He asked me a question so I'm going to answer it. I asked you what's going on here. Yes, yes, yes, yes. And I'm not I'm going to characterize myself accurately. This was my question. Just what's going on here? My financial My macroeconomic beliefs and my own financial irresponsibility are not the same. They do not correlate. I'm not saying that social programs Please tell me what's going on here. Yeah. When I was 18 my mom and dad opened up credit cards for me and told me to start spending money on them and paying it off as I started working. So, yeah. You have collections of this in this account of $20,000 $20,000 $20,570 Sounds like a responsible person. No. These are mistakes that I made when I was 18 and 19 years old. I'm not saying that they're not my fault. Say again? Why aren't you paying on them now? I've been living paycheck to paycheck for the last six years. Why? What's your job? I didn't even ask that. You didn't even let me ask that at the beginning. Yeah, we did. What is it? I'm an IT manager for the city of Austin. Oh, right. You don't make much money. Okay, what life choices did you make that are your fault only to make you paycheck to paycheck? Well, when I first moved out to Austin, housing was a lot more expensive. The most affordable. The most affordable apartment I could find was about $1,400. When did you move here? Because it hasn't been expensive for like four years. Yeah, but I moved here in 2021. Okay, so you had one year of expenses, four years of not. Sure. Okay. What a victim! Oh, my God. Yeah, I am. What hits your account on a monthly basis? Say again? Oh, $4,116. You're not paycheck to paycheck. You're choice to choice. I moved back to Austin in February with my girlfriend, so expenses were about as half as much as they are now. He went out to eat $400 and had a miscellaneous spending of $518. He spends minimum on bullshit of $1,000. He's not paycheck to paycheck. He's bullshit to bullshit, choice to choice. Sure, yeah. Loser to loser. Failure to failure, victim to victim. I'm not saying that any of this isn't my fault. You just said you were paycheck to paycheck. Mm-hmm. You're not. Okay. Objectively. Okay. You choose to spend your paycheck on things you don't need to. I would say since the beginning of last month in June when I started this position, about half of my income goes to rent and the rest of it goes to savings. This is your most recent month. You spend $1,000 on bullshit. Even if half your income goes to rent, you still don't have to spend $1,000 on bullshit. I'm confused what that has to do with anything. Let's take a look. Numbers. His scariest thing. Other large. 33%. I don't even know what this means. The last month hasn't been super easy. My girlfriend moved out at the beginning of last June, or of last month in June, and all of my finances or my expenses have doubled. Um, yeah, no, I mean, I'm not gonna. But you still spend $1,000 on bullshit. I'm confused what that has to do with your expenses doubling. That sucks. I have sympathy for that. Yeah, uh, my point is it's not been easy. Um. Yeah, when you spend $1,000, if you're $4,000, it's not gonna be easy. That was your choice! Yep. ♪ the 29th. Because it's, it's, uh, it's sustainable and, like, uh, like. To not work? Feasible to not work, yeah. That's not a good thing. I disagree. That doesn't progress society. You disagree? There's the actual DSA platform. There's the DSA platform. I don't know, man. I don't think, I don't think people deserve to be homeless because they get sick. Homeless? What the f***? Who said that? Or everybody is one bad day away from being sick. from being unhoused. Okay. That's a fact. And the fact that the state of California is making it more livable and doable to be unemployed for a long period of time. Here's a good example. Here's why my finances have been so back and forth for so long. Um, I left university before I graduated and because I don't have a degree, um, I had to contract hop until I've gotten this job now. That's not, not because you didn't have a degree. I didn't have a degree. Let me finish. I chose to live a better life. You're living, you're working for yourself. What? Right now? Not, not after I left college. My point is. Those were your life choices. I am. Yes. That's a, that's a fact. I left college without a degree. I got a sales job. Yeah. And I'm not working in sales. You chose that. Yes, I did. So it's not because you didn't get a degree. You're not a victim. I didn't get a degree. I networked. I've been working full-time or well contracts, full-time contracts since I left university. Okay. So my, I've never up until I think a year or so ago held the same job for more than a year. It's your choice. No, it's not. Yeah. Your choice to continue contract to contract. No, it's not. Instead of pursuing something like sales. Do you understand how difficult it is to find a full-time job in the tech scene? Yeah, but you didn't have to be in tech. No, no, no, no, no. Listen to me. I left university and got a full-time position with Acer, which led to a, a contract job with Tesla. I was building a resume to work at these S tier financial institutions. I built a resume now. I am on track to have a full-time job. I'm not explaining it to you. You don't, you don't listen. I'm explaining it to the audience. Oh, I do listen. My full-time job that I will likely be getting at the end of this year will set me up for success in order to, you know, not have to worry about medical bills, not have to worry about, not have to worry about like whether or not I'm going to have my job at the end of the year. And it's something that I've had to work for for a long time. It's not like I never plan on paying any of this back. And I'm glad you have a full-time job now. But. You chose the path in that position because you wanted that career field. Yes. You were not forced to do that career field. It's something that I'm good at. Something that I know that I can do. I'm not good at sales. Some people are good at art. Doesn't mean we should support everyone that wants to be an artist. There's a lot. That's such a non-intellectual take, dude. There's no money in art compared to like the asset management of data center infrastructure. And clearly your skills were not demanded high enough. Dude, what are you talking about? They weren't at that point. Buddy, if you're complaining about what it took to get here, you didn't have to do that. You could have done something else. So it's hard for me to have sympathy. Listen, materialize this to this argument that like, oh, I could have decided to become a manager at Burger King or something. Yeah, that is a career. I made more money even though it was not even though it was not And what are you complaining about? You're sick. I had when I had the highest paying job that I ever had when I realistically could have been paying this off I was making $70 an hour working at Arm for a six month period. Good money. But I had but I had a like $11,000 care credit for my biopsy for my colorectal cancer. And I had to pay all of that off. That was my and I did. Sounds like you're not bottoming in anytime soon. And I did. I paid it off. That's good. Medical debt I don't even freak out about. They're really not going to come after you. You can just let it go. And so I don't want it to seem like, you know, I've made all this money and not not prioritized paying any of this stuff off. It's just the credit card debt that I'm not I mean, I have I have a lot of debt. You can say all this sympathy thing that is sad and it is but then last month you spent $1,000 on bullshit. Yes, I got broken up with and my friends kept taking me out. So and I spent a bunch of my money. Doesn't sound like your friends took you out. Sounds like you went out with your friends and you spent money. Yes, they're fine. Yes, your friends should have took care of his boy, their boy. He's got shitty friends. Sounds like you got some TSA friends that don't like to share the wealth. I'm actually the only socialist in my friend group. My entire generation and nobody that I know of in my generation is in the position to spend $1,000 on their friend because they got broken up with. He's in that. No one's saying that and no one's arguing for that. That's what you just said. Oh, they should have taken care of their boy. They should have paid for everything. One person? I think that's what the cost. Or all three of them. Nobody's in that position. Why do you think you are? I'm not, but I spent my savings because I was upset. I'm not saying it was a good decision to make or that it was a good idea. Then don't go back to having cancer years ago because right now you not paying this is your choice. Yes. That was sad that your asshole had some cancer. You're absolutely right. But that's not impacting your spending. I would rather have a buffer of a couple thousand dollars for medical expenses. Why do you care about that more than me? You're on my show. Pay attention to me. I would rather have a buffer of a few thousand dollars in case of medical expenses or a car accident or something. Well, why don't you do that instead of spending a thousand hours on bullshit? I do. I have money and savings now. Well, then you already accomplished that. Then you already have that. Good. Then use the thousand hours you spent on bullshit and put it towards that. I'm confused. What does you having a buffer have to do with it? You already have the buffer. I don't need to advocate for you having a buffer anymore. I would much rather hold on to the money that I have while I have it instead of paying it off, paying it towards a debt that I have no realistic roadmap of paying off anytime soon. You could have put a thousand hours to it last month. Oh, yeah, because that would have helped. Yes. No. Well, it would have paid off half of what you owe to J.P. Morgan Chase. Oh, boy. J.P. Morgan Chase gets their money and now I have no savings. Well, yeah, they could sue you. They could sue you. No. That's money you spent on going out to eat and having fun. I didn't say drain your savings. Do you not listen? This is what extremism does to your brain. This is your brain on extremism. Yep, yep. So, like, I should be regularly at or below or at or slightly above being broke so I can chip away at a debt that doesn't meaningfully impact my life anyway. How does he not understand this? Your money that went to bullshit didn't go to savings. It didn't go to life expenses. It went to bullshit. That could have gone towards debt. Well, at least I got to drink and, like, feel the way that I needed to while I was upset about a breakup or whatever instead of that money just materializing into the bank of some f***ing lending company. Well, it's consequences of actions, right? You know what they can do? They can sue you and they can garnish your wages. I'm sure they can. The wages you fought for. But we're not there yet. Well, I hope they get him there because he needs to learn some consequences. It is he, right? By the time any of this ends up going to court, I will have a full-time job and I will have enough capital and savings to start paying this off. I hope so. We've had people that were on contract to hire expected them to get hired last year and then it actually didn't work out. Yep. Right? That one lady? Yeah, she lost a big bag. Hope that doesn't happen to you. Mm-hmm. Uh, I just don't think, I think you just don't budget and you just don't take any responsibility or accountability for yourself. Oh, at least you're actually paying your, okay, so we have $20,000 in collections, $4,500, $2,900, $3,200, $2,900. Now, here's an actual debt that is active and at least he is paying for it. All 0% paid off. It must be new. I don't know. Account? Services? Yeah, it's a financed motorcycle. Motorcycle? Mm-hmm. Instead of a car? Yeah, they're better on gas. They are. The insurance is cheaper. But we do have weather. Yeah. Doesn't your job want you to show up even in the winter here? I keep a change of clothes in my office if it really comes down to it. Okay, okay. That's an actual potential solution. We're to hear a real solution from someone in the DSA. Yeah, I ride with all my gear, so even if it rains, I don't get super wet. I just hang up my helmet, gloves, boots, and jacket. Which, by the way, I want to clarify here because we did our audience poll, and we know we're actually split down the middle. Most consider themselves centrals, then right and left is actually pretty split. And then 2% is far left, 2% is far right. If you're on the—me ranting about him and being a far extreme, that doesn't mean if you are on the left that I disagree with you or dislike you. I actually probably agree with you on a lot. And same with normal people on the right. Extremism is bad. Extremism is bad. And look what it results in, a f***ed life. Can I tell you—so first of all, I wasn't politically involved until about— Your point is something that doesn't align with the real world. Gotcha. We know that. So $184 to your motorcycle. We are actively unseating Democrats—incumbents. Four very left districts where almost nobody turned out to vote. My point is it's setting a tone for the Democratic Party. Things are going to change. We have seen socialist—we have seen socialist policies work long-term in Wisconsin. That's interesting. Yeah. You also owe on trans world systems. Do you just remember how, unfortunately, everything you brought up you couldn't statistically back? Sure. Isn't that important for an argument? You realize you're just emotional arguments. This is unfortunately not a good way to base policies. Yeah. Everybody is wrong, and this guy is the only person who knows how to speak truth. Not at all. I'm pretty f***ed. But when I talk to even more f***ed people, it does make me look good. So thank you. You're welcome. Like, we could have actually intelligent people on here, and they'd f***ing kill me. You know, if I had pretty— He's not far left, but he's on the left. If I had Destiny in front of me, who is much more informed on political issues than me, he would obliterate me. Mm-hmm. I think the— And I might not agree with him on everything, but he would destroy me. You're just f***ed. I think I'm just an average person. No! You're an extremist! You're not even close to aligned with the average person. Collections, trans world systems, who knows? Hey, student loans for an N.D.? Are you f***ing deferring it forever? No. During the Biden administration— Yeah, that ended a while ago, though. I qualified for $0 payments. That's why it's not in collections, because my payment every month is $0. Still today? Still today. Still today. Have you checked with the payment assistance program? I've spoken with— And you're good? I'm totally fine, yes. Oh, that's because you're poor. They fall off after however long. 30 years, right? No? Something like that. But my point is, it'll be $0 payments until they're gone. Well, there's some socialism for you. Mm-hmm. We're giving it to you for no reason. When you can— Obviously, pay for it, because you spent $1,000 on fun last night, but I'm glad I pay more taxes for it. Yep. That's a fair system. That's an equitable system. You know that's f***ed, right? Sure, I'm a f***ing retard. No, I said you know that's f***ed. I've been good about my savings for a long time. Well, because we're not making you pay your debt. This has just been an off month, yeah. Guys, just like every guest in the history of financial law, it's just an off month. You know every month is off in a different way, right? You know that's how that works. And this is what I mean when I'm telling—when I'm saying that the guy is rude. Like, he lacks understanding or consideration for anybody. He's just like, you're f***ing retarded. Well, you spent $1,000 on bullshit. That's the what else you're going to consider. Yes, yes. I spent $1,000— That you broke up? Man, we all broke up with people before. And you didn't do anything about it? You just sat there and sang Kumbaya? I didn't destroy my life. Oh, yeah, because I destroyed my life because I spent the savings that I've already rebuilt. And I'm just saying you could pay on these student loans, but we're making me pay more taxes because you don't need to. Mm-hmm. Mm-hmm. Mm-hmm. Even though you can spend all your money on fun. Mm-hmm. That's a little silly goose behavior. I'll say that instead of f***ing. No, here's a little silly goose. Why did he break up with you? I f***ed you for that. You're bi? Yeah. What? Is it bad to be with men? Are you homophobic? No, what the f***? Why would you assume, though? Because you said you're bi. I don't know. No, I am bi. It was a 50-50 chance. I would be just as bad saying woman. You're being inflammatory. What? If I said woman, it was the same guess. Why'd she break up with you? And did she have a dick? I asked her to move out. Oh, you broke up with her? Yes. Oh, and then he had to go spend your money. Shut the f*** up, pussy. 519 credit score. That's your fault. Why'd you ask her to move out? Wanted too much responsibility from you? No. I ended up getting a job with Google that was going to have me flying all over the place, and she said she didn't. She said she didn't trust me, and we got in an argument. Why wouldn't she trust you? I don't know. You don't know? I didn't ever give her a reason to not trust me. Why'd she say she didn't trust you? I don't know. I don't know. You don't listen to women? What? Huh? Why would you say that? She just wasn't being trusting of me. Like, she moved in with me in February, and we had some disagreements, and. What were they? I'm not getting into that with you. Why? You're on financial audit. I'm not. This is a finance show. Why did you guys disagree? Because she didn't pay. She didn't sign off on having her business aired out on the internet. What about your business? Like, I'm not going to do that. Well, I'm not going to tell you what our disagreements were. No, no. This is who the f*** she is. Pussy. Sure. Okay. Yeah. Oh, I'm just trying to trigger you, and you DSA TikTokers are so easy to trigger. Come on. We're having fun. Stop being a little bitch. 500. $158 in your checking account. Say again? The end of the last statement. Are necessary to live and can't pay off student loans because I make too much money. Coffee. Coffee. Amazon. Bullshit. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Classic breakup stuff. Smoking. Smoking. Planet K? Yeah. Gas? Is that gas? Some place on South. What is it? I don't remember. It's called Doobies, I think. No, Planet K. Oh, those are incense from my apartment. They're not smoking weed. Instead of paying student loans. And thank you for. You're welcome for the millions I've paid in taxes. Mm-hmm. To support your failed policies. And you're an example of failed policies. And Redline Syndicate. Amazon. Saloon. Bullshit. Energy drinks. Chevron. Domino's. Bullshit. Taco Bell. You know, this is. Why did you and that woman come on this show to politically debate me? Because, like, I'm not even trying. I do. I just. I'm so easy to get sucked into any rabbit hole. I am. I am too f***ing easy. I'm easy. You basically just f***ed me. What? I don't know where I was going with that. I'm so easy. I'm so easy. Why did you do. Why come on this show? Well. This is financial audit. Yeah, no, so. It's Jerry Springer. So. But it's not finance debate hour. I know, I know. I think. I'm not in the political sphere. I think I could really stand. Something that we didn't even really touch on yet is. Is this idea that most people have where. Oh, I mean, people on the right tend to equate democratic socialism to. You're not on the right. No, no, no. I'm making a general. Literally. I took political assessments. I'm trying to. I'm trying to explain. A misconception that I would like to address, and I think this is a good reason why that I decided to come on the show, was, you know, I'm trying to explain that, you know, democratic socialism is not. It's not the same as communism. Like, they have socialist ideologies. Yeah, it's not the same. But, like, they're not the same thing, right? Communism is. You don't want the state to run everything. No, no, no, no. Yeah, no one said that. I think we're not abolishing private property or labor or free markets or anything. Some people want to. I know, I know. That isn't the DSA. Right. That isn't the DSA mission. I understand, but that's not what I stand for. And that's not. But it is what the DSA stands for on their website. I understand. Okay. Sorry. My point is. All the. Really, the only. The only change that I want to see through democratic socialism is policies for the working class individual. That is what I'm after. I like subsidized child care and health care. Not free. Subsidized child care and health care. I think. No, we already do, though. Low-income people, they already do. Okay. Sorry, go on. I don't think. I mean, I can't really speak on state-run grocery stores because I've never seen one. We don't have one in New York yet. But I do think it is a better idea. Well, the blue hair brought it up. I understand. What state? Kansas. She was like, ooh, it did. No, it failed. I understand. I understand. I do, though, think that lowering the barrier of income for basic necessities such as food and stuff across the board is better than just giving people money, right? Yeah, but you know, as a percentage of people's budget, getting groceries is smaller than ever in human history. All right. That's better. That's progress. That's capitalism. That's real results. Okay, so budgeting is an equation. That's real results, though. It's not a performative. But my entire point is. Instead of emotions. The variables of these. the equation that it takes to make your finances work in the United States States has has been rigged against the individual for the last 20 years. The vast majority live good lives here. Vast majority. But we're complacent. The better society gets, the more complacent we get. That is a reality. It's not perfect for everyone, but we live better than any other human. I'm just saying it could be better. It can always be better. But your policies wouldn't actually result in it. Your policies are performative. Your morals are backed on nothing. Your morals are weak. They're cheap. I don't understand. How could you say that? Because all that matters is actually the end result, not what feels good to advocate for. The end result of the policies you advocate for, you don't know the data. You don't know what happens in the end. All that matters in people's lives is what actually happens in the end. So instead of taking this money, all of this money that we're taking from taxpayers and putting it towards, and let's say even if we don't increase taxes for millionaires, even if that wasn't the case, instead of taking this money that we're collecting from every taxpayer in the United States and putting it towards things that will. Would make their lives better? Instead of? Instead of placating the 1%? Well, how do we do that in the taxes that we do right now? And the spending that the federal government does? You do understand that in the first Trump administration, he gave basically the largest tax break. That's tax cuts? You're talking about spending. What spending placates to the 1%? I don't know about spending. You said spending. My point is. You said all the money we collect and then disperse, how does it placate to the 1%? It should go to the people instead of. Instead of what? The military? That's like 10% of our spending. 10%, 20% maybe? My point is that. The payments on our interest of debt because of your kind of social spending is actually now higher than the military budget. Our social spending is over 50% of the federal budget. Medicare and Medicaid, Social Security, mandatory spending. Is that still the case after the Big Beautiful Bill? Yes. Okay. Substantially. I don't understand. I don't understand how we kick over half the people that were on Medicare and Medicaid off of Medicare and Medicaid, and then that's still the case. Oh, here we go. A lot of that tax money, we just had a huge bill pass that was going towards funding ICE in Minnesota and elsewhere. It was still pretty pennies on the dollar for the federal government, but yeah, it was a lot of money. My entire point is, I think the money could be better spent elsewhere is my point. I mean, we already spent the majority on social. Subsidizing. You know, we just had our, we clocked in our highest number in the history of the United States of people out of the workforce, not looking for any work, not looking for any schooling or anything ever. It's because they can just live off social programs. That doesn't push society forward. I think this whole welfare queen argument is a bit overstated in any case. Yeah, but shouldn't we take care of those that do abuse it? Say again? Shouldn't we take care of those that do it? Shouldn't we go after those that do abuse it? Absolutely, we should. Okay, then what are you talking about? I'm not saying everyone does, but as the social welfare net does go increase, we know we just hit our peak of people that aren't educating themselves or trying to get into the workforce ever. I agree. They are quarreling. I agree that like. We've seen it again. I know you've had other examples, but the more they gave out in the UK with social council estates and whatnot, more and more people aren't contributing to anything and now their productivity is flatline, even down. It's not good. One piece of data that I do. Like, have some familiarity with the UK is asylum seekers receiving a bit too much as they enter the country. Okay, of Medicare and Medicaid after the big, beautiful bill, no higher than 10% were kicked off. How many people is 10%? Of the 70 million people that are enrolled, 10% would be. 7. Awful with math. Seven million. It's a lot of people, but you lied and said over 50%. That was a lie. That was. You're talking points. You're in your bubble. You don't know what you're talking about. Dude, we're almost at two hours. Here's my. Pete Terry's Panda Express. I got to go film Fattened Fatter and eat my food and be happy. Tacos, smoking, Taco Bell. You spent a lot of money on bullshit. You have no self accountability and unfortunately you don't know what you're talking about. I think you would actually. If you really do care about people, I would focus on policies that actually have the outcome that actually impacts people instead of those that just feel good to advocate for and make you to win. For instance? Well, everything that we've done in capitalism has led to the loss of the economy. I think, actually, the largest reduction in poverty ever has led to the smallest. Can you give me a policy instead of just statistics? Well, no, no, no. Policy in general, usually the policies I align with are ones that increase for more free market, more capitalism, because that has reduced the spending in people's budget. Can you give me an example of a policy that does that? Yes. Okay. Because I don't have statistics on sweeping generalizations or anything. Well, I already did when it came to housing policies. I did that in this episode. And we agree with that. We agree on it. No income taxes in a state, in city. I agree on it. No taxes. No, you don't. Oh, no, actually, I don't. No. Okay. So, great. Okay. I mean, I benefit. Texas, Florida, they do very well. I benefit from a lack of income tax because I needed to keep as much money as I can because I make around $50,000 a year. Buddy, the money you make. The money you make your income taxes are almost nothing. That's my point. I benefit from that. But people who make six figures should not be benefiting from the same thing. What? They pay way more in taxes. Yes, they do. Higher percentage. They can afford to pay a higher percentage on taxes. Okay. They can afford to pay a lot more than where it is now. Okay. I guess, do I make a budget for you? Dude, you barely allowed me to allow this to be a financial audit. What's your rent, actually? Because your minimum payments. After internet and everything, it's like 2,200 bucks. After all utilities and everything? Yeah, yeah, yeah. Okay. Groceries, you can do $300 with H-E-B, meal prepping, meal planning. TP Fund, anything else you just survive. That's you and your tampons, $150 a month. That's me joking. No, I didn't. I didn't say anything. It's a little joke. You weren't offended for the first time in your life? That's progress. You're moving away from the extreme leftism freaks. Okay. Subscriptions, I'll give you $50. Do you have any pets? I have two cats. Of course you do. Yeah. And that's $100 a month pet insurance. How much for cat food, cat litter? Maybe 50 bucks. Okay. Phone bill? $120 a month. Gas, vroom, vroom, drive, drive. For your motorcycle, right? Yeah. That'd be about 40 bucks a month. Okay. Bike insurance? $30 a month for liability. You have any healthcare costs on a monthly basis, co-pays, anything? Yeah. It only happens once every three months, but I have to pay out of pocket for chemo, so that's about $300 every- Your asshole still has cancer? Oh, it's adjuvant therapy. It keeps it from coming back. That's good. How much again? $300 every six months, so- Oh, every six, so 50 bucks? 50 bucks a month, I guess, yeah. We'll set aside for that. That's good. Keep that cancer away. Keep that cancer away, right? We don't like cancer, even on the most stupid among us. Cancer's bad. Lives are important. We keep it up. And I'm glad that our capitalism has invented an incredible life-saving healthcare like that, that the rest of the world can use. We could talk about that if you'd like. Nope. I'm actually ending the episode. Well, you need to survive $3,274. You make $4,116.66, and you can go get a second job, instead of going out all the time and even make more. But either way, let's conservatively say $800 is left on a monthly basis. I would pay off your bike in 10 months, and then I would start negotiating on those collections before someone sues you, one at a time. You said you had money in savings? How much? About $1,500. Well, that's definitely not good enough, so after you pay off your bike, I would get that up to, let's call it- $3,000. Yeah. $5 is a good deal. That only takes two months to do. And then negotiate your collection, small to large. Just try to pay them half or get on a payment plan with them. Yep. Or just hope you don't get sued. I don't know. And then after that, yes, you can live 50/30/20, because at that point, you'll have a better job, 50% on needs. This is Elizabeth Warren's plan, by the way, so you don't have to be offended. This isn't some centrist, fascist plan. Mm-hmm. 50% on needs, 30% on wants. It's a lot of spending on beer and going out. Yeah, yeah. Okay. And then 20% on investing to a low-cost index fund, because you need to retire at some point. And a high-yield savings account is not going to get you there. Gotcha. Understood. We're going to talk about why so much shot is annoying as last night. I don't think any of us are surprised, though. But let's get the same for financial score first. Spending in a budget, you overspent, obviously. We went over that. Yep. And yet somehow you're justifying it. Zero out of 10. Debt, you have collections, zero out of 10. Emergency fund, okay, two out of 10 there. Retirement, nothing, zero out of 10. Only beliefs in high-yield savings rates, even though, obviously, that's only for an emergency fund or a short-term purchase. I'm just uneducated. That's all. On anything we've established, real estate, zero out of 10. Yet, for some reason, you're still trying to talk about shit. Hammer Financial Score, 0.5 out of 10. Get yours at calebhammer.com. Join Hammer Elite, that evil capitalist subscription where we actually provide value back. It's weird how that works, where you get to choose the market rate, and then we provide value for it, and we provide more than enough value with three premium shows every single day. It's six days a week. It's more than anyone else does. It's incredible. Check it out. Click the link in the below or the Join button or the Hammer Elite app or hammerelite.com. See you in the post show. Can I say something before we sign off? Nope. See you in the post show, and you can hear what he has to say. Stay black, stay gay, stay Jewish. Because you're so interested. Huh? Jewish? Yeah. I mean, that's for everybody, not just you. I was almost one of those ones. Awesome. People think I'm Jewish, but nobody thinks I'm black when I still say it. Adios. I don't say it. You said that last night, by the way. I'm going to kill you. I'm going to shoot you in the face. He jumps back in his car. He pulls a gun out. out of the glove box. - Just a mess. - And he grabs my phone and he smashes it and I had to go like replace it yesterday and he shoots at my. I'll be honest, I thought his gun was fake, but like it was tiny, so I was like whatever. - You thought a gun was fake in Texas, brother? - Yeah, yeah, yeah. - Funny. - He kept on telling me he was gonna kill me or whatever. - I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time time hanging out. 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