Austin Versus Miami Living

Well, welcome. Welcome to your mom's house This episode is brought to you by Street Easy. You gota ask yourself, W to talk about the time you lived in the greatest city on Earth or still live in it? In the city where a matinee leads to two AM tacos. Your New York era can last a lifetime. With twenty years of MYC know how, Street Easy can help you become a forever New Yorker. Visit streeteasy dot com to buy or rent in NYC. Street Easy is an assumed name of Zillow Inc which has licenses in all fifty states Welcome to the show. We're very excited that you are here for those of you that don't know. this guy puts out some of the most entertaining and informative content on the interter Webs, donon't forget to get the dollar wise app, watch financial audit, and check out Caleb Hammer on YouTube. It's Caleb Hammer. Let him hear it Listen those fans Wow, thanks guys. That's so nice. It's crazy. I told you, I have been watching your stuff for years and I had the u the thought Many times ago, I was like, oh, like, that'd be fun to do that show. And I was like, there's no fucking way going on that show. And I never thought, this is how my brain works Oh, I could invite you on this show. And then I seeing you on Rogan. I was like, oh yeah, we could have you on our show. Yeah. And I never did that. So I apologize, but I'm highly entertained by what you put out. Do you think I'd yell at you if you came on my show? No, you'd be like, what are you doing here? You're Yeah so well off Um You make tons of money and What are you showing off? Yeah, this is a brag. Why do you have all these cars? Yeah. No, it's just like, I love that you give it to the pores, you straighten them. you're always like, you fucking poor piece of shit. I love it Um, You you you deal with absolutely, here's the thing, I actually sometimes will be watching an episode of your show and be like, I can't watch this Be becausecause of the anxiety I get by the lunatic you have on and how fucking delusional they are. But you know, if they're having more fun than us I guess so. They're having more fun in life. They have no stresses. They should have more stresses. They have no stresses Because they're so checked out. Yeah, no, just like head is in the ground. They're done. They don't want to look Do how do the people get on the show? They submit like they Oh yeah, everyveryone watches it, just like you. They watch it and they go, I want to be on. So they think like you did, but they actually apply. then they go through the whole process and we figure out who has the worst finances. And then sometimes it feels like They're there and you're like, Wait dude, do you understand the show you're on 'cause they're so fucking Like Checked out. D this one blows my mind They all watch the show. they know the first question. I ask what they do for a living and what they make. And fifty percent of them, I cannot get the answer. It's crazy. What they make. It takes me like five minutes sometimes. S many times you'll be like, So what do you do? And the guy goes like, let me think ' like, What do you think? What do you do for a living, man? It's crazy. He's like, U, well, last year, you're like, what about now though? He's like, hold on a second. Let me see what am I doing You're like, what the fuck is wrong with you, man I don't know. thoseose are the kind of people, I guess going into the worst deb. Did you get into it because you like were you raised in a financially aware household Like was it a discussion No, I mean, I knew nothing. My family knew nothing. We had foreclosure notices on the house. Really? Yeah, they had me at eighteen, nineteen. My dad was a gas station clerk. My mom worked front desk parents. suuper young. They had no idea what they were doing. We didn't make good money. Anything we ever did that would have been fun was just funded on debt. Either a second mortgage or credit cards. it was horrendous. So of course I turned eighteen What's their advice? Max out a credit card to get a piano I wanted. And they're like, that's good. That's good. That's what everyone does. That's how you get credit. Yeah, you're eighteen. You can get a credit card now. So that was an exciting moment. Immediately max out a credit card like that took out a bunch of student loans to go get a bullshit degree that I didn't even complete I dropped out. But of course, you know, Like most American families, especially poor American families, the answer is no matter what, go to college. Yeah That's it. That's it. And it does have a premium on investment typically, but that was everything. So it was borrow whatever it takes to get whatever degree you want at whatever school Yeah I was maxing out credit cards like crazy in college Racking up crazy debt. Oh yeah. This just going out to eat every day. Yeah. No whatever you're doing. and you know, I did work through college, but I don't know if the live up with that kind of lifestyle. Yeah. And you know, borrowing for a car because I didn't make much money and I was a delivery driver anyway. so I needed to have a car Barn from family It was a complete mess. I just looked around my shitty apartment one day And I just realize like I'm not going to hit any of my goals. I'm not going to hit any of my goals. I was like twenty three or something right around there. And I moved down here in twenty eighteen and got a sales job making thirty thousand bucks here. And I was able to use that as an opportunity to work my ass off, figure out that system and got to six figures pretty quickly and just started chipping at that dayck consonsuming all the finance content I could, just chipping at it, then bought a first house and just continued that financial journey, gotot a quarter million dollars net worth before ever starting the show. But I was like, okay,. Okaykay, It's impressive. I'm doing pretty good by twenty seven or twenty six at that time. I want to do YouTube A YouTuber almost hired me He didn't. And I was like, shit. well I actually kind of really wanted to do YouTube. That excited me. It was like a two month process of getting kind of led on thinking I might work in YouTube. Yeah. I mean this is super cool. So it was just like, let me try it myself. And I was like, what's a show that I would like to watch that doesn't exist yet? And it's like a more extended version because there's lots of callin shows where you have short little interviews and stuff. I wanted that extended version Almos parasocial or really weird I get to see into someone's life. Yeah. That's what I want to watch. So that's what I ended up making. and ever since then, for four years, it's just gone crazy. But the main premise, besides all the drama and the slop and the fun with it, is to have the kind of conversation that someone should have had with my dumb ass at eighteen. That's really cool The funny thing is like I think about this all the time, like how poorly served we are in the education system growing up is like two like there's a lot of things, but two things that are so important to just life that we get nothing on in school is nutrition, like real nutritional you know, education and finance. So you just end like, you know, they go like, don't eat too much bread and likeat like that's what you learn. And then everyone struggles with like how they're supposed to eat And then finance wise You learn nothing, you just If you go to college, you're freshman in college, you're walking through the student union and they're like, you want a credit card? And you're like, ye Yeah And then it's like twenty nine point nine percent APR. and you're like, sweet And you're buying fucking gatorids off of them that end up costing you like thirty dollars because you fucking roll over the debt over and over. And you don't you don't know like I had a little advantage in that that's why I asked you about your household. L my dad was a financial advisor Okay, so P like fiscally conservative person He wasn't like, constantly he wasn't like drilling it, but it was always emphasized to like you have to put money aside for taxes You know, you have to have a retirement, a pension So like I had a I had a Roth when I was sixteen. Dam. That's so much more than most people get in their brain. Yeah, you know, that's a whileild. And put just like always have emergency funds and I had debt and everything, credit card debt, and I honestly wasn't able to just eliminate that until my career hit a certain point where my income you know, rose up to a point where I could Oh yeah, you know, just erase it, right? Well, that's show business, right? That' good one that starts off so poor. You you start out and like you're, you know, we were veryery much struggling not being able to pay bills, cover rent And then, you know, just like how it goes, sometimes something hits and you're all of a sudden in a different income level. But I've always I always had the mindset of like You, you know, you only spend more if you're earning more. Right. Like everything was like about tiers of incomees. that's smart because that's not what Americans do, right? That yeah, That's a difficult thing And's here's the thing, we live in a candy factory. Like that's what it is to live here. is you live in a place All day, you're just hit with advertising for everything, consumerism and they're like, your shit's not cool enough. wouldouldn't this be better? And you have to have the discipline to be like, no Yes, and be able to navigate that and Think about savings, think about retirement, all these things that are not sexy to think about The crazy thing is, though, right now and this is what's going to start pissing me off in the conversations and episodes I film the next couple of years Now we're at close to forty out of fifty states require a personal finance course to graduate. Hly Yeah, compleplete game changer. And that's been just the last few years. Like the governor of Michigan came on my show. did audit of the state of Michigan, but her big plug was that they passed that. That was a big thing, and she's really proud of that. and she should be But I mean, I don't know what you're like in school, but For me, I mean, I don't think my parents did very well in school. My brothers didn't do very well in school. I was an absolute dog sh. Exactly. Dog shit students, so was I If I was required to take the personal finance course, I probably would have done it D plus passing. Maybe see, you know Yeah and I wouldn't have learned anything, But that's what's going to piss me off is the excuse that everyone uses on my show is that no one told me. They was say no one told me, what's a wroth IRA all this stuff. They tell me that, but that can't be an excuse anymore. because now it's being taught in the majority states it'll probably be fifty states soon. Yeah And they can no longer use that excuse. And if they do, I mean, it's just going to be bullshitting me at that point. And there's also this like, you see it on your show and you see it in life is like There's that just Wful disassociation of reality where you're like Hey your rent's coming up and someone's like Yeah, I don't know, man. I'm just gonna go to the movies tonight and you're like, wait what? you know, like people just ignore that fucking the knock on the door basically, dude, you gott to do something right now. No, every time, I literally filmed an episode right before this where they were not able to make their rent payments, but of course, the further I went into the episode, I got their checking account, I got their credit cards. and I mean It was a couple and they spent minimum seven hundred and fifty dollars on bullshit a month. Yeah. But they couldn't make their eight hundred dollars rent payment. People like The what people push back on you the most and I'm not saying just even in the room let's say, like in public with they're like, well, you're not Like You're not being real about How costly it is out there. Sure. like, you know, it's it's expensive, which it is like it's an expensive society to live in. Things do Gost gas costs a lot, groceries, housing is expensive everythingvery's expensive. L nothing is it's not cheap, you know unless you move to like some stick whatever, Hillbilly village somewhere that no one wants to live. like it's expensive. Let's pretend you're the internet then. and you just said Yeah Okay, my response is Okay, now what Your mother is doing stand upp in Chicago, Illinois september eighteenth and nineteenth. Get your tickets at Christina. com This time of year always brings up memories of when summer felt much simpler and sweeter. 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Wh we're in a society where we make The vast majority of the outcomes in our lives depend from the choices that we make You can come from really hard really hard backgrounds. Some people are going to have that harder time getting up if you grow in pure povertyville heroin, you know boonies in the Appalachians or something. Yeah. So But for the vast majority of us, the outcomes of our lives is still dependent on the choices we make And even on that grocery spending thing because I know we saw we saw bad statistics these past few years with inflation. And you know, coffee went up like crazy for a little bit, eggs went up like crazy for a little bit. They weren't really inflation driven. They were more market things with like bird flew happening in big Gardn Brazil for the coffee beans. But either way, with all that, Tracked by the Federal Reserve As a percentage of income that it cost to fulfill a standard grocery budget in this country, it is cheaper now than it was one hundred years ago. when people were living the best American dream, right? When we all look back at the white picket fences, everyone could get a house single income, you know. So like everything, you're one hundred percent right in the cost of housing. buuying a house today It is crazy. crazy. It is crazy that like you used to, I mean you used to. But like I don't know, that that middle income housing opportunity that existed in like, let's say the eighties or something feels like erased like the houses that are available that are supposed to be accessible to someone, they're just priced out. It's insane when you look at housing prices. Yeah, for the median income in this country, the median housing price would require fifty percent of their income. That's crazy. It's impossible. That's not a livable no. that But you also don't need to own. And I do get shit on on the internet for saying this, where I say you don't need to own. I think owning's great I've pushed back on owning a little because know a lot of super wealthy finance people are always saying that online. Yes. They're like rent, you should rent and you know Yeah that it's like then the owner is dealt has to deal with any issues and you can leave whenever. and like they always try to advise people to rent. It's very standard in the personal finance community, but more than anything Right now, rent is like half a mortage if you get a mortgage. So let' is just like forget the landlord thing, forget the investing in the market versus owning a house. just forget that. With where interest rates are and housing prices versus income right now, rent is substantially cheaper. So I think owning a home is good. But a lot of people and I've had it on my show, they get into a house that really stretches their budget, but even more alarming. They get in without an emergency fund And what happens to you own a house Your roof, something happens to your roof any kind of utility, something like that. and mediialy you're just you're done screwed. Yeah. Yeah. So you don't have to rush into getting a house. I think getting a house is good, but it's also it's unaffordable for many people. Yeah. But I also I try to look at the good side when they talk about the bad side. Gen C says they're never going to buy a house, right? That's what we see. I mean, a quarter a quarter of them already do. What we do? twenty five percent of GenC owns a home. That's pretty good. You know it's a bummers. A lot of them stopp drinking. You've read that stat? Yeah. They stopped drinking. Yeah, it's fucking lame. And they're not having sex. Fucking, they're the Lamos. That's the Lemo generation. Yeah. You're not boozing up and fucking Yeah. How are you doing, man It's actually gonna to be bad for us. I'm not gonna to lie. Like, I know it's joke, but it's actually gonna be bad for us. Yeah Rre gonna have little drunk kids walking around? Yes, we need them The littleittle drunk kids, you know what I mean? Battle China. All right, let's look at this here. I didn't even play the opening clip. You have to watch the opening clip. Okay. okay, here you go, man Hey Retard from the Middle East Don't call back 'cause your word is you're not going to. If somebody cuts this video, I'm gonna beat the fuck at somebody around here any another to this That's the intro to the show. This is the intro to the show. Yeah. Oh ye. Okay. Yeah. It just, you know sets the table. Okay. ye. It's artistic, is's nice? Yeah. I don't know who that. Do you know that guy? Never met him. Okay So we sit here. We just sit here. Oh You can dance if you want T little sometimes A little too wite Aittle too white, huh To dance of my DNA Blackies Blackies. So wait, is that from my show? Yeah. ye. Yeah. that was a crazy moment. What's the moment? I told her so we had an interaction pre show. I was like, you're the whiteest couple I've met. I just walked in anded to break the ice. You're the whitest couple. And they're like, well, we'd rather be white than black. And I'm like, o. And we started filming Yeah. I started filming they were going on a cruise and I think any reasonable person doesn't want to go on a carnival cruise these days.. It's you know, a little bit of a mess. those videos on Tk. I was like, I doubt you guys are going on Carnival. And she was like, yeah, fuck those blackies don't clip me. But that's what she said. Oh, fuck really? Yeah, unprompted, nothing. Yeah. Nothing. And what's crazy is I actually kind of I kind of liked her by the end of the episode, but but that was a crazy moment. That was a crazy moment. What did did you tell her like, what the fuck? No, I brought in my black employee. Yeah. And to the set. you know, he gave her He gave her some of the, you know, carnival cruise treatment. He did. Yeah. He started dancing and doing the dip and little shit, really? Yeah, shhaking ass on camera.ool. Man, they really have a good time on those cruises though. Yes, it would be great if I fit in there, I'd love. Oh my God. You get on a black cruise. It's a fun time U hu. Yeah. I mean You never been on one? That's not mine. Dude, they fucking really do it up. It's the party never ends. o? Yeah. I mean, you gotta go, you ever go to Atlanta? No. So you don't really like them. No, I love them. o Maybe like they're fun. Yeah, no. Of course, of course, of course. Yeah. That's why I would never say that. You would never say F the No. I mean, blackies. Yeah Now Yeah, man. That's a wild thing to say on the internet for that lady. We've had a lot of N words recently. notot on the show Not them. Oh right.' not saying a bunch of N words are showing up. Okay. People have started dropping the hardart R, I don't know why? On the show? Yes, I don't know why. We done a few of these. Hold on. Hold on. So you're sitting there being like, all right, so your checking account is really overdown this one they're like N worward How What's the context in which they're saying this? The first one to really break the seal on that was a couple weeks ago. U and I don't know how we got on the topic, but it was like, people are afraid to say what needs to be said these days And I was like, what needs to be said And I was like, wait, pause So I brought in my black employee And that's what he said it. He said it when you brought in your employeee Yeah, he waited for him. so he just was like, that word needs to be said he says someone needs to say it People need to say it these days. Yeah, all right. I did call his boss and get him fired. You got him fired for? I got him fired. Wow. Usually I actually Yeah, I usually care for the people that come on the show, but I wanted him fired for that So That's wild. Yeah. That is crazy man. And so how did your employee becauseuse I'm kind of how did your employee react when the guy goes, this needs to be said and he says it? Oh, he loves it for content. He does. Yeah, he's a content creator. So what was the guy's like like I don't want but like what kind of work was he doing? Walmart A Nigger. Okay. That makes sense All right, well, that is pretty fucking nuts, man. Yeah. And you've had other hard R drip like dropps on the show? Absolutely And are they saying they're not saying it like this needs to be said. They're just like saying conversation? U Yeah, another guy was more quoting what his Dad used to be called Can I add used to be called that? Yeah, okay. Yeah. I don't know if we've had other hard Rs. so we had the Blackie thing, two hard Rs and then lots of And then the other ones are like Jewish things recently. Oh abouts the Jew drops. that's well, like, you know, Jew nine and eleven drops une nine eleven. All right. I don't know what has to do with their documents, but they love to bring it up. That's a thing too, men Um, yeah, what is this one? Sorry I am A fucking jewel. Differe you know, we try to give ' them all. tryry to have them all We started in Hebrew, you heard it? I did. It's confusing. Are you Jewish? Not. Okay. People think I am. I get it too. Yeah. Yeah. How do you feel about it? I'd be okay with it. Okay. I'd like it. More conspiracies about me, but they already call me Jewish online. so they do. I guess to me I am. Beause you're giving financial advice And the pererm. The pererm and the last name haammer. I guess is very Jewish. In like LA, they say like every lawyer like if they hear a hammer, they think he's a Jewish lawyer. Got you Okayuckah, man. So you're bringing out the best of the best on the show That's wild. That's wild, dude. Yeah. fucking okay. so now you got more things to look for. mean you do a deep dive on financial audit. Yeah not just financial information. No, the first half is getting to know them. If you get to know them sometimes they're a racist. or anti Semitic. It's crazy, I mean that somebody doesn't try to mask that on the show. You know No, the crazy part is we give them every opportunity to mask it. Yeah. We try to get them to not say it. We try to tell them before we film what they don't want to talk about Wow. So if I catch them cheating They would usually tell us before the episode that they don't want me to catch them cheating because then we'll respect it But if they don't, then I'm going to catch them cheating. And then it's on Then it's on I'm still amazed that a guy was like bring like, I want to say this to this guy's face. That's wild. Yes. We're gonna do a charity boxing match with my black employee and the Nward guy. Do you wantan to give the black employee a name Tyler. Okay. Yeah M mine's Annie, I just figured we should have named them. Yeah. He's right in there. Hey, Annie. ack employee's going on, brother. My black employee. I'll two be two with the other one. Okay. two I think we can all agree that online shopping has gotten dangerously easy, especially when you get to check out and see that purple shop pay button that already has all your information locked and loaded. You can say thanks to Shopify for that. Shopify is the platform behind millions of businesses around the world and ten percent of all e commerce in the US. from household names and brands like ours here at YMH. 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For simple online access to personalized and affordable care For hair loss, weight loss and more. visit hims. com slash Y m h That's hims. com sllash Y M H for your free onnline visit himms dot com slash ym Featured products include compounded drug products, which the FDA does not approve or verify for safety, effectiveness, or quality prescription required C website for full detailsed research and important safety information individuals results may vary based on studies of topical and oral monoxidl and finastasteride U So the staff here is fantastic, including the black employee. They submitted some financial questions. Okay. I thought it'd be fun to I don't even know what's in here. I'm ready. But let's just see like they're asking. I use my whole paycheck betting on Australian womomen's tennis and lost I guess Oh, that's the question. That's not really a question. It's a statement. but I guess we should probably tell him That's a poor idea. I'm guessing this is a man. It's not good. Yeah. Any, is that you? It's not me, but I mean, I've done similar things. Yeah, there's a lot of gam like gambling has gotten really popular. Yeah. Do you Do you feel like it's okay as long as it's like a small percentage of what you have? No, I think it's okay if it's not addicticting. Yeah. If people don't like ruin their lives with it.. Same thing with porn, weed, drinking, whatever. anything like that. Watch a little porn, smoke a little weed, bet fifty bucks, and then move on with your life. Yes. Yeah. Okay. financial advice, officially. Fair. Fair Um I kept all my money in life savings in my checking account up until last year. I'm twenty four. Okay I guess we could probably figure out who that is, but I guess last year was rough. Like what do you like when somebody runs into a financial burden a moment, an emergency. As long as they have something, like that's why you saved up for it. Yes. Exactly. And then you got to be you got to get back to it. You gott to keep saving again, right? Yeah, I was pulling up some data the other day just trying to figure out where everyone is now. try to stay in tune with that. and Fty percent of Americans don't even have four hundred dollars saved. Yeah That's scary What's more scary is nearly seventy percent of Americans had an emergency last year, averaging one thousand to two thousand dollars. If you just do the math, they don't have forty percent of them just like couldn't even come close. Wild. That's terrifying to me Yeah It's crazy that our systems like built on that too. I don't know how we haveven them fallen through the cracks. How do you look at your own like when you You get income from podcasting from your other streams of revenue comes in, do you do a monthly thing where you're like, this goes here, this goes like, is that how you approach it? terms of how I pay myself? Yeah, well just how you diversify what goes where? likeike do you go like this is going to savings, this is investments, this is like Oh. well, honestly at this point, like everything goes to investment. Luckily, I mean You know, I mean, we have a lot going on. So the money is really good. So it's the vast majority can just be invested. Yeah And I give that to my finance guys at this point because it's way too complicated. but Do you work with top tier finance people? Yes, yes. Absolutely. Yeah, I don't wantan to mess around at this point. There's too much at stake. The number's too big. So Nice flex, dude. I love it. Yeah, I mean, you know, the finance guy. And yeah, so most of it goes to investing. I'm renovating a house right now. so a little bits going into to that, but it's not too crazy. Here in Austin? Yeah And u You Were you How long have you do you have a big ambitious financial goal? I bet you do, right I have a number. What's your number? Okay, so I've hit my my first goal was five million. I was exciting. for net worth or liquid cash. Net worth, but the vast majority is liquid anyway. Hit that a couple years ago. thenen I wanted to get to twenty And we got there, I think thirty is like that's like my stretch stretch. G nice. And that's what my financial advisors have me to. They're like set that make that the goal. Yeah, if thirty' in the stock market, you don't even there's like, you don't have to worry about anything. unless you're in like the private jet class Yeah like buying a private jet class. Yeahah, then you really don't have to worry about anything. It's like it's a million dollars conservatively Every year for the rest of your life. Yeah operating costs. Yeah. whichich is incredible. Yeah That's u that's fantastic. How old are you thirty one. That's incredible, man Like that's really amazing. Yeah, it's been fun I mean, that's like Also, I think it should inspire somebody Eespecially a younger person to be like, that's possible. Absolutely. I mean it was just four years on YouTube now. pretty good I mean you got to there's a lot of things that go into, you know. L like we have a place like this too. We got ten thousand square feet here in Austin. So we have a lot of different shows. We kind of have our own network going on On our monthly membership, we have almost one hundred twenty thousand paying members at ten thousand hours a month for our network of shows. So that's huge. There's the budgeting app that you mentioned at the beginning. Y. So there's lots of different pieces of the pie. We're trying to build something large and sustainable Yeah. So yeah, I've been rewarded a lot for that, but it's really cool. I love we have forty people now. That's like my obsession. I love being able to build this organization with all these different people where we all get to like make shit together. W It's so much fun. You guys have a good culture at where you work? I think so. you know, there's always a couple of people that sneink their way in and try to get them out. It happens does No I frequently use Flarna to finance Uber Eats orders That I'm not actually against. Really? If If you're doing the pay in for and you're tracking your money okay, that's fine. Okay. When you do the pay in for because you can't afford it then it's bad because you're paying for and that, then you're paying for something else. and eventually it just gets to the point where your new weekly payment that you're on is just as much as the initial purchase itself that you couldn't afford because you're stacking paying fors. Did you educate yourself on how to You know to be so aware of and to be able to give financial adv wasas it all self education? Yeah, mostly. I mean, like I said, dude, I was fucked. so I just had to learn everything I could. And when it gets So the nitty gritty of personal finance is that basic responsibility. It's all honestly so simple. It's just budgeting Like spending lesson you make. That's really it, right? Basic foundation. So once you have that under control, I mean then you can focus on the nitty gritty, learn about each product like Klarn' and stuff. thing that scares me about KlarNna, P people don't do the paint for anymore They do the actual financing through Klarna, which is at a thirty six percent interest rate. Jesus Christ. Yes. That's what's bad. That's what's scary. I still pay pal paying for today We just went over my number. I do pretty well But I don't know. it's just like there's a part of my brain that's still like Oh man, I can and I can invest this extra money right now instead of paying for this thing all the way. So because there's no interest you paying for. It's fine Yeah But most people just abuse it and then they fall down that cycle, and then they're paying for it is are just stacking like crazy That's nuts. Do do you recommend that people your average person work with some type of professional when it comes to financial advice, accounting, etcetera I don't think you need to. For the average person, I think once stuff starts getting complicated, it can be worth it. But for average person, as long as you just budget fifty thirty twenty, classic, if you heard of fifty thirty twenty Now I've not heard of fiftycent. So that's just like a basic budgeting guideline. It doesn't work everywhere like New York or LA., but fifty percent on needs, thirty percent on wants, twenty percent on savings So very easy. You're still spending a lot of your money on fun. but instead of working with a personal finance person low cost index fund, something that follows the general like S and P five hundred. That's good. Do you spread around your market stuff a lot? Like do is it very like diversified? It's pretty diversified. Definitely since I'm pretty young, it's more aggressive, especially in like America the American tech companies, u That's definitely heavy focus there because I have time on my side. You do have time to Weather out the, you know, the hard things. I mean, I would probably have more conservative if I was if I was older, if I was like fifty five or something, I would probably be a little more bonds focused. but Yeah, we got some international in there, got a little bit of crypto, got a little bit of gold, got a little bit of everything but definitely like full USA American stocks. Yeah I have a theory when it comes to like people who invest. It's that if you are If you have like houseold. I mean, you said yours was not very like financially adept, but I think if you're around The markets when you're young, then when you start making money, you gravitate towards that. and the people that come from like real estate households, they gravitate towards that. Most people I know Working people that have investments It is like there's like hard splits. like my real estate friends are like so Real estate heavy. Yes. And then my stock market friendriends are very much into that and like For me, because I grew up in a household that talked about the market. It's where I feel more comfortable And I've been talked out of almost every real estate possibility that I've ever considered. Do you own a house? Yes, but I'm talking about it as like ext ye, extras. I have come to kind of a conclusion on my On my side when I think about for the average American. Yeah. like at the beginning I said, you know, maybe renting makes more sense. But I think actually for the average American, if you can get in a house, now I'm starting to think most should 'Cacause the average American is retarded.. So wit, you most should, what Get a house. get a Okay. because again They struggle, they spend everything. So the entire thing of not buying a house is so you take that extra money that you get for renting right now and put it in the stock market that will make more money than housing appreciation. The average American saving rate is like two percent last year Are they really going to invest the rest No. so force them to ride appreciation in the stock market because they will are in the housing market because they will blow the money instead of investing it in the stock market. Yeah. So buy a house and it's like Be your hand holding all along the way for the next thirty years. You are forced there. You're not going to get out. You might take a home equity loan if you're really stupid, you might sell it, but hopefully if you make a profit, but at that point you're at least getting forced savings because Americans are too stupid to not just blow the money Yeah, it's but I think with like finances what happens is that Pople People just think that it's too complicated and not Like when you go, this to comment it's not for me then you just go like, I don't you just don't even want to know. Yeah, you know, And that's why I it sounds probably peculiar, but that's what I I Think of the parallel to nutrition is that when you start talking like, grams of protein and like macros and c you got to people just a lot of people just go, right, just give me something to fuckking eat. You know, they don't want to take the time to actually hear the information and realize that it is you can figure this out. It's not as complicated as you can get in very granular on things You know, you can talk about financially talk about like shorting stocks and things that people are like, what the they don't understand what you're saying, but it's like you don't have to go to that level. No, in most shoulda anyway. Yeah, exactly. I just think that Well, that's a big advantage, I think to a show like yours is that you're talking about things in a way that's very accessible. you know, talking about spend less than you make is a very accessible idea. Yeah, you know? And like I think when people start watching a show like that, it makes them consider what they're doing too Yeah, for sure. And that's the point of the show You mentioned a criticism at the beginning of people like, o, you know, you don't get how expensive things are. Well, one of the more criticisms that I actually get is you're not qualified. First of all, there's no degree in like personersal finance budgeting. That's not a degree. You can get different certifications and take tests and whatever and a lot of different things. you can be an accountant. you can be an investment advisor, all that different stuff. For what we do, there is no certification.. It's so simple. People don't realize. I don't know why There is such an obsession with thinking It' it's so easy. You spend less than you make. That's it. Do you have a success story from the show? not in terms of like, I know you've had people on who do very well and that's like fun to see the difference of like o, I'm doing this well But do you have you ever had someone where They came on they a mess. and then you follow up and they're like, got their shit together Cstantly. It's every day. And our in that membership that people subscribe to, we do two updates a week with previous guests. And the vast majority, I'd say eighty percent of the time, they're positive updates. That's great. Yeah. I mean, the show's a mess. The show's chaotic, it's fun, spring or energy. and we love that. Yeah. But oftentimes you know It's a wake up call. They reflect on it and then they're actually they're afraid of being embarrassed on the follow up They want to get their shit together. So hopefully it's a part of the education they get afterwards. Hopefully it's a part of the show I bet a big part of it is they want to show that they actually did it and they don't want to be embarrassed coming back on. I bet you also have people that refuse to do follow ups, right? some but it it's most because people were such big fans of the show before they came on and are onboarding is so thorough People aren't really too upset afterwards. A A lady that was on She was a fucking disaster, dude. She She used to work in some type of nursing and then she's like I haven't worked a while. She had like every fucking PTSD type of trauma She was a fucking mess. I do not remember this episode, but listening to you describe it as annoying me. Yeah, ye, it was annoying to watch her. Yeah. Like the thing sometimes you watch this show and you're like fucking person needs to get hit in the head with a hammer. No, I think she was the one from Seattle or Portland. This would be I think W she Indian No. fuck. I can see we get lots. Yeah, no, you get lots, you get some crazies, man. Speaking though, you're saying like of accounting Um I don't know if you know Mike Fidel I'll just here play this for you. this is out there too for people, you know? I'm Mike Fideli from Fidelian Associates We're here in South Beach to provide income tax and IRS services to high net worth athletes and entertainers who have many serious IRS problems. If you do, DM me and we'll get you out of all your problems You know, So there's people out there for everyone to give financial advice and accounting, and especially IRS problems, that's a serious thing too. You gott to pay your taxes, man Yeah, it is. We have a lot of people not paying their taxes on this. that's crazy. A abbsolutely blows my mind And what really pisses me off is they're also the people that are getting like food assistance and stuff. So they're not paying into the system and then they get full taken out. It is I've worked with people too who that Time of year comes up And then they'll be like, you know, something casual casually said and they'll be like They'll say something where I'm like, Well, are you know, are you ready for that or something And they're like Now I've never done that and I'm like, you've never done what? And they're like, pay taxes. I'm like, you've never paid your taxes. And they're like, no There's no consequences for them either. I'm like, what are you talking about? And they're like, they never paid any taxes. I'm like You have to. and they're like, No you don't. I don't. Yeah. I like, okay. Well honestly, if you don't make enough money, the IRS is if you don't make enough staft enough. So. So like there's there's a threshold for that. I don't know if there's a threshold, but most people just fly under the radar. Do they really? I'm not aware of this. Yeah, everyone that's come on our show, they haven't had I think we've actually had one person in the IRS was actually like kind of attacking them. Other than that, so many people are like, yeah, I haven't filed in four years I didn't know that. Nhing Really. Nothing happens. No, and now that I'm making a decent amount of money, I just got a letter in the mail. I guess when we first started off in twenty twenty two, I didn't do something perfectly You know, when I was making a little bit of money from this YouTube thing, did' it do anything perfectly? and now they're like hounding in the mail. about that year? Yeah I'm like, I don't even know what the fuck happened. Like I don't even know. justust because I'm starting to make money now where people on the show. which the IRS should be thanking me for because I'm giving them free people to go get. Yeah They're facing no consequences. That's really ye. Well, it makes sense. They're like, we'llay attention to whoever's making money. Yeah. Yeah, because that makes us money. Yeah, But I'm happy to make up for the mistake, but it's just like damn. Yeah, they're pretty aggressive, man. They're pretty aggressive This is what I made today, bro. It's an account. this. Wh you're playing monsters and aliens in your mother's basement, I was doing tax returns for cash money. F of them were credit cards, but most of these were cash. This is around eleven thousand.. Okay. And this was about four or five tax returns. And then here we got another I was paying their CPA in cash I mean, it's Miami, dude, you know Around six thousand. and I got some twentyies in here too. Check it out. Check it out Huh? I made around seventeen thousand today on a Sunday, part time after I walked and ran. What did you do today? My little brother, how much money did you make? I'm about money. That's what I have a good day. Yeah, I mean, I guess both of our shows have it happen He gives all kinds of advice it's just about accounting, you know. Move her around from behind so that the pussy grips your dick and that's the way it feels good. We got to do that, man. And that that's a Brooklyn Rp, Rude. That is a Brooklyn motherfucking' rap. You know what I mean? Do you ever give pussy advice on the show? The Brooklyn rap is just taking her from behind to moveo her around We gotta move her around. Yeah. So he grips the dick, I think. I think that's what he's saying to do. I like hitting it from behind. ' you get to push you to grab you better when you're going from behind. You know what I mean? So I like to do that from behind. It doesn't matter. What about you? Do you like it from behind? I am a behind guy. You are, okay Are you going to take Mike Fideli's not only accounting advice, but his Brooklyn R advice and move it around so that it grips the dick better. I am. Yeah. See? See, you financial guys give all kinds of advice. That's good advice. Oh, that's it. Okay. Face is not withdrawn, it's not like sunken in, but your jawline is stronger Like your jaw line is stronger. and you know, a bitches like that. like they like a niggle with aong strong jawline man. So ye. Crazy, right? Okay, wow Fuck d I don't even know. Okay. Are you thinking about the jawline? It is. That's the South Miami P playay. That's the South Miami playlay. Yeah. Mwing. And the Brooklyn Rp, donon't forget about that. Yeah. Yeah, it's all of it, man Um Let's see. there's um There's you're a sales guy? Yes. I mean, so here's a sales pitch first time I had sex, his cck would big your open and went like crazy I couldn't walk for weeks. So so when I'm with the guy in their cock too wine I can't have sex with them, I said, I'll just give you head. And when I give them head, I lick and rub their holes. I get the best head they've ever had in their entire life. That's at a gas station in Victorville. It's toothless though. Yeah Could be good, you don't know You don't know. don't I know it's good. You know it's good. Yeah. It's experienced. Yeah. Yeah, there's all kinds of stuff. People aren like you give advice online. There's all types of advice being given out. Things to do to make extra money, affiliate markam blogs. T either one, learn on YouTube how to do them, make extra money She followed him I want to follow me. He'll teach me how to double my net worth this guy puts up videos every day that are like this. Okay. They usually get cut off a few seconds and he sounds like he's in a late stage of emphysema and he's fucking fantastic. He also gives soccer updates Yeah, they're all out there. You should have him on the show. I bet that'd be fucking amazing. I'm open. Sir, could you please head up Caleb to be on financial audit? I would love to watch that. Calebhammer d. com slash apply. Fuck yeah, dude. Um Let's see. I have something else to show you Oh We often play a game It's not related to finance where I just show you a clip and you tell me where whether you think it's horrible or hilarious. Okay. So I'm going to play you a few clips and just react however you would normally react. That seems fun Oh you go late. R you left. Oh, it's funny. Okay. One of the few. What? No. Sometimes people are just like just sad when they watch these, you know? They do the internet. feel like that ham. Oh, he broke his leg It's fun. I don't speak that language. That's good. Yeah, that was Portuguese Oh shit. I wonder if I that a lamand on her head. What's your bet? Yes? Hope so. Yeah That guy for sure Let's see. um She was knocked out, fuck yeah. That's pretty crazy That was pretty good. you liked that one. Why would these be horrible? See? He's a perfect match, dude. Way to go guys He's fucking bombing down this street Oh God. Is that before he gives the blog and finance advice in his car? I think so. I think so, yes. Learn how to market on YouTube. The thing is the scream is so great. That's what always gets me is when someone's screaming in agony. Yeah. I really that's what makes me laugh the most, you know He's okay. He's fine dude. He's totally fine Um, let's see. he was he was okay He just has some scrapes. Yeah, he's fine. Way to go, sir. You're totally fine Do you have general advice that you peci well, I guess the fifty thirty twenty is kind of a good one That's good. Yeah. And and then quite simply spend less than you earn Yeah, I mean, that's a good one. The show takes you in different directions. I know I like to go. This is very weird. I love it. No this is great. Okay. Yeah, pay off your high interest debt first. Yeah. Y high interest debt first. saave up a fully funded emergency fund six months that you need to live. Yeah And then you can start living your fifty thirty twenty, where you can start having fun again because you saved up for an emergency and you paid off all your bad debt And att that point You're hopefully just wriding the compound growth that comes in the marketplace with you. If you're older ye. You gotta maybe do like fifty, twenty five, twenty five, twenty five to invest twenty five for fun. Gotta play some catch upp A lot of people are playing cetatch upp in America anyway. I mean, people take so long. they say, oh, you know, I'm young, I'm in my thirties or I'm in my twenties. This is when I want to live. Yeah, yeah ye. And I want you to live there, but that's usually also when you have like the highest amount of student loans.. You don't really have any assets yet. and you're also in the best decade of your life to invest in the stock market because you get that incredible returns, that bell curve. You want to be investing as early as you can because you want time on your side. Do you have as a you're a young guy, you're thirty one, you're obviously done phenomenally well. Do you have indulgences that I'm saying, you know, cost money U, I mean, the house for renovation is a little bit. No. I bought a new house. That's like pretty conscervative.. Okay. so I have a flying phobia You have a flying phobia. Yes. You don't fly We're working on it. We're working on it. So I did recently. But to get over it, I wanted to have more control. So I rented a private jet., you chartered. That That was a splurge. That's a very big splurge. Yeah wasn't far. It wasn't far ' I didn't even need to go anywhere. What size aircraft did you go on in? It was so tiny It was so tiny six seats I think it was the same plane that crashed in Austin, Texas or on the way to Austin, Texas like a week ago, if you saw that. Yeah, some CEO in Austin died. I think on that private jet. Was that a net jets's flight? Yes. So I just did a super quick San Antono bvent from Austin. So it's practically nothing, but I just wanted to get on the plane again because I haven't been on in like a decade at that point. What's the cause you think of your flying phobia Um, didid you have a bad experience? No. I really like to be in control. You wantan to know something Kind of interesting. G it Statistically speaking You're much safer in a commercial airliner than you are in a private. I'm not afraid to dying I don't care about the crash. I don't care about turbulence. I don't like being stuck in a situation that I just can't like leave Like I don't know why. it just it freaks me the f How could you leave the charter I could be like Y, gott to have like diarrhea, Let's land. You know, go to the nearest airport, right? But I can't do that with Delta Oh oh, so you just want to be able to be like land now. I guess, just having that like not that You're not afraid of crashing and dying. No. You're just afraid of what is it like the do you like not like crowds and like the whole airport G good with crowds. Airport experience I'm good with. It's literally being on the airplane and not being able to say I need to change something. Yeah, because it's like okay, I guess if I had a traumatic experience, I'd like like panic attacks are super scary. Have you had one? terrifying experience. Yeah. And I'm afraid like If I have one and I can't like something That's like scary. So it's like you're stuck there. Yeah, you're stuck there for a few hours. Yeah. So like going back up to Michigan, my home state, like that's two and a half hours. I'm stuck in that situation for a while. So that part's scary me. So you have not flown in he long Well before prev before that like ten years. tenen years? Yeah, just road tripping. so that obviously means you don't travel internationally No, but the ten years ago was international though. So would you do that again or no? Yeah, I want to and And that's why I met with a specialist and that's what we'reking. you're really working on that. Yes. So I'll be doing a commercial flight Gonna do like the World Cup semifinals in Dallas. That'll be fun You're going to fly to Dallas. Yes. as a that seems one you could drive to, though Yeah, but I mean, I want to get on a commercial airline, get that you're going to get on the commercial airline. Yeah. How do you feel about helicopters U, dude, I don't know, everyveryone's dying in helicopters right now. Yeah. Yeah, I don't really want to do that. I put my family on a helicopter the other day. Okay. But I don't want them to die either, but I just didn't want to go. Yeah, yeah. You put them on a chopper. I did. A nice big, safe one? Nope But they're good. Okay. They were safe. How long was there It was like Literally smaller than this set that we're in right now. Yeah, like a little R twenty two or something, man. I don't know. it It was a tour helicopter in Austin. Okay, they took a tour. Yeah, it was really cool. They loved it, but I don't know, the news People are dying in these helicopters. Yeah. Yeah, they do. they do die. I don't want to. Yeah no. I just ran into a pilot we're talking about flying because I took some helicopter flying lessons and he was like, Ohh He learned he found out that I had trained at the school And he was like, you know, I used to train at that school. And I was like, o, I didn't even know that you were a pilot. And we were talking. And he was like, I said, you still go up? He goes, No I gave up flying entirely. And I go, why? And he goes, becausecause I just kept runanning into other pilots who were like, Ohh, you know who died, this guy, you know this guy it was just like listing that people that he knew were all dying Helicopters are not worth it That's so fun. Okay, I'll go. if you take me flying, I'll go. Really? If you You'll go? I'll heavily consider If you pilot C pilot Yeah, okay I'll heavily consider. okay? Re youlease set that up? Fuck me. Okay, That's getting a lot more real than Yeah When I was saying that, that reminds me of Daddy Reesei. To all you freaky bitches out there Come close Daddy Reent want to ask you something. Do you want daddy Reese's Cm Leaky. All out of your little tight rump He's a regular on the show. He puts out content and we just try to feature him whenever he drops something new Hey, He's great. Yeah, he drives a truck He makes good money. He makes great money And he's, u He's not cheap, he'll take you out. he'll buy you dinner, you know. He's not cheap. He's not cheap. But he' buy you dinner. I'm saying if you're a lady and you want to go to dinner, he'll buy you dinner. That's nice. Yeah And that's what I want to say. You like it up dinner? Yeah. That face? Yeah. He's pretty cool, man. He's a really cool guy Um, are you aware of u Fancy chehef Talk food Some might say it is. Okay, but he's a chef that we've had on the show. Okay. Chefs sometimes, you know can make crazy money when they do like privates or open multiple restaurants So this is fancy Chef going to the he tried to go to the mayor's to just like stampede into the mayor's office in I think in New York Yo, excuse me, yo, yo What? What are you doing here? I'm going to see the mayay? I gotta talk to the may. It's the hunger crisis in New York. I gotta go talk to him. Can you just leave me alone? I don't want to be bothered right here. Hey B,le you, How are you, sir? Oh, how you doing? How gonna I help you? I gotta talk to the mayor. cr the hunger cris inew York. guess what? I gotta talk to him. I got the recipe to handle this and salve it I would like to get him on financial audit too. Yes because he's got He's got a crazy quote for private dining. I wantna know like if it's really coming in. Does it have the hard R in it? He can say it. He does say The A version. Okay. But he's yeah, he's Harlem's finest chef. Okay. Yeah, it's really incredible. And Mondami's now supporting him? I don't think so. I don't think he is actually, and that's a real bummer. Is very pro DI. Are you do you get politically involved? I mean, I talk about things. I mean, I don't go too into like the social shit, but like economics, yeah. Economics, yes. Yeah What do you feel like what's our status here in Austin currently as a as a financially speaking as a city. Yeah. U the dePA resident in Austin isn't great. It's in the thousands. What? The deEppPA resident It's nothing like New York. New York's far But u, I mean, you know They tried to raise taxes. Everyone in Austin voted no. and me too because property taxes is already insane in Austin, which is good. So then they were forced to actually cut the budget and find reasonable places to cut, which was interesting that they were able to make those adult decisions once we said no But I like Austin. Austin's in Texas, We just Texas is pretty socialist when it comes to these property taxes. That's not what I'm liking because they do this big recapture. We pay property taxes to the city of Austin, but Texas comes in and takes a massive percentage of it and gives it to other school districts. So you have these rural towns not that they don't deserve good things, but they're building these college level football stadiums with property taxes paid for in Austin in Ain crazy. I hate that shit. Yeah. A big part of me wants to actually I've been Austin for eight years and I I kind of want to go experience Miami life. To move there? I want to move my studio to Miami. No shit. Yeah. I think it'd be fun. Better for guests flying in, because the Austin airport shit. And another there's zero state income tax state. And oers and the property taxes are better Would you maintain an Austin residence if you did that, you think? Yeah, because dollar wise is here. We got we got to make sure we still have everyone here. And Texas is a little better for business taxes. You have I forget what it' called. It's a franchise tax, where in Florida they actually do have like a corporate overall tax, which isn't great, but it's still better than the vast majority of the country. Would you Caleb on the beach like Miami Beach? Yeah, I'd be with our boy. No shit, you'd be with mya Fideli, yeah. Y. You guys could do a show together. Yes, dude Yeah, we can audit people together and we'll see which advice pans out in the end. Yeah. Well, he'd be like, you don't have to pay that fucking shit Yeah. Anyway, when you're fingering a girl, start with your middle finger Yeah, it'd be pretty cool to get all that advice. Yeah. But in general, I think Austin's good. So you might you might move to Miami. Maybe. I have another two and a half years in our office. So after two and a half years maybe. Oh, so it's something like down the line. Yeah, but I'm going to have to prep for it over the next year because everything goes so quick. These days's kind of crazy. So But yeah, I'll have to prep for it. We were heavily considering moving to New York for a bit Just because I mean reallyally hot in Miami and in Austin And I love the walkability that comes with places like that. That's the best. Like Chicago I used to I go to Chicago all the time because my home state of Michigan was really close to it. And I just love the lifestyle there too. in the city. Yeah in the proper city. Exactly But it just didn't make sense with like the random guests on our show. you never know who's going to freak out in the end and use their legal system as like a loophole to sue the show, which wouldn't happen down here or in Florida. The taxes are fucking crazy. Yeah. The mayor, like, I mean, I don't hate him as a person, but I mean, he's done some weird like personal things like standing outside of people's residents and mean like a rich person lives here We we're going to attack some more and that's like fuck. Like, okay, they already view me as pretty right wing, which I'm not even, but they do. And if I was there and he's very internet plugged in, I don't want anything weird to happen. Yeah yeah. So I don't know. Unfortunately It's not it wouldn't have a madeate or break New York, but I mean, I would have brought tax revenue. I would have brought at least twenty jobs with me. Yeah. or well ten jobs with me and hired another ten there, but ye I guess it doesn't really matter to them. Interesting, man. Speaking of New York Hey Nagar Falls. H the fuck f H this ain't talking about over Dwaterfalls, He talked about niggers tripping over their own feet. I heard what he said say, You did too. come on. That was right on line with this episode. Hey Are Falls Where's this episode on the hard Aard scale Right in the middle right in the middle the average. Okay. Heyanagra Falls. Yeah. I mean it's. I don't know, I would have enunciated that differently. Hey Niagara Falls. There you go. Niagara Falls. All right. Oh man, where does it fall on the financial audit It's light recently. It's light recently. Yeah. It grows. Holy shit. let's see what else the staff say're saying. I don't know what they're saying. I haven't looked at my bank account balance in two weeks. Is that bad No, I mean, unless you're like really bad with money. Yeah. should be okay. Right? I mean, if if you're leaving like a couple hundred bucks in there, yeah, you're probably fucked Yeah and overdrafty, but I think it's okay. It's okay. You got smarter people here Okay, something yeah. Yeah. Um, okay. This says I, twenty four female, have been paying two hundred and forty dollars Mth For six months for a luxury gym membership, I've only used twice because I got injured elsewhere when I tried to cancel, I realized I'm locked into a twelve twelve month contract Yeah, you fucked up, girl. Yeah, I don't know, that's it, right? That's kind of it, right? Like if you're in the contract it's kind of hard to break it. Tw forty a month. signed cost? Yeah, equinox, right? That's what it calls. Its. It's brutal. Really? Yeah, me and my girl got it too. I'm not going Not as much as I should What do do you want to Get serious about your fitness? I'd love to. I don't know. What's crazy is I actually get really good activity. My activity score on the Aura Apple Watch, great. It's food. Play a lot of football. I eat like shit. Yeah Not football, pickleball, but yeah, no, I eat like shit. because I work so long and then at the end of the day, I'm just like done Like it's interesting. I was able to cut out going out to eat and everything when it came to budgeting, but the moment it came to health, like for some reason it just goes around right? It's the hardest thing right. I struggle with the same thing, always fucking like trying to not be a pig. storory of my life. Yeah. I was propositioned to be in a Finom relationship. He never sent me money, I think because I wasn't mean enough, any advice on how to be a better Findom Okay Financial domination for those that are not aware is when a woman basically, I think insults a man and is like send me Money fucking loser and the guy this person's not mean enough. Yeah. So one of the women employees here is not mean enough. to be in a feinom relationship Okay. Okay, advice to just start We've already learned the hard R pull some weight here. Yeah There's a good way you could pull that out to start Yeah Dude. I would get so rock hard if a woman just kept dropping the N word on me. I'd be like, what do you want? You ever sing the R me neither Today All right Never? Hm You thought it. You thought it When jerking off. Do ever have a girl whispread to you? We'll try that later. dude. You do the fucking Brooklyn rap and havemer say, you will blow a massive load. I promise. In twenty twenty, I committed around twenty nine thousand dollars worth of mail fraud Fuck yeah. Anything to do there? Not really, right? Like if they didn't catch you. They don't know about it. No How do you feel about skirting this when people do little things that aren't like major crimes, but they get away with some financial benefit. I don't like it when they try to justify it. You just like just say what it is. Yeah. Yeah. And when they try to defend it, like crazy, like they're in the moral right and all that. No, you broke the law. Yeah, that's what annoys me. Yeah, that makes sense. Do you get that a lot on the show Yeah, lots of people who think Well, I mean, we had a guy Who We haven't uploaded it yet, but he's stolen a lot of things. he won't pay his taxes and he's fully justified with. It supports his business. so Oh therefore it's okay. therefore it's okay He used to employ people before he fired them also. Yeah. That's not really. It didn't work for me. No Like just say what it is. Yeah. Yeah. Yeah. it was still in trucks and things, I think. Really? I think He was still something that he was breaking into things and stealing things for the sake of his business I mean, it kind of like it's like when somebody goes if if you were struggling enough, would you steal to feed your family and everyone's like,. Yeah, of course. But also your soul, right? Like Yeah you can just be like, ye, I did it for this But like also just get on food stamps But food stamps, man Are they still around? Yes. No, we got people on food stamps endlessly on my show. Really? Endlessly. But of course, they're on food stamps, which means they don't meet an income threshold, which I think in Texas is like like for a single mom of with two kids, it's like three thousand five hundred dollars a month. If you make under that, you get food stamps. Oftentimes it's their choice not making that much money though. And that's what's crazy. I think it really sucks if someone gets laid off. Let's help them. Let's help the fuck out of them. Yeah. But when I have someone who comes on the show and they're like, well, I'm just trying to build my own business. I'm like, Okaykay, so we're literally supporting you subsidizing you trying to create your business. Yeah. Like I guess what I should have done when creating this thing instead of working two jobs at once I should have just stopped let the society support me so I could try this thing Yeah, but don't you think that just comes down to like there's never going to be You're never going to convert someomebody with that mindset to being like a driven w Yeah, absolutely. But of course, they're the one trying to build a business and we're supporting them. So what is there to do in the end? I don't know. Yeah. hopefully fix the system I'm another that guy. Um Do you believe in doing anything to If you're struggling to get by And one of the housing we talked about is a big deal, right? And if you don't have the access pay for the house that you need or the rent that you need Get roommates Yeah, just do whatever in order to like get by, right? Well, you need a roof over your head. Yeah. Without like an address to mail, it's hard to get on benefits, it's hard to get a job. So you need an address. Start, there's group homes. it's really not good. There's group homes where like a woman could live with like five other women, ten other women, it's not great, but there are so many options that people aren't willing to do as a last resort That's what really sucks is people justify the fuck out of getting a two bedroom apartment for them when it's fifty percent of their income when we find onzZillow or apartments. com, whatever We find A studio apartment in the same area That is like But sixty percent of the cost on a monthly basis, but they just won't do it because they feel it's beneath them. Or Ive or I worked my ass off in college to get this job so I could finally live on my own. I deserve the too b. They spend too much. Yeah. Yeah. and should do be just do whatever it takes to not spend as much including offering yourself up guys who love the fuckking fuck good. If you're a hot black guy, you want to fuck me at twenty three ninety five. If you want to move in, you can move in, but you gota fuck me. I need to be fucked a lot, man. G re free food, free rent and everything else, man. He's a deal, man. You know I want to take on something. I was having a debate with my friends the other day. Who do you think gives the best blow jobs? between out of any group Just curious your take. I haven't had many from guys, so It's hard to say, like if they're the best. but just o your brain can get a little gay before your body though. So like like, what would you think? I think that like a guy that's been chugg and cock for years I think it's black men That's the hell I'm dying on. that they give the best blow job? I think so. I think it's a sassy, fat Black man Wow. Be I mean, no one really wants to get with a fat woman, but we know fat women give the best head because might be the last one they ever see. Wow. But think about it with a man. you got the thick lips, B black dude, sassy. I feel like that has to be the time The sassiness plays a role in the b I think so you get the motion in the sass. Okay So that's what I personally think. I don't know if I'm willing to test it myself, but that's what I think. And you're saying that the men, for sure you're saying are ahead of the women I think so. They know how to work the system They just know the parts better. Yes, of course And have you had anybody weigh in on this like who has experienced this Some people are just so afraid to think of a fat black sassy man suck in their dick. But what about there's somebody out there? mayaybe who watching this show that willll tell you Thank you whether or not that's true or not And you get to come in their beard Yeah, That's cool. Do do you think they'd let you though? I feel like they're taking it off. Somebody with a beard might? I have a beard I've never thought of that Gotta get your take on that though. There's nobody gay here No How's a pretty gay voice though. Yeah ye We're overdue for one though. Yeah. well, let's put it out there. And this is a great thing. I mean, you won't be here for the feat, but when this episode comes out If you're in the gay community Is there like a Do you find a certain group gives the best head? That' that's really interesting. It's important science. And then from women, do you think there's a class of woman that gives the best? The higher the class of obesity, the better. Unless we get immobile. Imobiles are I feel likeac A little less motion there. Oh So that's where it starts, you know, go down again. So like a physically challenged person. Yeah. so on the chart, there's like there is a threshold. Well, you thought about this a lot. Of course. The fatter the woman The better it gets until you're immbile, then it starts going off the cliff. Wow So like a skinny Hot chick, no good No. I mean, that's what you want. Right. But is it what your body craves? Right? no, they want Yeah. Sobbering ike it's a meal. Mhm. Dude, what do you think in the booth Yeah, I think this checks out. I think I think gay man for sure, but the fat black Th those are all good takes An I already said in the past, we do everything better, so I'm sure we do that better too. Wow, shhit, man. M. Cougar? I mean, these are all straight facts, it sounds like Man, like everyone's supporting your idea. Of course. That's a hot science. Yeah. That's a hot take spepend less than you make. fifty threety twenty and get a fat black sassy man to suck your dick. Also get the dollar wise app. and watch financial audit on YouTube Those are all the plugs. I'm trying the Brooklyn wrapper on later. Dude, try the Brooklyn wrap and do your accounting in cash only. That's the best advice I can give. Thank you so much for coming on the show. This was super fun And yeah, I hope we get I'm gonna take you out on a helicopter. Fuck. Yep, it's happening. Thanks for watching. Thanks for listening. We'll see you next time Guess them Oht know my d right now op to Jeremy Gess them. plan from miss of man Get downown with breast tack rum whoa Ra down breast tack Wh rum whoa R who Rum whoa R get down with breast rum Wha R who Rum whoa Rum whoa Rum who Let's get down with Bndmax Wh R. and abuse come over and fck the shirney Dfuck use and abuse Get on Yeah, not' a fun layer Oh guess them. Whone! You're off gonna getone! You're off gonna build Let's get down the gax Whone! You're off going get Oh get b. Rust in and R. come over and fuck the shit at me. Snack me around Open my leg. No whole bars gad of my dad. What this fuck homean? Let's get down with for his tack yeum.