The Most Ghetto Financial Audit Ever

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Okay, I have some questions. I have some advice. Kevin should walk away. It doesn't bother me. I spend hundreds of thousands of dollars and I have 50% of the equity. And if I walk away, you think this is okay? You go scot-free. You stole my money. I don't give a f*** about it being illegal. I make my money. If we all have a big safety net, we're able to take more risk. Her safety net doesn't recall me in doing anything that I'm doing. Well, you're a fiance. You're about to be married. So that will be there. I don't rely on no woman to help me with nothing, period. He called you a fraud in the pre-interview. There's nothing fraud about me. He called you a fraud. I'm calling you a fraud. The audience will call you a fraud. Call me a fraud. I've met a lot of people like you. I have family members like you. The reality is, and it has to come down to some price. You've never met anybody like me. You're not unique. There's nobody like me for one. Merry Christmas in July. I'm in a giving mood, even for you naughty ones. Budget, debt, investing, real estate, all of it. 50% off right now. Not sure where you stand? My new and improved Hammer Quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50% off and finally fix your finances for good. Hello, my name's Kevin. I'm 30 years old. I live in Dallas, Texas. Hey, I'm Ricky. I'm 42. Hey, I'm Ricky. I'm 42 years old. I live in Colleen, Texas. And I'm the bitch off camera. The woman off camera. And I'm Cherry. Okay, and this is Financial Audit, guys. Okay, yeah. Weird one. Weird intro, because I don't really, because you guys aren't dating. This isn't a gay couple thing. No. But you guys are on, so it's weird. And there is someone off camera who, the thing is, I can't raise my voice to her because she's a veteran. Not like that. And I can't be disrespectful. Those are her rules. So if you see me be extra polite to her compared to any other guests on the show, that is why she's off camera. She has a name that I would normally insinuate. Belongs to professional dancers, but I will not insinuate that here because I cannot be disrespectful. But that is Cherry off camera. She will be talking to the mic. Hello, Cherry. Can you say hi to everyone? Hello, everyone. Okay, very good. What the fuck am I looking at, guys? This is a weird thing going on here. I don't, what the, what is this? What do you mean, what is this? What do you mean? I don't know. We got a non, that aren't dating on my show, plus Cherry off camera. Who am I talking to? What is happening here, guys? Okay, so this is, this is my business partner. You know what I'm saying? Oh, so it is your partner. Yeah, this is my business partner. Not in a relationship wise. Okay, don't be homophobic. You know, we ain't, but you know, this is my business partner. This is my guy. This is my guy, this is my friend. Well done. You know, and everything like that, you know? And that over there is, that over there is my partner in life. Well done. Yeah. Well done. Yeah. Well done. At 42 and 28. Yeah. Nice big gap there, so. I don't know. I'm a good looking guy. Yeah, good looking guy. Successful woman. Yes, are you? Yes. Good, good, good. Well, actually, Cherry, I guess, what do you do for a living? A lot. I own a business. I actually am a veteran. I went to nursing school, 2021, and I'm in school again for my bachelor's of business and management and marketing. Is the business she owns the business we're talking about? No. Okay, what's your business? Pole instructor, dance instructor. Okay. Yeah. No jokes will be made. You can make some jokes about the day. I don't think so. She was saying, I don't want to be disrespected, which is incredibly vague and horribly subjective. But I respect everyone's consent. That's good. How much do you make for that, Cherry? Hey, Berries. Let's try to get a number. Let's try to get an average of a number. Are we talking monthly, hourly? Sure, let's do monthly. Monthly, about $1,500. Okay. I thought I heard the word success somewhere. Okay. The veteran, are you on VA disability? Yes, I am. How much? I'll keep that private. Okay. This is a pretty good amount. I'm sure. Is she at 100%? Yeah. What's your disability? PTSD and a lot of other things. What other things? Other things. What are they? She can't mention them on camera. I can't mention those. Why's that? It's private. That's private. I'm moving sandbags 15 feet that way. That's what I'm doing. Why? It doesn't look like I know. Well, so she can't. You can mention them. She can, but it's just very, very private. Do you actually have disability? Yes, I do. Yeah. That's why she got the 100%. That's not why. That's why I have a mortgage. No, you. Huh? That doesn't make sense. You said that's my why, but it is why she has the disability because it's private. It's a private situation between her and why she got the 100% to get the disability. Well, sure. If she keeps it private, then it's private. Right, right, right. It's not instructed to be private. Yeah, it's not instructed to be private. So it's private by choice. Yes. Okay, so, well, I guess the first veteran in the history of the show, you know what? Good strategy, because everyone else is out of themselves on this show of not actually having a disability. So you keep that to yourself, and you keep collecting that check. I don't know. That's the right way to do it. If we know how to use the system. Am I right, girl? So I'm guessing it's about $8,000. Okay, good. So your success is disability. No. My success is everything that I do. Okay, well, $1,500 from $1,000 and $8,000 from disability. Who said anything about $1,000? Hold dancing instruction. Instructor. That's two totally different things. Okay, $1,500, $8,000 is disability. No, it's not. Is there a number somewhere else I'm missing? No, it's not a number you're missing. Okay, so that is. She makes money from the business. I make money from going to school. I make money from a lot of different things. From school? Yes, I'm in school as well, as I mentioned. You make money from that? Yes. When you're a veteran, they pay you to go to school. Okay, so you're not making money from it. You're getting it because. Okay, and thank you for serving. What was your service? 92 Golf. Huh? 92 Golf. 92 Golf. Oh, what a. I'm not a. I don't know what it is. Culinary specialist. Yeah. This is our second cook on disability on the show, 100%. Yeah, I guess so. I don't need it. Okay. Okay, so 16% of your income comes from your job. Excuse me? 16% of your income comes from your job. Maybe. That's successful. What do you do, Kevin? I'm a fraud analyst for a financial institution. Now that's a job. What do you make? I make 100K and 10K bonus at the end, annually. Wow, what hits on your monthly basis? And why am I incorporating you into this? I still don't understand why. Should I collect your income? Because I want to see Miss Cherry, even though I'm picking her on. I'm picking on her a little. And Ricky, I want them to do very well. You're in the middle. Yes, we'll dive deeper into how me and Ricky have met. I would hope so, because this is like, should I even incorporate your income? Am I going to write it down? Probably not, actually. I'll cross it out. Ricky, what do you do? What I do now and what I did before we met is two different things. What we did, what I did before. What do you do now? What I do now is I run the company now. The company, not her. Paul, education. It's pretty much. She's part of the business as well, too, because she's one of the models on our business. We have a big. What's your business? We have an entertaining company. How do you entertain? We have a party bus. We have a food truck. We have a travel bus. And we have a podcast and, you know. What the. Your business has every business ever? Yes. It's all in one. It's all in one. It's a little. Yeah, it's a little big. There's a lot of businesses that try to do. Everything tend to not do anything well. Well, we do well. I'm hoping that's not the case, because I do. Generally, even though. And, Jerry, I will apologize. I am picking on you at the beginning. This is mostly because. Gosh, this is when people tell me not to pick on them is when I actually want to pick on. If you said I could bully you, I would have actually probably been really nice. But I'm still holding back due to your boundaries you said at the beginning. But, like, I do genuinely want you guys to do well. I really do. But usually businesses that try to do well do everything, do not do everything well. Have you run a business before? You making an opinion or something into it? What was the 10,000 square foot building you walked through with 40 employees? Certainly not a business. No, I'm saying this is a podcast. Yes, it is a business. Hold on. The podcast is like 500 square feet of the 10,000 square feet building you walked through. All different businesses do different things. Just because you run one business don't mean you know how to run every business. No, but it at least gives you insight better than most people. But, in general, it is a general understanding in the world of business that if you try to do everything, you don't know how to do it. Everything. Before you start to try to opinionate on somebody's business. That's not even an opinion. I'm saying in general. I'm not even saying your business doesn't work. I don't know your numbers yet. I'm just saying that's a concern going in because it is a general understanding that any skill of an individual, if he tries to do everything at once, he's not doing everything to 100%. It's impossible. Well, our business, it sounds different. It's probably because I didn't explain it right. Oh, okay. Then try to explain it. We're an entertainment business as far as if you hire me, I can evaluate and then change your life when it comes to a wedding or it comes to parties. Change my life. Say for instance. Change my life. I'm hiring you. Change my life. Okay. Say for instance, you're a bachelor. You have a wedding coming, right? Okay. So in our entertainment business, I can offer you the party bus. I can offer you the videography. I can offer you the food. Did you say didiography? Videography. Videography. Because that would be fun. I'd pay for that. Videography. Get the oil flowing. I bet you'd like that. But like I said, I can offer you videography. Okay. I can offer you the food truck and what we have. And then I can offer you the bus right there. And we can also offer you the party bus. And we have models. But you said podcast. Yes, we do. We publicize most of our things that we're going on for the show. Okay. So what do you make? You said what do we make? What do you make? What do I make? I mean, we'll get into the business. But yeah, what do you make? What I make and what I haven't made sort of profit yet with the business as sort. So we're relying on her disability. I filed his previous tax year. Ah, this is why you brought your accountant. That's my quant. Your what? My quantitative. Well, it's not my accountant. So for 2025, I didn't get a chance to file his taxes. But for 2025. Did you file an extension? No. What the f*** is wrong with you? I believe you filed your taxes. Aren't you the agent of the relationship? But for 2024, Ricky has roughly made around $25,000 roughly. Okay. So again, to be clear, for her disability, of which we don't know, is actually the only reason why you're able to go into business. Because it's what pays the bill. Absolutely not. So the taxpayer. I keep all of my money to myself, actually. How are you finding your life? Well, do you guys live? In the same place? Yeah, I do. Okay, well, I mean, come on. That's like your biggest usual percentage of cost of living. You know, the cost of living and cost of running a business, two different things. I'm able to pay the bills in the house. No, I'm saying how you pay your bills. And she says, well, I keep all my money independently. Because I'm still paying the bills in the house. Because he pays everything. And she keeps her money in her pocket. She doesn't pay a single cent of the mortgage? Yeah, she pays a little bit, but I don't have her pay most of it. Yeah. Why? I'm able to take care of most things. How? How can he do that off of $25,000 a year? That's what I make off of this business. Oh. Well, that's what you did. Oh. I didn't finish explaining. You didn't even let me. You cut me off. I do that. Yeah. So you got to feel the whole story and find out exactly everything I'm doing. I'm story ready, buddy. Hit me. All right. Like I told you, before I met him, I was already running a couple of businesses before the business I have right now that we're running together. I have a tow truck company. We have a car lot. We have a transport company. What do you make from that? From the transport company? Mm-hmm. Transport company. I make any of that. $200,000 a year. Wow. Okay. That's what gets your pocket? Yes. Oh, that's incredible. So, okay. Let's just, let's just, in general, okay. Is there anything else that brings in money? Is it anything else? Anything else or is that, is that, okay, good. Pretty much it. What do you make on a monthly basis? What hits your pocket monthly? Pocket monthly now, since I slowed down a company, it's once I slowed down a company. So it's not $200,000. That's the number we were going off of, but what is it now? Now, I quit the company to run this company. How much do you make, buddy? Well, we just told you how much I make. $25,000 a year. On this company, yes. But you said you quit together. What do you make from the previous company now? From the previous company now? From the previous company, it shouldn't be no more than probably like every month is, I want to say about $10,000. Okay. Well, that's good. That actually makes sense. Is this from the car lot? This is from the trucking company and the traveling company. You made $10,000 this month? Would you know? You said what? I didn't know that. I didn't know that. Would you? Would I know that? It's not the same part of the business. Wait, you were filing his taxes. It's not the same business. No, but you were filing his taxes or the business taxes? Both. Okay. How much did he make last year? For 2025, I didn't file his taxes. But you're not even preparing it? Who filed your taxes this year? I filed my taxes this year. You filed your taxes. Well, he got the paperwork and filed. I didn't file taxes this year. He did not file taxes. He didn't file taxes this year. So taxes have not filed for 2025? No, it's not filed. That's not good. Yeah. He got the paperwork? What, for the trucking company? Kevin, why would you file his taxes? Buddy has to pay his taxes. For 2024 or 2025? Five. He said he gave you the paperwork. He was a money guy? So I filed through my CPA. Through your CPA, Fran? My own CPA. And he files our business taxes for 2025. But I didn't. My CPA refuses to file his taxes. Well, I think that would be fair. Your CPA is an asshole. We got into it, so. How is he an asshole for not wanting to file your taxes through not you? I don't know. I've been with my CPA for 10 years, and I've never seen him yelled over the phone speaking to me. Why was he yelling? I don't know. Did you yell? Did I yell? No. Ricky didn't yell, but my CPA did. What was he yelling about? He was accusing Ricky of some mortgage. Um, that I wasn't aware of, but you weren't aware of either. Me either. Accusing of a mortgage? Yeah. Why would he yell about it? What was the accusation he was making? He made something personal that I don't know what for he made personal about. Some mortgage that I had that I wasn't paying, and I told him I didn't have. How did he take it personal? I don't know. Um. He was there in person with him, not me. We filed his taxes for 2024, and I think somewhere in between after that, I don't know what happened between you and my CPA, but. It just kind of left a bad taste in him. And my CPA told me. Did the CPA talk to her? No. No. Because that would trigger me too. Yeah, and he told me, go find a different CPA. I'm not going to file his taxes. So. Okay, did you find another CPA? Buddy, we're in June. Yeah. He did. And? I'm trying to get things together right now. What did he make in 24? Ricky? Yes. That's the same thing, $25,000. But. For 2023, it was $45,000. Okay, buddy, you're not netting $10,000 a month. Okay, I'm not netting $10,000 a month on paper. What? No, I'm not. Okay, so you're tax frauding. I'm not tax frauding. It's just some money that I make from my trucks that are not on paper. I have trucks that are not on paper that makes money sometimes. Help me out here, Kevin. How can he help you out when he doesn't know about the drugs? Oh, I thought he did because he filed the taxes. Do you not know? How are we going to file taxes on something that he doesn't know about? He doesn't know about my company. That's what I'm trying to figure out. That's what I'm telling you. I'm not part of that trucking side. He's not part of the trucking company. I had this way before he even came. Kevin, why are you here? You're a part of the current business? Yes. Yes, I am. Okay, how are you a part of it? I'm more of his, how you say, angel investor slash tech side of the. Tech side? Technical support for him, at least. It's racist. You said it's racist? Wait. Are you stupid? Wait, how's that? That is not racist. You're his token agent for tech. Oh, I didn't realize that. I have one, and his name is also Kevin. No, his name's Sean. I didn't realize that. That's okay. No, that's good. That's good. That's good. Okay, so you invested? Yes. We should probably go back to how me and Ricky met. We met in 2022 at a clinical trial study, and we stayed at a facility for three whole weeks. We couldn't leave, and that's when we got to know him, me and Ricky. What the f*** were they studying? What was their study about? I forgot. It was for an antidepressant medication that they were doing. Okay, worked on him, failed with you. And the payout was really nice, and it was three weeks, but at the very last. I think the second to the last day, you weren't able to complete the study. No, I completed the study. You left the program early, and you had a verbal altercation. You wanted to staff nurses. Oh, so fighting's in your history. Oh, yeah, most definitely, for sure. But it was the CPA? Oh, man, it was the CPA, yeah. But, yeah, I kick ass. Why? Man, I'm from Compton. Yeah. The result? I was saying, so, I mean, I'm just. Why continue antisocial behavior once you leave the place of badness? I don't complete antisocial behavior because of badness. You said you're kicking ass. I said I will, and I can't. Why? If he was in front of my CPA, he would. - Handle it with your brain. - I do. - Why go back to your evolutionary traits? - I didn't go back. it back to my evolutionary traits. If you're just fighting people in the street, that's not good. I said I can. That doesn't mean I may not use it. He just said he got in an altercation. He got in an altercation with me. I never yelled at him or said anything to him, period. That's the second time so far. I never said nothing to him, period. I didn't yell at him. I didn't say nothing to him. The man yelled at me and started talking shit. Okay. Why would the guy at the clinical trial, why would your CPA and why would the guy at the clinical trial talk shit to you? I don't know. So everyone's talking shit to you? I don't know. Try being black in America. That's what you do. I can attempt it. I just think I would get canceled very quick if I did what was necessary. Blackface. But to go to what you said, at the end of the trial study, Ricky proposed me a business idea and I was bored. I was 26 years old. I just thought, okay, sure, let's start this recording studio. That was a while ago. Okay. This recording studio and it's a cool idea we'll have inside a mobile bus, RV or bus mobile. It became bigger than what it needed to be and it started to do more. We started the recording studio on a, I bought a big giant bus and my little brother at the time was rapping and he was doing some music and stuff like that and we had a bunch of other artists. Compton. I guess so. He was all doing music and stuff like that. It was doing some things but I didn't know too much about music. I owned 18 acres of land at the time on a property we were living at. That's the Uno Reverse card. The Uno Reverse card? What you mean? Keep going. At the time, Cherry came up with a nice idea to be able to do a smoke shop. Always degenerate behavior is what's in your head. So, you know, we wanted to utilize the land so we started utilizing the land to get a hemp production license. Interesting one, Cherry. So, we got a hemp production license. I think I'm in love. We got a hemp production license and we started growing hemp, you know. But I had no idea. I was sort of invested in this podcast studio or recording studio that didn't really turn out the way it panned out and then next day I know, hey we're doing a smoke shop business now. Classic pivot. I didn't put my money into it knowing that but now, hey. What did you put in? At that time? Yeah, what have you put in overall? Yeah, sure. Actually, up until that time. Up until that first year. How much did I give you? $30,000 and you pivoted the business without his knowledge? It wasn't a $30,000 cash. It was a credit card that he had handed us. No, not credit card initially. It was upfront capital. I remember giving you $2,000 for some tires for the bus. Oh, yeah, yeah, yeah. And then the $5,000 for, uh, music instrument tool. I thought we used the card on it. The what? Did we? Yeah, we used the card on it. It doesn't matter. It was $30,000 either way. What percentage did he own giving his credit card? You said what now? What percentage did he get to own? On the credit card? No, if he gave the credit card, what percentage of the business did he get to own? We were 50-50 in the business. 50-50, okay. Yeah. So, labor, money. Right, right. Okay. We were 50-50 throughout the whole business just like that. Okay, that's good. That's fine. I've seen it. It wasn't making any dollar. It wasn't making any cent. So, I've made a pivot and made a decision to make the dollar back, you know. I still haven't got a dime that first year. Oh, just the first year. Overall. Okay. Overall. You own a percentage of her disability? No. I'll be paying for it forever, so. But like I said, we took a pivot and we changed the business. I bought a second bus. I bought a second bus to be able to do a smoke shop because we didn't want to. But he didn't consent to this even though he's a 50%. I was sort of dragged along in a way. I bought him my own cash. I got the bus and I made it. Still, he's a 50% owner. Yeah, but it didn't have really nothing to do with the business until we made it part of the business. What's the paperwork we've done around the signing of this business? There's none. Why? It is not very difficult to get just some kind of contract attorney in the business world. A thousand bucks. I should have known better, but I was 26, 27. We should have had an operating agreement. At that point, what are we doing? I started this at like 27. I got shit figured out. What are we doing? Okay, but even still today, you're 30. Right, right. Okay. Far as like I said, I wanted to try to take a pivot in the business to do something. So I've took part of my money to be able to open up the part of the hemp business, get into the smoke shop and get into the things. Don't understand that pivot, but listen, that is, yeah, money can be made. It wasn't making, it wasn't. Wait, but a lot of new laws in Texas. How's that impacting? It impacted. It's a lot. It destroyed it. It destroyed it. It destroyed it mainly. Okay. And now we're doing another pivot. Yeah. Oh, new pivot. Yeah. Cause we were making anywhere from 400,000, maybe 500, $600,000 a year for the business that we have with the smoke and everything. You didn't see a dime? I didn't see a dime. How's that fair? It's, it's fair. Were you taking distributions? Was he taking distributions? No, Ricky say he would reinvest it, but I believe the profit margin was pretty slim. It was, it was, it was because. How much profits were there? There wasn't too many because we, we kept escalating with the business. So this. Okay. But if there were not too many profits, how many were there? Okay. So. It sounds like there were some profits. It wasn't. Well, he said not too many, meaning there were some, are you saying they're none? Okay. So there were some profits, but then it wasn't at the same time because it kept escalating with the business. So if you invested, you know, saying $50,000 into a bus. Yeah. You know. So you're not going to try to get that money back. So when we start to get that money back, to try to recoup that, that, that type of profit on one business. How's your perspective here, buddy? This seems like what the did I get a part of drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score. Maybe you just picked up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. 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The ones you sold? How did you come up? What did you sell? That's a hundred thousand. Okay, what have I sold? What is a hundred thousand? I sold my property. I sold my house. For the business. Yes. What else? I sold my tow truck and my 18-wheeler. Okay, so that's not making any money anymore. Did the house have a mortgage on it? I had four 18-wheelers. Oh. And four tow trucks. Yeah. They're all over the place. Which, I'm not all over the place. I just know what I'm doing. I mean, you're not filing your taxes, Ricky. I didn't file my taxes this year. Yes. It's June. You didn't file an extension. You can't tell me what you're doing. You know what you're doing. My life moves a certain way. If you're, okay, a part of that life is always filing your taxes, Ricky. Yeah, filing your taxes and all that kind of good stuff and whatever like that. Not a lot of people in America file their taxes. Buddy, you're a business owner. You have to. You're going to get audited. Okay, let them audit me. You can't audit nothing that they can't take from me. Uh-oh, Ricky. Uh-oh, Kevin. Can you hear that? Let them audit you. Yeah. You excited? I don't want to be audited. I'm not scared of an audit. I'm not scared of anything that's going to happen in my business. Really? Because, I mean, like all your off-paper making money, I would actually be actually terrified. You've never been in a predicament. I am, man. What do you mean? What predicament? Okay, I'm struggling with certain things that destroyed our company when it came to the hemp business. Yes. Okay. Yeah. I mean, I've gotten canceled before. It's kind of similar. No, it's not the same thing. In a different way. I mean, there's different struggles all around. You're also probably- We probably make more money than we do, too. Well, of course, I'm better at business. I don't know about that part. Well, objectively, I mean, objectively, my business is longer. Some people get lucky. Some people don't. You think this was all luck? I don't think it's all luck. Not at all. A lot of people do hard work, but what I'm saying is that my hard work is better than my hard work. Your hard work's better than your hard work? My hard work- Her dancing's better than her dancing. My hard work is different. That's what I'm trying to say. And then your hard work. Yeah. All that matters in the end is results. Results, though. Yeah. I don't care if you work and produce nothing, then you're still a failure, even if you worked hard. So, we don't judge people based on how much work they did. We just judge based on results. Just because you failed, you got to come back up and you got to get it again. Sure, but if you failed, you're a failure. Anyways, four years and I still haven't seen a dime yet. Yeah, that's a big deal when you spent hundreds of thousands and he says he spent hundreds of thousands. Did you have a mortgage on that property? Yes. That was my question. Yes. Okay. What was the profit from that property when you sold it? $216,000. And you put it all into the business? No. We bought another house. How are you hearing that, Kevin? He just said he sold the house to put it into the business. Kevin, are you following this? I appreciate you for being truthful, but I think you just f***ed yourself. No, we bought another house and we have the equity in the property to be able to stand for it on what I spent on my money and the receipts and everything. Why did you say you sold the house to put it into the business? Aren't you renting? No. Renting what? Okay, I must have made a mistake. I thought you were renting. A very much mistake. There's a lot of things that you don't listen to that you say you listen to that you don't. They're not listening to a lot of stuff that we actually have and we do. We've never rented anything in the amount of time that we've been together. Eh? Besides a car. I said we've never rented anything besides a car in the entire time of me and Ricky's relationship. We don't rent nothing. We bought everything that we have. Okay, it's my bad. It's my bad. I just thought of something else. He says you don't listen to anything. What does that mean? I guess I get, I don't listen. I guess that's what he says. I just don't listen. Oh, you're a cuck. Okay. You want that as a business partner? I guess he has an unlimited blank check. ATM. No, not nothing like that. Pushover too. Why? You got the jawline? You're a handsome guy. I think you can stand up for yourselves. He might take antisocial behavior out on you if you speak up, but. I've never got into it with him like that. I'm joking. Yeah. I'm joking. You're a good guy, I think. Maybe. I don't know. You might be kind of abusing his finances, but really? You're just going to. Is that how you've been this entire relationship? Just a pushover? It's been a lot of way on my. Shoulders. Why continue to put money into this? Part of me thinks it's going to work out if I keep pouring more into this. Okay, tell me how it's going to work out. Give me the strategy. Give me the. How does it work out? Initially, I thought it was because I thought. Okay, you've put hundreds of thousands since that initial. Again, again, again. When it comes to working out this business. He's going to speak for you. Every time I bring it up to Ricky, he assures me that we're going to make millions every single year. Oh, millions, Ricky. And even though our taxes that we made $550,000 or $450,000 in sales, I just, that's the only indicator that. In sales, but not profits. Yeah. Which I'm really very curious what the IRS thinks about that. So that's the only thing. When you're starting from scratch and you have the business, you know what I'm saying? Well, you hit all you want to, but I'm telling you. I mean, you're just acting like I did it. It's just like you have all this equipment here. You have to buy all this stuff. This comes from somewhere. You bundled it with profit. Yeah. No, you didn't. With business. Well, I made sure I could actually pay my bills. Okay. But it took you some time to do it, didn't it? Yes, but I didn't rush in by buying everything and not making a penny. I didn't rush in it either. He hasn't gotten a penny. Okay. In four years. You're listening to half of the part and you're supplicating and you're talking about things that you. Supplicating? Tell me the other half. Okay. What's a supplicate? Okay. Okay. I'm going to leave. I'm going to, you know what? We're going to play word things. We're going to talk about business. I just don't know what supplicate is. You said I'm supplicating. Okay. Don't worry about it. Listen. Okay. I'll move on. Like I said, when it comes to this business and when it comes to the things that we're doing and how you do it, we start from the ground up. And I bought every single thing and put towards this business to make a profit. With this money? No, with my money as well. And I know that I spent way much more. I came out of my pocket. How much more? At least about over about maybe $150,000. I know that for sure. What's the total? You're saying $150,000? No, total. What's the total? Spotify and Accenture are working together to reinvent the rhythm of ad sales. Using automation, analytics, and smarter workflows to simplify campaign delivery and access better data across the business. The result? Less time spent on operations. More time connecting brands. With the moments and fandoms that matter most. Total, what, we owe? No, no. How much have you put in overall? Total, with both of us, we put into this business at least about $300-something thousand dollars. Okay, a supplicant is to ask for something humbly, earnestly, or submissively. I don't remember doing that. Maybe I did. Was I humbly asking for something? Listen. So what's the other half? You said there's a second half. I really want to hear it. Other than I'm building from the ground up. What's the other half? I need some, like, information here. It takes more than money. It takes more than money to run a business. So let's, for a second, take money out of the situation. What are we doing to help the business? Every party that's in charge of the business. Me, Kevin, Ricky. Without the money, what are we doing to help our business build? As far as in website. As far as in making flyers for our price lists. As far as marketing. As far as getting out there, letting people know about our company. Me and Ricky are the only two people doing that. So what are you doing? I wasn't aware you were part of the business. What are you doing? Are you part of the business? I do marketing. As far as making our business cards. Getting out there, letting customers know about our business day by day. Word of mouth. Because it takes more than just money. She's the model for our business. Her and her friends are models for our business and stuff like that. Like I said, on our party bus, it's 15 feet high. We have models all across our party bus. How do you? People that know you, they know that the business that you run, right? Like, anybody that would know you, they know that what you have going on. Yeah. Everybody that knows me knows. Everybody that knows me knows about my company. And it should be the same for everybody that has a part of our business. Like, there shouldn't be, if somebody knows Kevin, they should know about the business that he offers. And they should know what services we have. They should know that. But they don't. Wait, what's the point you're trying to make? I'm sorry. The point I'm trying to make is besides money, it takes more than just money to run a company. As far as getting out there, talking to people, word of mouth, business cards, marketing, flyers, posting, content, all of that. The actual hard work and labor. The actually hard work. Deploy the. What's the point? That's the point that's being made. I'm confused. What's being said is what we spend. How can we grow and make money if we're not doing the things to make us more money? That's the point I'm making. Yeah, you can put money and money and money in. But if you're not helping marketing and getting your business out there, how is it helping it grow? Kevin, perspective on that. It's a lot to take in. I'm not even in the business in person. Even though you own 50%? In person. So I'm just out here. But that's the same thing that what she's talking about. Just because you're not there in person. Those things can be done from New York or wherever we're not. As far as in like marketing and website designs and pushing things out there. Do you have insight into the books? Can you view the books? Not anymore. Not anymore. Not anymore? Yeah, we got crashed with Square. Everything was put on Square. Square was not hemp friendly. Yeah. So they closed our account. So it was still primarily hemp and tell new laws. Yeah, the new laws. Things start to downpour. Cherry, what's your opinion? What's your perspective on Kevin? As far as in what specifically? Part of this business and whatnot. I mean, I noticed you talked about you and Ricky, but not Kevin. I mean, Kevin's a great person. Like he has put in a lot, but it takes, like I said earlier, it takes more than just money to help a business grow. It doesn't necessarily mean you have to be out here with me and Ricky. You can be at home. You can post on our business platform. You can upgrade our website to make sure that all of our services are up to date with the prices as well. You can help us market more, more bookings for the party bus, all of that stuff. You don't have to be in Killeen to do that. That's what I'm saying. I mean, everyone agrees that it takes capital and labor. That's pretty much what makes a business. Yeah. And the labor cost became too high. This is the only reason why. Okay. Can I have the whiteboard? I am just so I'm going to just have, let's have you Ricky, Ricky, you seem to be the boots. Okay. on the ground. Sorry, I didn't mean to trigger you. For this business, draw the business, the profit centers, the income. Just like tell me what the business is. For every source of income, you can give me like a percent of what that might be. Just draw out the business for me. I just need to understand something. Okay. So, God damn. It wouldn't come off. Anyways, so we did have a building. We would let the building go. But when we have the building, this is the building. Well, I just want to know now. The shop. You want to know now what's going on? Yeah, I just need to know what the business looks like now. There's an eraser. Yeah. So, now, you know what I'm saying? There's a bus. You know, that's God damn. There's a bus. There's three buses, actually. There's the party bus, and then there's the travel bus, and then there's the smoke shop bus. Okay. Gotcha. We got the smoke shop bus, the travel bus, and the party bus. And then we have a smoke shop. Car. Car? Yeah, we got a car. Okay. One of them got repossessed. Yo, that was a van that we had, which the motor didn't work. It was under my name. It was under your name? It was. I co-signed for that van. And it was repoed a couple weeks ago. Where were you when I wanted some money for free with no responsibility? Okay. Okay. So, shop car. Shop car. And then we got another van for the smoke shop as well, too. And this was that repossessed, this one? No. No, we had that one. Yeah. We got a total of three. But we have two. And then we got the food truck. Yeah. Okay. So, a lot of assets. Are there debt on these assets? No. These are all owned cash out. Yes. Why was one repossessed? Because that was the only one we were doing payments on. Why didn't you pay? Things got complicated with the whole business because, one, we made a mistake by getting loans. We got a cash advance loan. You know, we were- Merchant cash advance. Cash advance? He didn't take out, like, a personal loan, business loan? No. Cash advance? Yeah. A personal loan? We were- Yeah. We went on this business on a whole point. First, we got the credit card stacking, which was fine. We got the credit card stacking. Are you familiar with credit card stacking? You know, we got the credit card stacking. We got at least about, I want to say, about $80,000 worth of credit cards. Okay. Are you talking about just that endless transferring? No, no, no. Not the transferring. So, we went through a third-party service, and they apply all these credit cards. For us. So, we went- Oh, that's interesting. The first round, we obtained four credit cards at the expense of 12%. Was it 12%? Yeah. 12% is insane. No, no. We didn't have zero down on the credit cards. No, no, no. They're paying for the service. Wait. I am confused, though. It's not straight. How are you guys collecting money now, though? Now? Now is a different point. How are you collecting that straight? He's still building it. We're still building it. We have to take a pivot. No, but how does income come in? Where do you collect it from? Where do we collect it from? What are you talking about? I think- It broke, right? You're talking about, wait a minute. You're going from one subject to another subject to ask me some question to another question, and you've got to stay on one point on one conversation. You're confusing me. Well, I can do whatever I want on my show. I know what you're saying, but I'm getting confused on what you're talking about. Well, that's fine. That's why I'm trying to redefine it. So, Stripe doesn't work. How are you making money now? We're making money from the hemp shop. Yeah, but where is it hitting? Not through Stripe. Where is it getting transferred through? He's referring to POS. Oh, the POS system. I forgot the name of it. I forgot the name of the POS system. So, why am I being told it's going through Cherry's Cash App and Venmo? Well, the Cash App, yes. Because we had to start using her Cash App because my cash- You don't have any insight on that. That's true. And how does that make you feel, dude? If it was going through my business partner's fiancé's Cash App? And we put it through the bank. Which bank? From Bank of America. But that's- Is that negative? It's been negative for the past two months. Well, now, because we haven't made any money. Oh, good. Okay. So, yeah, let's talk about the money then. So, these are all the assets, correct? Right. Okay. So, there's also a podcast. These are all the vehicles we have. Okay, so that's the vehicle part of the business. What else is there? That's the vehicle part of the business. And then we got videography. And this is for events? Huh? This is for events. Right. Yeah. Okay. So, it's videography. So, we have the same setup you have here. We have, you know, whatever. Kind of. But, yeah, I get it. It's not kind of. You don't know what I have. But, yes. We have the same setup. Well, we don't go mobile and shoot events. So, kind of. I know what I'm saying. I don't go mobile either and shoot events. I do shoot events. Events go to you? What I'm saying is we have a stationary spot that we do it at. You know, we have a stationary spot where we have our same thing. We do the same stuff and whatever like that. Not on your level or nothing like that. Period. It doesn't need to. We're not competing. That's fine. But, I'm saying that's it. Okay. So, videography. What else? Videography. And that's it. This is all part of the business. We're down, on average, for each of those what they would bring in net after costs. Now, like, would they bring in? Now. Now. Not would. Now. Like, now they're not bringing in nothing but the videography. Because we just started. He's still building it up. Okay. So, what does that mean? What does it look like now, then? If it's still being built up, what's this still building? I understand the hemp one. Like, okay. We can, like, that's on hold until we figure it out. So, this all got changed just recently. In three months, everything kind of took a pause and stopped. Why? Because of the hemp business. So, the travel bus relied on the hemp business? Okay. So, the travel bus and every part of this business relied on one part of the business because it made so much money. And when it made so much money. So, you're saying all of it was subsidized. They're all money losers being subsidized by the hemp business? No. It's just I didn't have enough. I was starting to break off and push more into the party bus. More. Okay. This is what happened. Because it's a long story. And we're going to it in a quick ways. And you're asking questions about certain things. Try your best. I'm just saying. Okay. As far as the party bus and as far as in some of these vehicles and stuff like that and what happened in the situation. The party bus took, I want to say, $50,000 in creation and $20,000. That's chunky. Huh? That's chunky. Yes. And it took, because it was originally the mobile studio. Well, we had started at first. The very first thing, yeah. And we changed it into a party bus and I had put a wrap on there. We had got with a dude named Kevin that he ran his business for 30 years. I don't know this guy. I mean, I know him, but I didn't know he was going to take this long with the wrap on a bus. Not this Kevin. No, not this Kevin. Different Kevin. A different Kevin. Different Kevin. He took six months to get our bus back when we had a wrap on it. So, it took a pause on that bus. The transmission went out on the Wichita. On the Smoke Shop bus. So, we couldn't utilize that. So, where's the standing on every single one of these individually today? They work now. Okay. So, why is no money coming in? Because I'm only one person. We lost a lot of stuff when the hemp business went down. What'd you lose? We lost employees. Okay. But why would the employee for the transportation bus be funded by the hemp business? Because it was the only thing that was coming through. We had just got the bus back. Okay. So, what do we need to do right now to get it up and running? Let's say there was employees to run it. What would they bring in on net? What would they bring in on net on the party bus? Each individual item there. Not the hemp, obviously, anymore, but what would they. On a monthly basis or weekly basis? What was that first one? S? What's S again? That's the Smoke Shop bus. Can we still do that today? Yeah. Okay. What would that bring on a net if you had the employee in place? On net after expenses. Monthly? Are you talking about. Yes, monthly. Monthly after expenses? You're talking about we were running out and had all this stuff that was in there. You're talking about. You're talking about maybe $20,000 to $25,000 a month? Does that sound right, Kevin? You did the taxes. You've done the. I don't see that hitting the checking account. Listen, we have that hitting the check. Mass, man. We had that hitting the checking account for almost two years. But we never. Things are being run through her cash app right now in Venmo, right? What'd you say? Things are being run through her cash app in Venmo right now, right? Transactions? She don't have Venmo, but yes, cash app. Cash app. Would you let Kevin see your cash app? We do. Yeah, but all the business stuff isn't just on. I don't have my own cash app. I have other personal things that I get cashed at for. No, that's fine. Yeah, that's fine. But he would see the business stuff. Yeah, no problem. Will you show him everything? Can he see it? When they have a meeting every day, and Kevin talks to Ricky about numbers, so I'm not sure how he didn't see it when they have conversations every day about numbers. That doesn't make any sense. We show him the cash apps. We send over the things and stuff like that. Because if he never saw any numbers, why would he still be here this long? I haven't seen any of the cash apps. And you haven't seen it? He's seen it. He hasn't seen it. And it's not like. Why is he saying that? The thing is this. We just started using her cash app. It wasn't like it had been a. It wasn't the whole time. I know. When? When did it start? They shut down our cash app, and they shut down our Square. What do you use now? That's why we end up using hers. And we switched over, and we had to use another POS system. For how long, though? Like three months. You're saying you haven't seen anything in three months? No, I haven't. That's why. Okay, can he see? I mean. Yeah, you can read. She doesn't want to be on camera. He's not going to know which transactions are which transactions. No, I know. I know. He can ask for clarification. Take a little look through. Ricky's right there. Take a little peekies. Yeah. A little peek. Okay, so let's say $20,000. Great. Transportation bus. What would that bring in while Mr. Kevin goes through and looks? The transportation bus can bring anywhere from, let's say. Nats. Nats. After costs. After costs? $10,000 a month. Okay. That would be lovely. P. I forgot what P is. Party bus. Yes. What does that bring it in? It can bring anywhere. - After calls. - On Killeen, by the way. - About 15,000. thousand dollars no out here in austin it's in austin it's right around the corner it's actually right around the block the party was in a food truck i mean there's a lot of transactions there's a lot of food shopping gas i mean i just it's it's hard to keep it organized by the way the like your cpa is not gonna like and irs certainly won't personal and business all being collected in one i couldn't stop you know we didn't make the cash app stop we had to make a pivot to sit there and i know because you were doing business that was illegal in texas so uh okay okay do you believe these numbers because he's saying net you guys can make uh what is that forty thousand hours a month look i'll i look 50 i look at the numbers on our checking account it has never exceeded four thousand dollars balance so why okay why does it ever exceed four thousand if you're saying just those three you can bring in 50 net net is after costs okay uh that's that is you're saying you you're you're talking about suspicitary type numbers that can be done now what kind of numbers if we had them yo oh these were the numbers that would make would make would yeah if you brought them up today yeah if i had the money to do all the stuff that we would what do you need to get this done yes probably like 50 000 to get that done you ready to put in another 50 you know i mean i don't know why don't you i thought your big asset big lots of yeah i got a lot of stuff going on but i don't have no cash if you're so confident and borrow against your home put 50 in it we did that already i have so many i thought you said he had equity we do there you go but what i'm saying i already borrowed against it he does have a plan and you don't have to acquire more capital yeah what's the plan so um the same thing that we he did with the credit card stacking and stuff like that we already have in plan with people to be able to myself her and uh one of our other business partners to be able to do the same thing with our credit cards and be able to alleviate the thing about it was we wasn't able to get an sba loan we wasn't able to get an sba shit um this is a mess it wasn't a mess before this all started okay before this all started it wasn't a mess okay before when was it before it all started when was that it was last year cool last year what you what were you seeing on a monthly basis before we keep going a quick word from today's sponsor raise your hand if you've been putting off a doctor's appointment dental cleaning annual checkup weird skin thing whatever yeah a lot of you are doing what people do with money problems as well avoiding it and hoping it magically fixes itself but it doesn't and that is why this part of the video is sponsored by zocdoc zocdoc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love we're talking more than 150 000 providers 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create a budget that gives every dollar a job this episode is brought to you by accenture when your advertising operations fall out of sync everything else follows spotify and accenture are working together to reinvent the rhythm of ad sales using automation analytics and smarter workflows to simplify campaign delivery and access better data across the business the result less time spent on operations more time connecting brands with the moments and fandoms that matter most learn more at accenture.com slash spotify i'm so you never miss a cent get out of the endless minimum payment prison and take control of your money learn how to actually invest without losing your ass or your savings getting into real estate i'll help you avoid the money pit and get more profit and if you're unsure where you stand shame on you but you're in luck my newly revamped hammer quiz in just two minutes you'll know just how naughty or nice your finances look and if you've taken it before look out for some new and huge improvements oh and i have a special surprise for anyone who makes the quiz click the link in the description to learn more take the quiz take advantage of fifty percent off and finally finances for good it's not significant okay so what are we talking about then far as i'm not significant we have we have the numbers and you know saying it's showing in there whatever if you have the financial paperwork in our bank account we had the numbers showing that we were making twenty five to thirty thousand dollars a month that were alleviating going to the account we were just paying employees we were paying employees buying things for the company running the business when you're not there physically when you're not there actually he didn't have to be you can see it on the he wasn't looking on the computer on the square and the square you just look on the computer it's there all the sales were there everything that was there why'd you trust this guy oh that's a that's a he trusts me plenty of questions well why did you trust him to invest a couple hundred thousand dollars dude you a couple hundred thousand dollars with multi-millions in the s&p 500 by the time i retired i could have been a millionaire you did yeah why'd you trust him i was naive why i was 26 27 shut the up okay none of us do this at 26 27 i guess i was really persuaded and convinced that we would make multi-millions how did he persuade you though because it's the truth i mean objectively no not yet things i wasn't expecting for the hemp business to fall i wasn't expecting for a risky business like you kind of understand right i didn't expect for it to fall i didn't expect for the laws to change you know in texas i didn't expect paxton's been pushing for this forever man i don't look at this stuff like that and i don't look at the stuff that impacts your business look at it but i'm saying i didn't expect it to change that's who you're investing in the guy who doesn't look at another things that impacts his business you got sold great um okay nobody expected it to happen and it's more than just actually i did i've been following that they've they've been trying that actually they've been okay it's 26 27 you're they've been trying that since you're 26 i know over i've been following it for four years i know over 15 different business personally they've spent hundreds of thousands just the same as i've done they fell under just because they changed the laws yeah but they bet on the risk yeah when i did you weren't even informed on the risk i was informed on the risk you just said you didn't look into it i'm saying like i didn't think it was going to go change like weren't informed on the risk i was informed on the risk every day he even reminded me about the risk what what the what am i dealing with here he can't he can't how much money did we pay back kevin on that loan how much money was it the one that we fully paid back do what we paid back um on the loan it was like oh we took a small uh what's it called and then we paid back every penny the whole thing we we took like a small business loan from the reason why you we never saw any significant money in an account is because we took a loan and so this is what it is we took a loan and we were paying a thousand dollars a week a thousand dollars a week on loans that were coming through the account we're making them never missed a payment said they're made a thousand dollars a week every week on this account you know saying then we're paying another thirty five hundred dollars in credit cards every month then plus the employees then plus the mortgage then plus the lights then plus all the things that it takes to run the business and be able to apply the supplies to be able to run businesses i understand that but that's what went to the downfall and what happened after that after we sat there and paid off all the loans it was a financial freedom that we're going to go stand ahead then took on his head to put all the credit card payments which they were all spread or spread it around through the month you know where we how we subjugating and how we make how we make money is how we separate and put the money in in our accounts we're making 400 500 500 300 you know saying every other day and what happened after that such a mess okay you know he put all the all the payments into one day you guys took on way too much risk way too much debt to fuel this thing in an industry that if you did any research you would know that texas was trying to change the law on this was just uninformed moronic behavior across the board come on dude i don't smoke weed but i follow basic texas news and i followed it too and then we fought he just said you didn't follow it what i'm saying is that after it started changing i followed it i started but not that they're trying to change it look years ago we can't help but to sit there and find out what's going on because the suppliers that i'm getting it from are telling me about what's going on the people the news i get it from the austin american statesman it's also because it's probably one of the most it's probably one of the most uh generating income upstream better than whatever we had else going on that's why all of our eggs aren't in just that business that's why we have multiple different things so if the hemp did cut off well but the other ones are doing anything videography we still have our podcast we still have photography we still have the party bus we still have which isn't making which isn't making none of those are making it's making money you just what are they making right now right we just pivot and start to change and make more from it what is being made right now can anyone answer this question what's being made right now with the company with those buses and everything right now we're making anywhere probably about five to six thousand dollars every month for it does that sound right i don't know in videography what's being made yeah that sounds right what's okay yeah i don't know okay oh that's a lot of money for three people so so profiting five to six thousand no breaking even breaking even losing no not losing congratulations what a return on investment what do you think the financial score would be for your business zero to ten if you had a rate of today's you're being the absolute worst ten being the absolute best the financial score yeah if you had to rate two what would you rate it not four what would you rate it i haven't got a dime so it's zero if you want your hammer financial score get it for free at calebhammer.com figure out where you stand in the world of money where you're doing great where you're doing poor and what you need to do to become better check it out and if you don't want to be like morons that show up on this show no offense love you guys you guys are great people i think maybe you don't know you like that and i can't say that just make sure to download the dollar wise budgeting app sign up for it take the free trial see if you like it most people do they sign up for the annual version and when you do you get the budget friendly meal plan signed by me mail directly to you and the digital version of the cookbook for every single recipe check that out dollarwise.com or just download it in the app store of your choice i guess we gotta get out of the paperwork man this is this is what a mess what an insane stupid ass mess how much is the videography making on a month on a month um i mean i just started roughly just doing it hardly like right now so everything just like nothing's ever being done it's like now okay what about the photography i don't do photography i do video she said photography i do it but not like that not for money it's just for our personal things for our website okay the podcast you know what does it make we're not monetized yet hmm where do you post your podcast youtube instagram what is it uh hey you got over that a thousand the first thousand subscribers is the hardest yes um i haven't seen a podcast we let me guess we're just starting that as well no we're not just starting it i had uh kurt cobain's i had a little flip we had charleston white charleston white we had a bunch of different people on there we just haven't been posting much videos you got kurt cobain you have it it's on there you just have to scroll it's on there the one that's like dead no there's a rapper isn't that the guy who like did nirvana no that's a different kurt cobain this is the one that people know yeah wasn't it kirko kirko bane right it's kirko bangs he sings drink in my cup yeah okay which is uploaded on this channel yeah okay let's see most popular video let's have it sort by most popular let's take a second to load uh okay with a little flip yeah uh 2.2 thousand two years ago and you invested in this also it's 14 minutes um it wasn't like we were paying him it was like kind of like on a whim you know he was going to help us out and put us on there and stuff like that assessment of the 55 minutes i know you guys so far you said my 55 minutes you've known it so far the assessment you're going to give us an assessment assessment based on the 55 minutes i have so far yes yeah you're all talk that's it and you're a leech and you know nothing you're a cuck everyone's pathetic in like a different way here except for you because i can't say that to you i don't know how we pathetic or i'm thinking our business is doing one and no one and then that's what you got after your 30 seconds of pause takes one and no one is what you got yeah i'm rubber your glue is what you got after 30 seconds of what i said glue my glue what yeah i didn't i didn't hear what you said no the best thing you got was a middle school comeback maybe oh she is a stripper but anyways like i said um when it comes to the business and whatever oh she had a delay what was that again everyone says that like it's an insult it's not an insult no this is i don't expect expect much more it's not an insult no no no compliment i love strippers i see them all the time i bet they're lovely not usually respected for their intelligence you just got to talk about lotion and rubbing yourself and everything like that i don't think are you talking about the beginning of this podcast i'm not ashy what are you talking about me and lotion i don't know what hey you the one said it not me lotion yes what are you talking about you were talking about baby oil and some diddy stuff man baby oil diddy diddy geography yeah diddyography yeah because you're half the time inaudible that's what i thought i heard so yeah i don't think you go to strip clubs but anyways it was all in the i went with everyone in this room anyways when it comes to this business uh i you can say successful or not i know where we're going to be successful in this business i know it's always we're going to be after he put hundreds of thousands in for years and i did too i have a lot relying on this business a lot i'm sure but you have her supplemental disability of which we can't say is for for being a cook like i said i put most of everything that i had saying i love veterans veterans are the best among us they are literally we have the united states because of the veterans but we know for a fact on this show's history they're not a sacred cow we can't just be like no matter what it's all good no matter what and we've when we've had literally over a dozen people on the show basically brag about how they're getting fully funded disability for something that didn't happen i don't rely on her disability to do but you guys can so you know you can take more risk because you know you can fall back on it in the end if we all have a big safety net we're able to take more risk that's a basic reality her safety net doesn't recall me and doing anything that i'm well your fiance you're about to be married so that will be there i don't rely on that that's not the type of man you don't rely on it right now i know but it allows you to take more risk i am and you can't tell me what i'm doing i don't rely on no woman to help me with nothing that's actually the point period that could be sex is all you want i don't rely on a woman to help me with nothing that i do with my business period point except that money is there so you're able to take more risk because you know if everything were to go to shit you can fall back that's what you say but i don't well that's what the numbers say no those numbers don't say that i take care of my stuff i don't thanks to his hundreds of thousands i guess you're right you didn't use a woman you didn't listen that's what your problem is you're just sitting there and listen i told you that it makes this money to where i can make some i don't put on books you said had why would you not put it on books if you're not putting it on books i don't put it on books i don't put it on books that's illegal i sold i don't care about it being illegal i make my money well that's you know what i'm saying i'm gonna make my money to where you need to go i'm not doing i'm not selling drugs nothing like that i'm gonna make my money if i have to escape some taxes to be able to run my tow truck to make some money to get my company going that's what i'm gonna do okay so that's what i'm disability for an unknown disability as a cook and tax fraud yeah ain't no tax fraud what you just said i'm going off of your i'm not making enough money to sit up there and make taxes on my tow truck that i'm running you said you made 200 000 that would be enough money before we start running this business i don't have i'm one running the truck i can't sit there run that truck at the same time i'm doing this business i'm the only one running the truck so anytime i need some money for this business yes i will go take a call for a tow yes i will go sit there and go tow a car yes i will go repo a car to make some cash to be able to go buy product yes i know one's saying you don't work hard but i am saying for this business and looping someone in to give all this money put away the bits and everything that i've been doing and the jokes and the he he ha ha's when it comes you are all talk when it comes i'm not all talk you've been for him no i've actually told him what to do far as in what you do he's made less than a penny okay on his return on investment for hundreds of thousands of dollars and that was he's been sucked in due to the talk come on it wasn't sucked in due to the talk we haven't has it we lost because of structural things that happened to the business but before that he didn't make a penny before that we were still building it's forever building with people that are all forever building with that you don't know we're not running the business that we're running you're subjugating and putting things on on subjugating again not again man look listen look here look listen you're sitting up here talking about some things that you don't know no business about period talking about you're talking about hey you're sucking him in and not running the business i'm running the business like i said i'm giving the perspective based on the 55 minutes that i've had so far i know but you do your 55 you listen to five minutes of conversation and you don't know the structure of your business five minutes i've been listening to you a lot you've been rambling buddy you've been controlling the conversation you've been asking questions and separate just a good come back with her you've been separating conversations and putting a conversation here i'm trying to learn as much as i can you can't learn anything because you don't listen oh my gosh what have i not listened to you don't listen to the rest of the conversation what have i not heard okay when i finish so i have a sentence going i'm telling you about the business you don't listen to it you interrupt in the conversation you say something about the numbers learned what have you not learned yes how the business failed no i 100 did i said it failed more than just with the hemp company it failed Because the bus couldn't come back, because the motor went out inside the truck, because a lot of things happened with the business, between things getting stolen, between things messing up between the business employees, people had to fire back and forth. It wasn't just that. You're not running there. You didn't listen long enough for me to ever tell you. But you didn't listen to anyone who's ever been a successful business owner once in their life, because you know if you did, you'd have a proper business emergency fund. I listened to a bunch of people that said that. Well, then you listened to a bunch of. I didn't listen to a bunch of people. I listened to people that are doing more successful than me. And they helped me structure the business. Clearly not, because you would have an emergency fund for those things that would happen for your business. I did have an emergency fund. You wouldn't be going into a new asset in cash every single time without having an emergency fund to cover six months of that thing being broken, to make sure your employees could have food on the table, to make sure that you can replace a motor. You don't have assets that generate your income without the ability to fix it. And we did take care of that. You don't know what I'm saying. We did take care of it. You just said the consequence of it is it all failed because of that, because the motor broke down. Now you're saying you could have taken care of it? You're contradicting yourself. No, we. We took care of it. No, you didn't. Again, you don't know the ins and outs of the business. Give me the ins and outs. I'm telling you. When the motor broke down, we took it to a mechanic shop. Guess what happened to the mechanic shop? The guy did not give me back the truck for three and a half months. It wasn't our fault. So you should have had an emergency fund to pay the employees that three and a half months. We did. Then what was the issue? We spent the money. The emergency fund went out and depleted. Did you have an emergency fund? Because you've made zero dollars. No, I had an emergency fund. And I. I paid out of my pocket for my employees. I paid out of my pocket. I also paid for the employees. I wired you 50-ish grand and you used it to pay off the employees a year ago. Yes, we paid off the employees, but we also put $20,000 down onto the building that we were buying. We also put. We also paid for the wrap that was on the bus. That. And then we paid for the van that was coming out to the shop that took too long. That's where all that money went to. That money went structurally. To every spot and everything that we needed for the company. Well, why were you evicted from the building then? I didn't get evicted from the building. We left the building by our own choice to save money. Okay, I don't know. I was just told you were evicted. It was seller refinanced and we weren't able to make the monthly payments. I can make the monthly payment. I was able to make the monthly payment. I did make the monthly payment. We had the money to make the monthly payment. I told him specifically we're not going to pay another monthly rent because we don't have all of our full employees. We don't have all of our full product. It does not make any sense to pay. We don't have to pay the rent for the next month if we don't have the things to operate the business with. So I asked the financial owner. I said, hey, look, you can keep the money that we have and I'll take the loss. We're not having that money back. But give us a couple months to come out on this business unscathed so we can be able to leave because we can't handle the rent and we can't handle the mortgage anymore. On the personality side, I've met a lot of people like you. You're not unique. There's nobody like me for one, period. Yeah, of course. Of course. Yep, you're totally unique. No one's like you. Yes, nobody's like me. Wait, what's the point? The point is, you have a lot of pride. And for some reason, because of that pride and because, like many people like you, you can never be wrong. No, I'm always wrong with a lot of things. Not once in this conversation. If you can tell me something to where I can do now to help my business, I'm willing to listen. But you can't tell me nothing. But you can never be wrong from anything that happened in the past. I was wrong for a bunch of things that I've done. Nothing we've talked about in this conversation. Because we didn't go to that conference. We didn't go to that conversation. Yeah, we have. We've been here. No, we have not. It takes more than 55 minutes to sit there and go into conversation on what I'm wrong for. There was some mistakes that I made in this business on things that I was doing. Hey, not paying the taxes is wrong. One, I should have stayed. Shut the f*** up on that. That taxes white people shit. See, you can't be wrong. You can't be wrong. You know, it's not about paying taxes and what's up like that. There's more than paying taxes when running a business. We're sitting up there hustling. You don't sit there. Man, you don't know what I've been through. Just because it's a hustle doesn't mean you get to break the law. It's not breaking the f***ing law. To not pay taxes? Yes, it is. Yes, breaking the law like that. But what I'm saying is that, man, you're taking a subject to be right or wrong in a situation. Wait, it's just the law. You pay your taxes. Okay, we're paying the taxes. We're talking about one year. He's doing off books income. Okay, yes, I am. That's illegal. That's wrong. Admit it's wrong. Yes, it's wrong. Thank you. I never said it was right. You were justifying the f*** out of it literally seven minutes ago. I'm not justifying the fact is that I'm not paying taxes. You literally did. Rewind it. Why did you not put it on box? I make my money. Shut the f*** up on that f***. Okay, anyways, like I said, me not paying taxes is a hustle for me to be doing what I need to do. And a lot of people are doing it. And I'm doing it. It doesn't make a right. I don't give a f***. Okay, that's a bad thing. I don't give a f*** either. You're a bad person. Yeah, let me be a bad person. I'm the bad person who's going to sit there and do it right. And we should probably put you in jail for tax fraud. No, nobody's going to put me in jail for no f***ing tax fraud. Not enough to be on tax fraud. Like I said, I sit up there and run my truck when I need to, to make money. When I need to make money, I go make money to be able to run my business. I need to look at some f***ing statements. I don't know what the f*** I'm looking at. This is so much. I just need to listen. Apparently, I'll never have enough information to have any context on this business to determine whether or not the business that this guy has put hundreds of thousands of dollars in and made zero sense is successful or not. I didn't ever. It was a mistake. It was a mistake. It was a mistake that I made in the business. For one, we should have never, we should never. Kevin, I'm sorry. We should have stayed mobile. That's one of the mistakes we should have done, period. So, Veribank, what is this? What am I looking at? Can someone tell me? Okay, so there's a total of nine credit cards and Veribank's one of them. We all use the cards for similar reasons, for the smoke shop inventories, for other utility bills, but Veribank, that one's one of the smaller credit card limits. Are you going to say I came after you? That's why you're so verbally abrasive? No, I'm just being stupid. Because that was your excuse for why you got physically confrontational with people in the past. Where I'm starting to think that you get by everything- Physically confrontational with people in the past? Like who? Oh, verbal. Verbal. Verbal. Apologies. I didn't never get verbal- Apologies. Verbal. I didn't never get verbal with anybody. Even with the guy he's talking about, he answered that question. I never got verbal with him. Did he get verbal at all? Not with my CPA, but with the staff nurse at the clinical trial study. Yeah. This episode is brought to you by- This episode is brought to you by Accenture. Spotify and Accenture are working together to reinvent the rhythm of ad sales, using automation, analytics, and smarter workflows to simplify campaign delivery and access better data across the business. The result? Learn more at Accenture.com/spotify. Okay. Well, thank you so much for joining us. Well, listen, you owe $3,082.38 with a minimum monthly payment- Oh, there's fees. Minimum monthly payment, $86,061. What is their fees, Kevin? Late fees, unpaid fees. I said we have nine credit cards, three of them have already been canceled or closed. I'm glad I have you here, you're my quant. And yeah, you'll see a lot of the credit cards, they all have late fees. That's not very good. No, it's not good. Why are you late? It's all under my name. I thought you said you- Well, you're asking a dumbass question, why are we late? I don't have the money. I'm asking a dumbass question because your dumbass said you would drive to go make the money to make the payments. Yeah, I make the payments for a lot of different stuff. There's more than what's in the credit card. Just not the things on the business. To keep the business running. So that seems like a dumbass decision. No, it's not. I'm going to pay a credit card before I pay the gas and do the party bus? All me. Oh, that's very selfish of you. I'm glad when the things that don't directly impact you, you won't go work hard for. I'm working hard to keep in those credit cards. Kevin, is he working hard for this? He tells me he works. Oh, I'm glad he says it. 50, 60 hours a week. I'll get you a course career certification when you're ready to go get a real job. Sounds good. You said no? Ricky doesn't want to. Did you say no? Ricky doesn't work for people. He works for his self because he's a boss. Well, he makes zero dollars. He's not a very good boss. See you. Well, to the literal numbers on the paper. Also bosses pay their taxes. Sounds good. Yeah, keep playing with your Apple Watch. I'm going to get you out of here. You're adamant about this taxes shit. Yeah, it's a weird thing how that works. Yeah, okay. I mean, how are you going to do that? How is he a good boss? Wait. Didn't he lose all his employees? About 30 employees. She's doing the middle school. I'm just going to ignore the person talk to me and play with my Apple Watch activity. We had 30 employees, 20, 25, but we lost most of them. That sounds like a pretty good boss to me. She's staring at the ceiling now. Okay. We had to lose employees. She can't defend it. We had to lose the employees because we had to take certain pivots to be able to change the subparts of the business because we wasn't making as much money. So we had to. Some people are still there. Some people are still here. But we can't pay them. And a lot of people- We pay them commission-based for the most part, not hourly. Okay. Can you guys pause for a second? Pause. Take a breather. I think she needs to calm down. She might need to do a couple of dance routines. One second. I'll be right back. Oh. Mark, are we filming? Hi, there. Hi, everyone. Come in behind me. Oh. Come on in. Wow, this has never happened before. Get as tight this way as you can. All right. Okay. All right. Everyone be quiet for a second. Okay. So, here's my employee. Okay. Okay. So, we have employees that are in the office right now. Some are on lunch, but that's okay. Here's some of them. Employees, if the business, I was just like, "You know what? We're actually going to just do a quick little," what was the word he used? Change of direction. A pivot. A little pivot. And you guys all just lost your jobs. Would I be a good boss? No. No. Terrible boss. No. Now, wouldn't it be a very good boss activity? No. No. So, how the are you a good boss? Thank you. 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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 YouTube to pay millions for their 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 & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. - How the can you say you're a good boss? How could the stripper that needs to go get air because the stressful conversation of being off camera and having someone push back on her once in her life for the first time ever say you're a good boss? - Because I am a good boss. - Okay, very good, he stands on it. That's insane. - Yeah. - How? They all lost their jobs. You know what I do to take care of these people? The shit we do. I don't even know. I'm sure not everyone has the best opinion of me. You know, the bosses. Who knows? You know, all that good stuff. But it doesn't matter. The fucking sacrifice shit. The absolute investment we do into this business is crazy. - And I did the same thing for my employees. - And they're all gone. - And I guarantee you they'll come back. - Kevin? - They're young. Things can change for the better. - I never had a bad employee that never came. If we were to call them right now, they'd be like, "Yo, Rick's a good guy." - I'm not saying a bad guy. - A bad guy's different. - They'll say, "He's a great boss." - I don't know. - I don't have any of them. - I don't know. Sometimes you call the employees where you at, and they're not on time. They don't count the monies right. - That doesn't make me a bad boss. - Yeah, it does. That's a bad leader. - What? For them not being on time? - Yes. - Okay. - Well, yeah. If they're repeatedly not on time, they wouldn't work there anymore. Well, that's basic. That's actually very basic. They do that at McDonald's. - And then that's what happens with most of the employees that don't come in. - They get recommended when it comes to-- - They get recommended. That's good. - Every time I visit the shop, it's always a new face I'd never seen before. It's never the same employees. Well, there's one or two here and there, but most of the time, I'd never seen them. I'd never interviewed them or that matter. Not that I would care, but-- - Do you feel like you took advantage of this man? 'Cause he's a sweet, handsome Asian twink. I feel like he was just taken advantage of. - A lot of my friends-- - And I even did a racist accent of him in the beginning, and that was very offensive 'cause now I feel bad for him. - Taken advantage of? No. - Really? - No. - 'Cause all these credit cards are on him. You'll go work to pay your bills, but you won't work to pay the credit cards for the businesses. - When you say pay my bills, the bills that I'm paying are for the business for me to keep it running. - But not the credit cards of the business. - Okay. - Not the minimum monthly payments. - I have to pay for the business to keep alive for us to be able to pay the credit cards. - But it's $86. - What? $86 for what? - It was the monthly payment in the Veribank. $86. - We wasn't missing any payments. Like I told you before. - What? They're late. - Hold on, listen, listen, listen. The thing is you're missing this whole conversation and all these things before. - Yes, that's right. I apologize. I've missed everything. - We were making, I never missed a payment before. He put all the credit, listen to what I'm telling you. He put all the credit cards in one day. - It's hard to keep track of nine credit cards spread out throughout the month. - He put them all in one day. - I told you in advance. - So it wasn't just $86. - And you were fine with it. - It was 900, maybe 1500, $2,700 that was coming out of the account in one time. - Okay. - And as you can express, the minimum was paid on this. - Yes. - Was not on Veribank, but was paid on this. It is $3,621.50, minimum to payment 178. - Like I said, they all got moved on one day. When they were spread around during the month, we made them fine. When they got moved on one day. - But the Vera, okay, maybe, maybe, potentially. - They were paying fine. We didn't never miss any payments. - Okay, is that true? 'Cause that's your credit, is that true? - My credit score has changed a lot. - Oh, that's interesting. - He asked, was that true about the payments not being made? The payments were being made for years. We never missed a payment. - Oh, by the way, spoiler alert. I brought in all my employees that were here and I asked if I had made a change in the business and they all lost their job. If I would still be a good boss, they said no. So he would actually not be a good boss, but you said he was a good boss and that's incorrect. - He's not their boss, so. - What? He's not their boss, she said? - So that wouldn't pertain to him. I don't really care for their opinions. That's their opinion. - I'm not opinionating on you, not him. - Opinionating on me? - Yeah. - Wow. I've never been opinionated on. - Yeah. - Sounds messy. - Like I said, when the credit cards got-- - What logic was that? That's the most insane shit I've ever heard of my wife. - When the credit cards got moved, that's when the problem happened. When the dates of the credit cards got moved, that's when the payments first got missed and continuously getting missed. - You said that already, I got you. I got you on that, buddy. I got you. Okay, blue business. Wait, is this the same card? Or is this a different-- - We have three American blue business cards. - Oh my death. Okay, on here, $2,091.83, minimum monthly payment, 127. Interest, no fees, new charges. We're spending, what are we charging on? Square paid services, that makes sense. We're not paying for that anymore now though, right? - No. - Good, yes, please cancel that. Interest is accruing, of course. These balances are substantial, yeah. I mean, I'm sure it's like the credit usage that is destroying-- - Yeah. - That is destroying your credit. Okay, here's the third blue. Okay, okay. I mean, this is $24,405 and 31 cents with a minimum monthly payment of $2,704 plus fees. Okay, he's missed every month this year so far. I thought we were only late one time, we moved things around. It just turns out when we get to the big balance, you're just not paying it. - No. - Oh. - That's when it got, when the payment got missed is because he moved them all in one day. - Okay, but so he's done that every month this year? - Before that, we were making all the payments. - Like three months. - So every month this year, he's done that? - No, I'm saying that-- - You've missed every month this year? - Listen, when they got moved, they were moved permanently. - I got that. - To that one day. - Why didn't you then address that after the first miss? - I did address it. He was-- - Why is it missed every month this year? - Because we can't pay it. - Well, that's the real answer. Thank you. - What I'm saying, we can't pay a big lump sum of payment like that. It's already missed. - But that's the actual answer. Why did you tell me it's 'cause he moved the date? No, you just couldn't pay this. - No, you're not listening. The thing is, we moved the date. We already had these credit cards for years. We had the credit cards for years. I never missed a payment. - Okay, no one's debating that. - I'm saying after he moved it, that's when it changed. - When did he move it? - What is it, three, four months? The first payment we missed. - No, no, no. When did he move it? - I don't remember. - When did you move it? - Um, I can't give an exact date. - Round. - Three, four months? - Okay, three, four months ago. So we're talking March. And why was it missed in January, February, March, April, May? - We didn't miss anything there. - It's, buddy, it's been enough late fees to be every month this year so far. - We probably got late fees, but it was paid. - Okay, but you were late. - Okay, late, but it was paid. - I don't see this credit report, so I can't say a hundred percent, but I mean, it's insane. It's going to be thousands by the end of the year. - We've still paid it. - Interest and fees. - I didn't never miss, I never missed the payment. I didn't never say it wasn't late. I didn't never miss a payment. I made all the payments that were paid. - Okay, so W. - Oh, that's a car note. - For the business? - For the, yes. - The car that got repossessed. - The Sprinter van that we spent too much money on. - Drive a Nissan Altima? - Hmm? - No. - Just making sure. - What do you drive? - Uh, I mean, I don't have a personal vehicle. - Camry? - Used to. - Hmm. - What do you drive? - Dodge. - Oh. - Charger? - No. - Hmm? - Hornet. - Oh. - Am I missing something here? - I don't know. - Oh. - Racism. - Oh. - Oh, looks like a nice SUV. Okay, um, so I mean, you only owe, oh, you only owe 1,683 to get off your car. Whose credit is it on? - Mine. - Always you, huh? - It's always me. - That sucks. - Yeah. - I wish any of the burden fell on your business partner. - Hmm. - Hmm. - That doesn't seem fair, does it? - I have nothing to say about that right now. - Oh. - This episode is brought to you by Accenture. Spotify and Accenture are working together to reinvent the rhythm of ad sales using automation analytics and smarter workflows to simplify campaign delivery and access better The result? The thing about this, I mean, there's a bunch I can't say about it. It's just that the fact is that if I had the credit to do it, I would do the same thing. It was a couple of things that happened with me on my credit that had a problem. You have a bankruptcy on it. Yeah. And that's what the main thing is. Why didn't you declare bankrupt? Like I told you, I had 18 acres of house that I had. And when I was getting out from the property, and I can declare bankruptcy because the fact is I wanted them to stop because I needed more time to sell to this other company. So I declared it. I filed it, but I never went through it. I kind of just filed it and I went and sold the property after that. I just wanted to stop them from what they were doing for I could be able to sell the property. What's the Bank of America? That's the main business checking account. Yeah, it's negative $511. You can't, hey, just objectively, not a good boss, not an owner if your bank account balance is negative for the business. Okay, she finally agreed with something. Yeah. Right? Okay, she agrees with this. She thinks you're a bad boss. Finally, she agrees with it. Okay. This is objective. This is just a number. It says in her opinion, this is a number. You are not a good business owner if your bank account balance is negative. Thank you. For fuck's sake. We're selling our money. So who are we selling? That goes to, what's that? Arcadia? Arcadia? Where you get your inventory? Okay, so inventory. Merchants, merchants. I will say, at least it's, I mean, business shit. Verizon, two 206 payments. Verizon is our internet. No, I got that, but two 206? We were probably past two in the previous month, huh? I don't think so. I don't know why it's that. I don't know why I say that. Of course, we're getting overdraft like crazy. Then Amazon, Amazon, you know, Walmart, and Spectrum Mobile. I'm pretty sure we had like over 30 overdrafts. Oh, yeah. Yeah. Oh, it's not good. FNBO, what's this? That's another credit card company. Oh, it's gone up. That's great. Because fees and interest. That one is- Late. That one is closed along with the three American Express cards because that one was because I spoke with the representative. It was closed because someone- Glad you closed it so they can't spend on it. That's smart. Someone swiped it. Someone swiped it. Someone swiped it. And then it just paid the business themselves. Yeah. No, you should close every access to the debt that is under your name for the business. Time to learn the biggest lesson of your life. Okay, I have some advice. How do you feel about that? Oh. Wow. How does that feel, Kevin? Walk me through it, buddy. It doesn't bother you? I mean, there's two things. My life- My life is ran in a certain way. You know, there's two things in life you can never do. I spent hundreds of thousands of dollars and I have 50% of the equity. You go scot-free. You stole my money and ruined my credit score. I didn't steal your money, for one. As far as in- You persuade- You begged me to wire you 50 grand to pay for the employees and the car wrap. I didn't beg you to do nothing. I didn't beg you to do anything. Are you going to beg your stepfather? Or not stepfather. Or not stepfather-in-law for more inventory? I'm not going to beg anybody and ask anybody for no money towards nothing. I told you what the problem was and what was going on with the business. And you elevated to be able to put into the business. And I said, okay, thank you. Appreciate it. I really need that. This is going to help out with the business. As far as in me begging, I've never begged anybody. I counted 10 times I gave you money. Just because you gave me money? Because you asked for it. No. Okay. Okay. The word beg hurts his pride for some reason. No. Because he has full main character syndrome in life. Yeah, I have full main character syndrome in my life. Yeah, that's a little- No, it's not. Yeah, it is. None of us are. I know what I'm doing. We're just beans that exist. Also, how much was that wedding ring? Why? Why? Because it's right after I gave you the money. No. And you had the cruise trip. And you have the wedding plan. The cruise trip was free. Yeah. But our personal things. But does that have any. Our personal things that we do never come from the business money. It kind of does. Because everything goes through your cash app. Please don't insinuate that. Please do not insinuate that at all. We've never. Well, I'm going to insinuate it because everything goes through your personal cash app. I'm going to get something straight right now. Everything does not go through my personal cash app. All of our customers don't just pay cash app. I have never spent anything personal. Nothing with the business personally, ever. No offense, but you're not the most reliable person since you literally. I don't give a f*** what the f*** you say, man. The thing is, I ain't never spent nothing. Well, you should because millions of people are listening. I've never sat up there and spent nothing personal. Yeah, but you take every. But you literally pay yourself under the table. Like, you're not a reliable source of information for what you do with your money. I pay myself under the table because I use my tow truck to be able to run my own business. With how you do it, yes. Because I didn't pay taxes on my tow truck to be able to get some money. You're not a reliable person. Well, your morals are questionable. My morals are questionable because I utilize my tow truck to make money. Because you break the law. Yes. Because I didn't pay taxes on my tow truck. Because you chose. Yes, bro, you sound like an idiot. That's what you sound like. An idiot? No, I just sound like a law-abiding citizen who. No, because you sound like. Because of. No, you're Stoody Patoody on some things that. Stoody Patoody? I follow the law. If everyone followed the law like me, guess what? Things wouldn't be behind plastic things at Walgreens. And that's why this country isn't what it is right now. And that's why things are the way it is right now. Because of people like you who don't follow the law? No, because the fact is that. I agree. You just said some things. If everybody did this, nobody does that. Nobody does that. Do you guys follow the law? Big law followers here. Big fans of the law. Okay, you're being very biased. When it comes to the law. Bias for following the law? The thing is, nobody's going to murder or steal from nobody. Nobody, period. Now, when it comes to sit up here and going to go buy something or anything like that, or going to go work for something or go do something like that, there's hundreds of thousands of people that go work off books. Half of America works off books to make money. Buddy, because people do. Doesn't mean I think. Man, bro, you're bringing in. Working off books. It's not the same thing. This is because it's breaking the law in one way. And this way, it's not. But your example is. You're talking about breaking the law between smoking. And between breaking the law and working off books. That shit sounds stupid. And you want to get fused? That sounds stupid. That shit don't even mix. Being louder doesn't make you right. That shit don't mix. Now you want to get quiet. And you're the one being up and rallying at first when you say stupid shit. Okay, I can be loud if you want. That shit don't even sound right, bro. That shit don't even. That don't even mix. Smoking. And working off books are not the same thing. Apples and oranges, it's not 100%. You're right. But it's. You're going to use the example because other people do bad things, I can too. Bro, that. Okay, he doesn't get it. It doesn't. No, because it's stupid. And that's why you're stuttering right now. Because it's a dumbass answer. Am I stuttering? Come on, bro. You just stuttered. Huh? Oh, my God. Huh? You can hear. I don't remember stuttering. Maybe I did. Maybe I don't hear my own stutter. That's okay. But just because other people do it doesn't mean it's good. Okay, I didn't ever say it was good. That was the example you're doing. You're telling you is that you're labeling and smoking the. Injecting. To working off books. That's not the same thing. I think we're getting sidetracked. He's making a sidetrack. Anyways, can we continue with the statements? Yes. Your example is weird, buddy. I don't know why you sat here and defended working off books because hundreds of thousands of people do it. That's insane. Bro, here you go again on the same thing and the same stuff and whatsoever like that. Put away the. You're the one who mentioned it. How are you going to say put away the heroin thing when you said it? Because it's making you very upset. You opened the door for the shit. So I'm saying put it away. Because you opened the door for dumb shit and I don't like dumb shit when people say things. Let's close the door. Let's close the door, buddy. That door upsets you. Let's close it. Okay, door's closed. You're not scared anymore. Okay? I'm not scared. Okay, door's closed. It's just you saying something that don't make sense. The door's closed. Calm down. Calm down. The door's closed. Okay, no more. Door's closed. Hey, close the home. I get it. Door's closed. Okay. You saying just because other hundreds of thousands of people do it does not mean it's okay. That's a basic. Society exists because we choose to do good. Because we choose to be decent people and not break the law. Here you go with the law thing. Oh, okay, yeah. You're still going with the same shit. Why don't you care about the law? The basis of the law, period. Yes. Why don't you care about it? You know what? Why? You know what? Just because you never broke the law and just because you're. I'm going to have J-Walk. I'm glad you're perfect in your life. No, I have J-Walk. I'm glad you never broke the law. I'm glad you never did anything. I'm sorry, but. Why would I do things that hurt society? I'm sorry. You know, a lot of people do things that hurt society. I'm sorry. So that makes it okay? You know what? You're perfect in life. No, I didn't say that. You're evidently. But I don't defend doing bad things. I'm not defending. I had to do what I need to do. You literally were. That's defending it. Okay. I'm glad you're perfect. Maybe you need to teach me how to be perfect like you. Okay, don't break the law. Okay. Did you learn a lesson? Okay, no, because that was stupid. I just taught you how to not break the law. No, I'm talking about making money. If it wasn't for people that made excuses for breaking the law, we'd have safe cities. I wouldn't need to call the person at the front desk to get a toothbrush. How do you make the money to be able to get where you need to go to? Get a job. Okay. But you can't work for anyone, and I'm not surprised. Look how you behave when you're just sitting in front of a camera. Okay. I'm not surprised you said you can't get a job. I don't think you'd last there very long, would you? When did I say that? You just said he has to be his own boss. I never said he acts. I said he is. You said he ain't going to work for nobody. It's kind of a southern accent because I didn't want to. to do a black one i am i'll be racist brother you have a lot of subjective things about life septic things about life or you can't understand the shit i'm saying or whatever yes when you mumble that's correct okay like i say you have a lot of things that you think about life that are not right and you know saying following the law what i'm saying is that this is your business partner kevin really happening in life period i'm glad you're perfect he literally said he doesn't care if he gets audited by the irs and he said he's okay if i'm it doesn't bother him if i walk away it doesn't which i think is fair enough when on the onboarding conversation change people that want to walk away and he can't change you that's why he called you a fraud in the pre interview and he's right there's nothing fraud about me he called you a fraud i'm calling you a fraud the audience will call you a fraud call me a fraud because the fact is i'm going to continue doing why she's with you i don't know because everybody know that i'm not a fraud okay everybody except for literally anyone you are still there with me and whatsoever like that i'm probably they probably got all the jobs they're all with you except for them not working with you because they don't i don't have the money to be able to pay them i have a big support team when it comes to my company it comes to me and comes to everything that we're doing i have a big support big big support is true i can't verify that yeah i don't think anything he says will ever be able to be verified because it's off books okay yeah there's a light fee on that you're reliable truest what's going on that's another bigger credit card balance that was used for let me guess whose credit is it on all of them are my undermine oh that's interesting yeah that's something we already told you already though yeah yeah yeah i'm you know have doing a show right now i'm like keeping people up with what's going on and how you're a bad person i'm a bad person put all the responsibility and consequences on him and you have you're not gonna have to deal with anything no that's not where it's supposed to win that's not what it's supposed to win that is not way it's supposed to win the way everything is going it's not he's like speaking your native language wait what is he saying that is not the way it is man oh my gosh bro any water i'm good no that is not the way everything is supposed to be like all that stuff that you're writing down on way why is it because we supposed to pay it all that off like i said we were supposed to pay it off with sba loan guys i was we did not we we did not get the sba loan because we didn't know nothing about them not being able to loan to a interest late fees no one's surprised make of america what's going on um that's another credit card should i trigger him real quick whose credit is it on that was undermined what that's crazy i've been giving you guys lots of insults so let me give you a compliment all three of you are very attractive individuals individuals congratulations good genes well done okay she's stuck on the apple watch thing that's kind of her is that what you use to distract her no she's starting to misbehave we're still running things we have to keep running on an apple watch that makes sense with how these books look ten thousand dollars seventy one dollars fifty two cents minimum monthly payment one thousand seven hundred fifty dollars sixty two cents late fees interest interest no one's surprised it's a disaster it's a ass i gotta go on someone else's podcast uh-oh we've been filming a long time uh i mean i don't think we're gonna solve anything here for just being if we're being completely real inc two thousand dollars uh 183 minimum late fees interest inc eighteen thousand nine hundred thirty six dollars interest late fees no one's surprised bank of america hey at least there's not a negative balance on here even though the balance certainly went down oh actually returned posted check i returned posted check return posted yeah those are the most recent transactions oh that's wonderful why why are we uh purchasing uh timu on our business ricky likes to purchase things on timu amazon for work related i don't know what they are but uh there were stickers for the uh business it it ranges from anything it could be stickers it could be baggies or the grocery store you say what we own a food truck okay what food do you cook alligator tacos that's the most popular one alligator man honestly it's like the worst meal i've ever had i'll be honest i bet the tacos taste good because at least you cover it in a lot of seasoning shit but alligators it's like it's like the most mid food you should try it it's pretty good i'll try it you cook it yeah yeah the food after after filming this i don't know if i trust what you're gonna serve me but um i better i bet it's yummy i mean tacos are delicious so so listen guys it's such a mess in terms of you can't tell me how much it's gonna cost to spend i like i can't make a budget specifically what i will do the guy our fractional cfo i will get him to look at everything and spend hours and give you guys the rundown something that cannot be done even if we filmed a two-hour episode because he's gonna have to spend literally like a few weeks okay so i will lend my fractional cfo i've never done that before that is a big deal and it means a lot to me so i'm gonna lend my fractional cfo and i'm gonna give you a lot and you cannot be defensive he's gonna give you the real shit and you cannot be defensive i just want to be a man he's a boss the thing is is that i want to make this business work me too i want to listen to the fractional cfo he's gonna work through your shit but here's the advice i recommend i'm listening focus pick two of those yes sir kill the other ones that are not making money sell the assets you got throw them towards the debt whatever it is you know or just put them in a business uh check an account run the other ones lean tight all your energy focus on what you do best and what makes the most amount of money stop trying to do all these different things people like you and me yeah more entrepreneurial people we get excited yeah we see a business opportunity we want to do it this is a flaw i have to stop myself constantly and i've surrounded myself with people who can tell me to shut the fuck up yeah because you need those kind of people around you you need to not get excited you need to focus in on a couple of the profit centers that do really well and are proven okay yeah that's what you're going to focus on you're going to take the other money invest it into that or just leave it on the side maybe even pay it back you might have to go through bankruptcy man i explore that option that is a very real potential so we can just wipe clean and these business profit centers we focus on and you're going to run it all in quickbooks it's no longer hemp tied so hopefully you can use something like stripe or something again i don't know you got to figure out some kind of payment servicer but that's the reality getting away from the hemp maybe focus on the food truck and party bus you know that's yeah that's what we're trying i love that yeah let my fractional cfo clean up the mess of what is happening in the books he's going to need access to your cash up he's going to need access to all this shit yeah because the reality is it's a mess it's impossible for anyone to look at in the kind of situation we're in right now what we focused on was just a party bus and a videography for now you know we had we stopped doing the hemp because we didn't want to keep buying product and with the hemp business going down back and forth that's why we put up a bunch of vehicles and we didn't really it it it really hurts me and it made me upset to lose the uh the sprinter bus van that we had that you know and and get a repo like that i get it but the motor didn't work and transmission went out listen i mean i have to move on just because i have to go be on someone else's show in a bit we've been filming a long one but sit down my fractional cfo this is a mess and there is a deep lack of trust here and it is not unfair that that is there you shouldn't be involved in this shit i don't know why the you're here because it all of a sudden becomes a 2v1 thing which is just strict disgustingly unfair focus on your own shit let them deal with this get out of it they they handle all of that i don't know you're still a part of the business and you raise your you raise your opinions which makes no sense so let them focus on the business sit down with my fractional cfo hammer financial so i mean it might be the first negative ever it's not possible to zero 10 get yours at calebhammer.com there's a lot to talk about in the post show and i really need to get your thoughts on everything after this conversation so join us in the post show hammerly extra 20 minutes of this episode in three premium shows every single day six days a week check it out download hammerly or join on youtube it's up to you wherever you want to be i'll see you in the post show how often are you two sitting down talking about the business oh my god it's hard to get a hold of ricky kevin did say that he feels like you dodge his calls i'll drive a bus why don't we do a bus wait maybe we can do a bus tour ladies and gentlemen this is the second part of the post show here we are on site at the bus so this is what we're rocking with uh beautiful ladies on the side of it this is a gooner's paradise mark right 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 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