I Finally Snapped | Financial Audit

Summary

Financial Audit – "I Finally Snapped" with Doomsday

Podcast: Financial Audit
Host: Caleb Hammer
Guest (Pseudonym): Doomsday
Date: July 13, 2026

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Episode Overview

This episode of “Financial Audit” features an intense, wide-ranging conversation between host Caleb Hammer and “Doomsday”—a 25-year-old finance professional from South Dakota who goes by a chosen name and lives an unconventional life on the road. What starts as a financial audit quickly spirals into a heated debate on social and political ideologies, personal accountability, and structural economic issues, with Caleb challenging his guest’s assertions at every turn.

The tone is combative, sarcastic, and unfiltered, as both host and guest sharply critique each other’s viewpoints on everything from family estrangement and pronouns to capitalism, socialism, housing, and personal budgeting.

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Key Discussion Points & Insights

1. Family Estrangement and Identity [00:59–09:45]

• Doomsday’s Background:

  • Estranged from biological parents; chosen family within queer community.
  • Claims family cut ties due to "extremism" and lack of minority inclusion.
  • Major rift over pronouns/gender identity and political disagreements.

• Caleb’s Challenge:

  • Pushes for specifics on “extremism”; suggests Doomsday may be using the term loosely.
  • “Are you sure they're the extremists? That seems like a more extremist position, where if someone…disagree[s] with 1% of things, they’re a fascist.” – Caleb [09:45]

• Memorable Moment: Caleb’s repeated attempts to get Doomsday to define extremism; frustration when guest cannot articulate a robust definition. [07:59–08:45]

2. Social Programs, Government Intervention, and Structural Critiques [10:09–24:00]

• Doomsday’s Perspective:

  • Advocates for more robust social safety nets—free toothbrushes, phones, internet, and housing—even suggesting state-run grocery stores.
  • Critical of data centers’ impact on water and sound in residential areas; supports community regulation and mutual aid.

• Caleb’s Counterpoints:

  • Stresses that U.S. already provides for most residents (“99% have Internet access”), questions efficacy/history of state-run programs.
  • Points to data: “In 1960, 17% of income went to food. Today, 9.7%...Middle class American today lives better than kings in the middle ages.” [34:47–35:31]
  • Claims the increase in tuition, housing, and healthcare prices is driven by government intervention and bad regulatory policy.

• Notable Quote:
  “You don’t understand the actual outcomes of the things you ask for. It’s all moral masturbation on the front end, nothing on the back end.” – Caleb [32:24]

3. Capitalism vs. Socialism (and Misconceptions) [18:14–47:03]

• Doomsday’s Ideology:

  • Self-identifies as socialist, critical of capitalism for "letting people die" and prioritizing profit.
  • Cites Cuba, Kansas municipal groceries, and mutual aid as positive examples.

• Caleb’s Refutations:

  • Demands examples of functional, socialist economies; asserts even Scandinavian models are capitalist.
  • Emphasizes that outcomes, not intentions, matter.
  • Challenges definition of fascism and socialism; asserts fascist states are closer to socialism than capitalism.

• Memorable Sparring:

  • “Have you seen our poor people? They’re fat. The poor people in the United States have to take Ozempic.” – Caleb [21:41]
  • “You know nothing. You use buzzwords and you know no actual reality.” – Caleb [47:03]
  • “I know that people are suffering and there’s gotta be an ‘Al.’” – Doomsday [47:03]

4. Minimum Wage, Statistics, and Personal Agency [35:41–39:09]

• Doomsday:

  • Argues many are stuck working multiple jobs or earning minimum wage, making survival difficult.
  • Cites anecdotal evidence from travels and activism.

• Caleb:

  • Corrects statistic: less than 1% of U.S. workforce earns federal minimum wage.
  • “You’re outraged, you’re performative, you’re a virtue signaling moron. You have prepared talking points and you know nothing about the real world.” – Caleb [36:44]

5. Housing and Cost of Living [29:56–31:53 and 57:40–59:56]

• Doomsday:

  • Laments that as Gen Z, home ownership feels impossible.
  • Cites personal inability to obtain housing; critiques zoning policies and rent control.

• Caleb:

  • Provides data: 25% of Gen Z already owns homes; most Millennials eventually do.
  • Argues NIMBYism and restrictive zoning policies—not wages—drive unaffordable housing.
  • States housing is not an entitlement; touts advantages of renting and investing in the stock market.

6. Personal Finance Audit and Behaviors [65:45–104:16]

• Doomsday’s Financial Life:

  • Income: $60,000/yr, recently raised from $50k.
  • Lives in a converted ambulance—not a home-owner, avoids rent, but racks up credit card and personal loan debt (~$21,000).
  • Financial struggles blamed on unexpected car repairs, travel for work, lack of severance, and preference for eating out rather than cooking.

• Caleb’s Audit & Advice:

  • Points out $1,183/mo in minimum debt payments—unsustainable, worsened by discretionary spending (“bullshit” expenses like eating out).
  • “You make $60,000 a year. If you're getting help from people, you're pathetic.” – Caleb [73:08]
  • Encourages cutting non-essentials, meal prepping, minimizing debt.
  • “If you only spend on that bullshit ... it takes you almost like 4 years to pay off your debt. Make it a year and a half, be it.” [104:16]
  • Assigns a Hammer Financial Score of 1.5/10 for Doomsday.

7. Tax System & "Fair Share" Arguments [80:16–85:04]

• Doomsday:

  • Claims U.S. billionaires/corporations don’t pay their fair share; suggests unionizing top corporations.

• Caleb:

  • Provides IRS stats showing the top 1% pays ~35–40% of all federal income taxes.
  • Explains relative progressivity of U.S. tax system vs. Europe (VAT taxes hit poor harder).
  • Calls out lack of understanding around taxation, VAT, and business deductions.

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Notable Quotes & Memorable Moments

| Timestamp | Quote | Speaker | |-----------|-------|---------| | 09:45 | “Are you sure they're the extremists? That seems like a more extremist position, where if someone…disagree[s] with 1% of things, they’re a fascist.” | Caleb | | 21:41 | “Have you seen our poor people? They’re fat. The poor people in the United States have to take Ozempic.” | Caleb | | 32:24 | “You don’t understand the actual outcomes of the things you ask for. It’s all moral masturbation on the front end, nothing on the back end.” | Caleb | | 36:44 | “You’re outraged, you’re performative, you’re a virtue signaling moron. ... You know nothing about the real world.” | Caleb | | 47:03 | “You know nothing. You use buzzwords and you know no actual reality.” | Caleb | | 73:08 | “You make $60,000 a year. If you’re getting help from people, you’re pathetic.” | Caleb | | 104:16 | “If you only spend on that bullshit ... it takes you almost like 4 years to pay off your debt. Make it a year and a half, be it.” | Caleb | | 86:19 | “You think I’m a fascist?” “I think you’re a centrist, actually.” | Caleb & Doomsday |

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Important Timestamps & Segments

• [00:59–09:45] – Family estrangement, pronoun debate, and accusations of extremism
• [10:09–24:00] – Government role, basic needs, and outcomes vs. intentions
• [18:14–47:03] – Socialism, capitalism, and mis-definitions
• [35:41–39:09] – Minimum wage, real-world statistics, and personal responsibility
• [57:40–59:56] – Housing affordability myths and generational goals
• [65:45–104:16] – Detailed personal finance audit; choices, accountability, and lifestyle critique
• [80:16–85:04] – Who pays taxes? Mythbusting U.S. tax progressivity
• [104:16–105:14] – Debt repayment plan and hammer score reveal

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Tone & Style

• The tone is irreverent, sarcastic, and at times abrasive, especially from Caleb, who doesn’t hesitate to mock or challenge Doomsday’s points or language.
• Caleb’s language is direct, sometimes profane, but targets perceived falsehoods, performative activism, and lack of nuanced knowledge.
• Doomsday straddles vulnerability and ideological posturing; earnest in seeking change for marginalized communities, but struggles under Caleb’s data-driven critiques.

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For Listeners Who Haven't Tuned In

Expect a polarizing but deeply revealing look at the gap between ideological narratives and practical financial outcomes. The episode illustrates the pitfalls of relying on buzzwords or anecdotal activism without statistical grounding—and spotlights the real cost of lifestyle choices versus the broader “system.” If you’re interested in how personal finances intersect with politics, society, and generational expectations—and don’t mind conflict—this episode delivers.

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Final Thought

Both host and guest represent opposite ends of the spectrum when it comes to the blame for financial struggles: structural forces versus individual agency. Caleb’s key takeaway: “Only outcomes matter. Intentions, slogans, and moral posturing mean nothing if they don’t result in improved, measurable quality of life.” Doomsday, on the other hand, remains committed to community, empathy, and advocating for change—even if their specifics don’t always hold up to scrutiny.

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Listener Advice:
To avoid ending up on “Financial Audit” with a 1.5/10 financial score, take agency, track your budget, and separate ideological preferences from hard financial truths. And maybe, just maybe, spend less time debating on social media—and more time learning how your money actually works.

Transcript

[A]

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[B]

I do not speak with my parents.

[A]

You chose. They did not choose.

[B]

Um, they chose extremism over their child.

[A]

Okay, says the blue hair. Got it.

[B]

The housing has just gone up.

[A]

Wow, what a nuanced take.

[B]

I've called before. I. You've called?

[A]

You've called people?

[B]

Well, I've called the bank. That's great.

[A]

She called the bank.

[B]

And I tried to like, find out if I'm interested in the cost of

[A]

housing should go down bank.

[B]

See people's lives improved and the government has a role to play in because

[A]

they like you slightly. And they're a fascist.

[B]

I've seen families like, torn apart.

[A]

Oh, don't performative cry. No one gives a. Or empathize with your fake crying.

[B]

Having your needs met so that you can dream.

[A]

I'm sorry. Not everywhere is gonna thrive.

[B]

No, everyone's gotta thrive.

[A]

That's not possible. Are you sure they're the extremists? That seems like a more extremist position. You're one of those people I'm already reading. If they disagree with 1% of things, they're a fascist. No. Answer the question or I am ending this podcast. Answer the question. Dollar wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal. To download, get a free trial to test it out, and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane discount. And most people sign up for the annual version because it saves a lot of money. And you get my detailed 30 day meal plan signed by me, mailed directly to you. Plus the digital version of my cookbook for recipe. Don't miss the opportunity of a lifetime. Download Dollawise and start your free trial. Go to dollawise.com or click the link below.

[B]

I'm Doomsday. I'm 25, I'm from South Dakota, and this is financial Audit. Dun dun, dun dun.

[A]

Okay,

[B]

You've never seen Disney Channel.

[A]

That was Disney.

[B]

Well, I don't know if the Mickey Mouse will be thrilled to be Russia.

[A]

Doomsday's a weird fake name. But we gave you a weird fake name because you chose for yourself in your real life. A weird fake name chosen for me, but your parents named you that?

[B]

My chosen family did. It's cool.

[A]

How did you choose to be a family?

[B]

Well, in the queer community. Yeah. You don't always get to maintain your most close relatives, your blood relatives. So, like, did they dismiss you? No. No.

[A]

Well, sounds like you maintain them.

[B]

I do not speak with my parents.

[A]

You chose. They did not choose.

[B]

Their decisions have made our relationship what it is today.

[A]

What did they choose?

[B]

They chose extremism over their child.

[A]

Okay, says the blue hair. Got it. Okay. Which usually qualifies towards more extreme people. Usually. What's their extremism?

[B]

Their extremes are just not very minority inclusive. Despite what they might say, their actions say otherwise.

[A]

What's their actions that are so extreme they kill minorities?

[B]

They're not helping them.

[A]

Not helping's extreme. Wait, what's. What's helping?

[B]

We've had extended conversations about what politics looks like in the world. And when they discuss it, the things that they say or choose not to say are pretty detrimental.

[A]

Yeah, that doesn't sound like extremism. You know what the word extremism means? Yeah. What do they do that's extreme?

[B]

There was once upon a time when Kamala came out with Kamala.

[A]

Thank you. You're gonna get canceled for that.

[B]

She was talking about how our current president wanted to have generals. More like dictators of old.

[A]

Okay.

[B]

And I asked my parents what they felt about that, and they said they needed the context. And I said, under what context is it okay to, like, want him to be?

[A]

Maybe they wanted to understand if he was doing his classic rifting or if he was being an actual dictator, which would be bad. But we know if you follow politics, which I assume you do, he is a rifting guy. And you take like but grain assault with pretty much everything, including saying peace Is close in Iran, which I think you would agree with.

[B]

And also, like, threatening to nuke them. An entire population.

[A]

Exactly. Which wouldn't be great.

[B]

That's a pretty extreme action.

[A]

But I think it's.

[B]

That's pretty extreme action, which we haven't done.

[A]

So I would say an extreme action is not done.

[B]

Well, we did bomb the bridge. Yeah.

[A]

A bridge. Yeah. That never happens in war. So. Okay.

[B]

Are you pro war?

[A]

Pro war? I think. Well, like your parents would say context matters. Pro war. I mean, that depends on what's happening. Are we defending ourselves? What are we pro war overall?

[B]

Are we defending ourselves in Iran?

[A]

Iran. Am I pro Iran war? It's obviously the consequences.

[B]

Well, you're saying that bridges get burned or.

[A]

Well, if that's what you were freaking out about. A bridge. Like, I'm like, okay, a bridge. I'm okay. Well, I would.

[B]

I more care about hypotheticals and blowing up a bridge.

[A]

They're call us something bad. How about the school? I mean, I think that was a little less fortunate. A bridge don't really care. But your parents saying they need more context isn't an extreme position. Asking to understand what was being said, why and how is not extremism. So you cut them off.

[B]

But there's. There's no.

[A]

This is. Yes, yes, there actually is. There's. There's context in everything that's ever said.

[B]

Yeah.

[A]

Because that's always important. There's context in this conversation. There's context that I'm getting on you not being involved with your family. The reason I asked that is because I was like, oh, you have a little bit of a weird name. Yeah. Your family and you have a weird name. So I got context of why you had a weird name. It's because your family. I was like, oh, shit.

[B]

Well.

[A]

Oh, that's horrible.

[B]

Yeah, my chosen family gave it to me.

[A]

Okay. Your friends. And the thing is, I got context around, oh, shit, this lady's queer. Why would they disown her?

[B]

That's horrible.

[A]

That's bad. They shouldn't have disowned her. Oh, wait, they didn't. She did. She did. So I got the context around that.

[B]

So.

[A]

Okay. Then I learned more from that context. That you disown them. So that's why context is important.

[B]

Yeah.

[A]

Maybe they need context. It sounds like they don't agree with you politically, and that's fine. That's not an inherently bad thing. But requesting context is not a form of extremism.

[B]

Now, would this be a good time to mention that?

[A]

It wouldn't, because I'm gonna continue saying, are they them? Sure, yeah. If I remember that. I will try my best out of courtesy and respect for you as an individual. It is very difficult sometimes to just remember in the heat of a conversation. Right. But I will try my best especially well. Okay. They, Them. Yes. Very good. If it's the name. Okay. No, no, no. I respect pronouns. I just.

[B]

It's hard to remember, you know, that is one that was like the breaking point for me and my parents. Since you're asking about my parents, if

[A]

that makes more sense. You brought up the dictator. Here's the thing. I wanna finish my point if. Well, no, no, no. I wanna finish my point. If they said yes, I want generals that act like full on dictators and I would shake your hand and say yes, that is extremists. That's bad. But they asked for more context around a quote that you chose to bring up. Cuz who even I actually do not remember that quote. Maybe you are taking it out of context, maybe you're not. But them asking for a little understanding of the context around it is not an inherently extremist position. If they agreed with it on the face value of those words, that would be extremist. I don't think you know what extremist means and it is dangerous that you use that because there are actual extremists in this world that are doing bad things. So they disagree with your pronouns.

[B]

If I ever had a child, they would allow said child to be in the room with the president. If it was opportunity for them, I

[A]

would meet any president. That would be really cool.

[B]

No, I do not want to share a space with a sex offender. 34 counts.

[A]

Okay. Especially I would just meet the executive of the President of the United States of America, regardless who it is. I'd love to meet Obama, Biden, Trump. Yeah, why not?

[B]

No, I don't want to meet a sex offender.

[A]

Yeah, okay. Have you met any before? Knowingly.

[B]

Not knowingly.

[A]

Okay. I mean, that's fine. I don't think you were invited. Is that a choice you have been actively given?

[B]

Again, I'm just.

[A]

That's why I don't understand what that has to do. They would meet the President of the United States. That's not very controversial. I don't agree with everything Trump does. I didn't agree with everything Biden does. I would happily meet them out of the respect for the office of the President of the United States.

[B]

So my parents just don't get to be in my life as an adult

[A]

because they would meet The President of the United States. If they were asked to meet the President of the United States. Are you sure they're the extremists? That seems like a more extremist position where if someone. You're one of those people. I'm already reading, if they disagree with 1% of things, they're a fascist. Ah, you saying no would have been the proper response. You not responding is actually quite staggering. I have a feeling you're actually the extremist.

[B]

I believe that we. There are solutions that are final solutions. No, I believe that there are solutions that we could implement in our society.

[A]

The world is a mess. The world is as angry as it gets.

[B]

That could improve people's quality of life.

[A]

That'd be good. What's one.

[B]

Oh, my goodness. So we could certainly provide things like toothbrushes and toothpaste to people for no out of charge.

[A]

Well, that's nice, but at pretty much. Wait, wait, wait, wait. Listen. There are rural communities. That gets difficult, but.

[B]

Yeah, I've actually visited those rural communities.

[A]

Wow, you went to a farm?

[B]

Well, I've been to lots of states. I've been traveling.

[A]

She's well traveled, nice and privileged. That's great. So I'm. But what I was gonna say is in most communities, they're. I mean, just like you can go. Toothbrushes and toothpaste is a very common thing to give at pantries and whatnot.

[B]

Yeah, it is.

[A]

Okay, so.

[B]

But it's something that we're doing as

[A]

people, so the government's gonna fund it. That's your proposition? That's gonna fix society?

[B]

There's lots of things that the government could provide to its people that it's not.

[A]

What about something a little more substantive, a fundamental.

[B]

A phone or Internet service.

[A]

Yep, phone. Oh, wait, how are they providing the Internet?

[B]

Well, they.

[A]

A phone's different.

[B]

They could technically have the infrastructure to do so. They could build light rails. There's so much that our government can.

[A]

Light rails. Have you seen? They have, in fact, not been able to build light rails. Actually, that's kind of one of the things. There's one that's not light rail, high speed rail in California specifically, but light rail here in Austin, Texas. What?

[B]

So Elon Musk was supposed to be part of that build for the light rail.

[A]

And, you know, it's mostly been environmental

[B]

protection laws that have prevented it.

[A]

Yes, environmental protection. All the different services that have had to take place have delayed building it substantially.

[B]

There's good reason for regulation, I'm sure. Yeah. Oh, regulation is what protects our water you know, like, data centers are not. There's like regulations that people are trying to get around for data centers so that, like you can talk about right now. Profit.

[A]

Huh? That was just nonsense. That was just. You just took like four talking points and mashed them together. What were you actually trying to say there about data centers? Data centers.

[B]

Data centers are being built far too quickly and trying to regulation. Asking for the community's consent.

[A]

Not asking. I think that's actually one of the big things. Because communities have been showing up en masse.

[B]

Yes. And successfully getting memorandums.

[A]

Yeah. Which will be damaging to those communities and their tax base. Absolutely. As we know, in Northern Virginia, many communities where most of the data centers are in big data center collections, like more old school data centers. It pays for 50% of the property taxes, meaning brand new schools, lower property taxes for homeowners and renters. It's been very beneficial.

[B]

But they reduce the quality of life for the people.

[A]

Well, that's in that community, if I'm not mistaken. It's about 15% of the data centers, maybe 25% or are in residential areas. The other 75% are not, which means it does not reduce the quality of life of the people.

[B]

That's the, that's the important of regulations, is it's. And also getting community input is exciting.

[A]

Well, 75%, the majority are not in community areas. So how's that impacting their quality of life? Well, they get to use their phone, the free phones. You want to use the Internet.

[B]

Yeah.

[A]

They need data centers.

[B]

There's a lot that our government could be doing to.

[A]

What is it? What's your concern with data centers? Because there's a lot of misinformation going around. What's your concern?

[B]

Water quality. Sound quality.

[A]

What about water quality? Sound that's in the residential areas, which I don't think a lot of people want a factory.

[B]

I've actually been to a like, council meeting where they were talking about.

[A]

That's crazy. They happen everywhere. Good for you. Listen, I don't think people change the

[B]

rules around how they want to measure the sound. So it's actually about the pitch that it's at rather than the decibel, so.

[A]

Well, I'm sure both play a big quality, but the reality is I don't think I want a car manufacturing plant behind my house. I don't think I want oil being drilled behind my house. I don't think I want a turbine. I wouldn't want a library because I wouldn't want a library value. I actually wouldn't want a library. Because here in Austin, Texas, a library. You know what happens here? Our beautiful library downtown, go to it afterwards. That's where every single homeless person hangs out, which means that's in my backyard. That's not what I want.

[B]

That's capitalism.

[A]

Homeless people existing and us letting them just crash the library.

[B]

What are we doing to improve their lives? What social programs are we providing other

[A]

than, oh, a lot of property taxes and millions of dollars thanks to Austin, Texas and the ARC downtown, which they can go to, but they can't do drugs inside of it. So many don't go to that. We're also buying a motel here in Austin, Texas to house them and do housing first policies. And that's why my property taxes.

[B]

This is my first time in Austin, Texas.

[A]

And that's what they're doing in a lot of communities. Like the tens of millions are actually billions. I apolog in California, where the city of Los Angeles couldn't even pass an audit on their homelessness spending of $1.6 billion where they didn't even know where that's going. I would say actually a lot of things are going to them to help them. Has it worked? No, but you know, it has worked. Houston, Texas.

[B]

It's funny that you mentioned that because I was just in Kansas where they have like a ton of mutual aid. I've been following mutual aid. How is the community, like, historically blue Kansas?

[A]

Yeah. So this isn't a political debate, regardless. But also, I mean, most recently there was a nice little shooting at the library. So that's why I don't want to have it down in my backyard, personally. But the point I was trying to make, I don't want to have a car manufacturing or a lot of the different infrastructure type things in my own personal backyard. But guess what? I still want us to have car manufacturing. I still want us to have data centers. I still want to have these things, but they don't necessarily need to be in my backyard. So that's why a lot of data centers are trying to build in the middle of nowhere, but then people freak out in the middle of a desert that would impact no one like you likely would.

[B]

They have to build a lot of infrastructure and they're not, which is usually considering.

[A]

Considering they build their own power. They're building their own power.

[B]

Correct. They're building their own.

[A]

What's your issue with that? Yes, what's your issue with that?

[B]

I've been studying AI for.

[A]

Then why can't you speak on it?

[B]

Well, but what I've been studying is what it's capable of. It's like right now, it's this.

[A]

Okay? This isn't a political debate. I don't care about your AI. Are you afraid it's gonna take your job? Daryl, Add Carrera subway tile to my shopping list. I ain't doing it. What do you right now get up to? 15% off. Select storage solutions put heavy duty HDX totes to good use, protecting what's important to you. The solid impact resistant design prevents cracking and the clear base and sides make items easy to find even when the totes are stacked. Find select shelving and tote storage up to 15% off at the Home Depot. To organize every room in your home from your garage to your attic, visit homedepot.com how doers get more done do for a job. Do you have a job? Because it really doesn't sound like it.

[B]

I work in finance.

[A]

Doing what?

[B]

I do corporate finance for stadiums and arenas.

[A]

Like Ticketmaster?

[B]

Not Ticketmaster, but we do work with Ticket.

[A]

Yeah. Okay. So you're one of the actual evil capitalists.

[B]

By day a villain, by night a hero

[A]

trying to prevent modern infrastructure. That's weird. That's being a hero.

[B]

No. Going to concentration camps. Yeah, I actually just got back from. I just got back from Delaney Hall.

[A]

Where's that?

[B]

That's in New Jersey.

[A]

There's a concentration camp in New Jersey

[B]

and many other states as well. Yeah. There are detention camps. Concentration camp. Yep. Mm. They have barbed wire and awful living conditions and maggots in the food and abusing the people in there. No due process. That's a concentration camp.

[A]

Okay.

[B]

And so people are rightfully outraged and are out there to demoralize the people who are going into those.

[A]

I asked her what her job was, by the way.

[B]

I said finance. And you asked if I was a bad capitalist.

[A]

I'm a socialist, so I was a concentration camp. So you're a socialist.

[B]

Yes.

[A]

Okay. You know, socialism has never worked. What socialism are you in favor for? Here we go. Get ready.

[B]

I believe that.

[A]

Take a system.

[B]

A system.

[A]

Take a system in the world that you're in favor of. Well, that you would rather be our system.

[B]

I just don't want it to be capitalism, nor do I want it to be.

[A]

Take a system that has worked that you like and would like to replicate here.

[B]

Capitalism.

[A]

Take a system, please, that has been proven to work in any country anywhere that is better than our system, please.

[B]

Capitalism.

[A]

Yeah. Please find.

[B]

Does not.

[A]

Okay, that's great. I hear yes. You have your talking points. That's Wonderful. Now pick a system that has worked anywhere better than here that you would rather have.

[B]

Well, that.

[A]

I'm waiting for it.

[B]

Your definition of better is like not valuing the don't.

[A]

I don't give a fuck. I don't give a. About my definition. Your definition. I'm asking you to choose. Don't cater to my definition.

[B]

And I'm choosing socialism.

[A]

No, no, no. Yeah, but pick it. Pick another country that has worked.

[B]

And unfortunately we are an imperialist.

[A]

Real socialism.

[B]

I bet you imperialism is hurting those socialist countries.

[A]

It hurt the ussr.

[B]

It's hurt. Weren't they imperialists in Venezuela? Yeah. The blockades that we're doing.

[A]

For what it's worth, oil production dramatically fell after the state took control of Venezuela. And it hurt their economy dramatically. Well before our embargo. You might be right about Cuba, but no, Venezuela did it to themselves before we embargoed. Timeline wise. So you're just wrong. They had a slush fund coming in when it was collecting taxes from the private enterprise. So what?

[B]

System socialism.

[A]

Okay, okay. I just asked what her job was. Here we go. Please. Pick a system. One place. One place that according to your values, you would rather do New York. That's not socialist. That's the most capitalist place in the world.

[B]

But Mamdani is out there doing socialist.

[A]

He's democratic socialist. Socialist. He still believes in capitalism. You know that, right?

[B]

It should start somewhere.

[A]

No, no, no, no, no, no, no. That is still capitalist. All his policies are funded on the tax revenue generated by capitalism. That's capitalism. That is not taxes. Workers based socialism. Taxes come from the capitalist state still. So no, that is not socialist. But if that's what you'd like to see, then don't call yourself a socialist. Because that's not socialist. That's still capitalism. That's more Scandinavian. That's European. Which is still funded on capitalist systems. I was hoping you were going to say something like Sweden or the uk. I was hoping you were going to say something like that. Which are still objectively capitalist countries. Not socialists by any means of the imagination. They have some more social programs all funded. They have social programs all funded by the success of capitalism. All funded by the marketplace and the wages created by capitalism.

[B]

So what has more social programs? How many social programs do you have to do before it's socialist?

[A]

You're talking about social programs. Socialist is a completely different economic structure though, right?

[B]

Where the worker has their relationships, the means of production.

[A]

State run. But yes, state run. That wouldn't really create much. You know what Happened in the USSR with all the land, the most arable land almost in the world compared besides the United States and I think Ukraine. Well, they had to import all their wheat, vast majority of their wheat. It doesn't work. It doesn't create the outcome. People need to eat and it doesn't work. You know what's actually more important?

[B]

Are you feeding people under capitalism?

[A]

Yes. Have you seen our poor people? They're fat. Yes. The poor people in the United States have to take Ozempic.

[B]

Okay, but is it because the cost of chips is more than minimum wage chips?

[A]

You think that's what's necessary for a sustained lifestyle?

[B]

I think that it's one of the cheapest things you can get from the gas station.

[A]

Gas station? Should we be doing our grocery shopping from the gas station? I think we've gotten some pretty bad advice if we're talking about meal prepping.

[B]

Well, you would know a thing or two about meal prepping.

[A]

Yes, I have a meal prep.

[B]

I don't belong in a kitchen.

[A]

Okay, really fighting the patriarchy on that one. Aren't you brave? Brave woman. They whatever, you know? You know what I mean? Okay, so are you able to speak on anything or is it just performative based bullshit? Because here's the reality, here's the reality.

[B]

In the end, we are having food deserts and hospital deserts, and we're having those because it is not as profitable to have groceries and houses.

[A]

But there's still lots of public funding.

[B]

But there is intrinsic value in supporting your community.

[A]

Okay, so how would we combat. How would we combat a food desert? In your mind, what is the actual outcome?

[B]

State run grocery stores.

[A]

Okay. And those have always worked very well. Anywhere done.

[B]

I mean, state grocery stores really impact people's lives when they're in food deserts. Yeah.

[A]

Okay, where have they been done successfully? Kansas State run grocery stores.

[B]

Yes. Okay, that actually Kansas was the model for New York.

[A]

Listen, if it works, then I'm down for it. I'm only okay with things that have

[B]

worked a lot of mutual aid, but they still have a large homeless population.

[A]

Your proposal, first outcome, last outcomes are all that matter. I don't care if you sound like the moral good guy, moral masturbator, performative person when it comes to the. Yes, I'm sure you masturbate when it comes to the policies that you're proposing. Okay. That's all that matters to you, is sounding good, looking good on the front end, not the outcomes in the end.

[B]

It's impossible.

[A]

Functionally possible. You know, it's functionally possible. We have the highest disposable income anywhere else in the world. That is the money. You have.

[B]

Incredibly large military budget.

[A]

Okay, I don't know what that has to do with disposable income. This is what's so hard, talking to people like you. Because you had nothing to do with the point I just said. You just went somewhere else. Yes, we have a high military budget. What is it, 15, 20% of our federal budget. Social programs are 50%. So what do you want?

[B]

Why are we cutting them?

[A]

I don't think it's going to go below 50%. It's still substantially high.

[B]

We're cutting.

[A]

We're not cutting our mandatory spending. You know what's actually gonna be cut? Social Security. By 2032, you'll have Social Security, but only what's coming in. You know why? Because we refused to invest the Social Security fund in the 90s into the capital that we have in the United States. The most capitalist thing we have, the stock market. It would have returned an average of 10% a year and it would be a massive slush fund. But instead, people like you decided it was too risky. And we put it in low yield treasuries. And now it's gonna be depleted by 2032 because of freaks like you that don't understand anything about basic economics. Yes. Yes. I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different, your payments are different, Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They worked. Understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster, and start putting money back in your pocket. This is a company that is A plus rated by the better business Bureau boasts thousands of five star reviews on Google Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS debt.com hammer that is PDS debt.com hammer PDS debt.com hammer 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 and 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. I could have made it more capitalistic and it would have been wonderful for you and me.

[B]

Things that would be wonderful for you and me is to have so many of our needs met so that we have the ability to dream that the vast majority.

[A]

What do you mean we have to have.

[B]

How many things have to go right every single day for you to just operate?

[A]

Yes. Human nature, the world existing. What do you think this is? This isn't.

[B]

Have you ever gone without your phone?

[A]

Yeah.

[B]

How long?

[A]

It was a couple weeks in college. Okay, well, that wasn't very fun.

[B]

How long ago was college? Cause if you weren't using MFA then. Then.

[A]

Huh?

[B]

Were you using multifactor authentication in college?

[A]

No.

[B]

Maybe I don't remember MFA now.

[A]

So, dude, you can get a cheap Android for like 100 bucks at boost Mobile. What are you clamoring about right now? You're freaking out. You're acting like a victim of nothing.

[B]

Well, I'm showing that there are lots

[A]

of things that are, you know, the poor people you're freaking out about. The poor people you're freaking out about. I've looked at their budgets. You know how much people could be benefiting themselves if they actually had any semblance of personal responsibility? What are you, 25? You know, your generations goes out to eat multiple times a week. And one of those is typically, my

[B]

generation doesn't believe we can own houses. And it's kind of cute.

[A]

Which is funny because Gen Z 25% actually own a house. Millennials. 50%. What statistics. That's crazy. Yeah, you're. You actually don't know anything that's actually happening. You just want everyone to be a victim, and then you accomplish nothing in your life ever.

[B]

Asking people how I'm out.

[A]

You know, you can just look things up.

[B]

Asking people personally how much.

[A]

I'm glad you're getting anecdotal information. You know, you can actually look things up and listen to studies that have happened.

[B]

Absolutely.

[A]

You know, we have the highest disposable income in the entire world. You know, we have the highest disposable income in the entire world. You know what capitalism has done ever since it's been implemented across the world, mostly in general. The poverty in the world has dramatically gone down. Hunger in the world has dramatically gone down. Yes. Are you serious? Have you not seen those charts? Have you not seen the data? You know, as a percentage of our income that goes to our grocery budget is better than any other history in human existence. Yes, you can scrunch your forehead all you want before you get Botox. But yes, that is true. That is a fact. That is reality. There's only three categories that have gone up. Do you know what they are? It's a percentage of income. What are they? Open ears.

[B]

Sorry, can you repeat the question?

[A]

You know, the three. Only three categories in our lives that have gone up as a percentage of our income? No, I'll tell you. Schooling. Why student loans? Because we allowed people to borrow for school.

[B]

Colleges used to be free.

[A]

Exactly. Until we allowed student loans. So, of course, every time we raise the cap on student loans, college should be free. Hey, she has a rebuttal.

[B]

Free. Free is free.

[A]

So she has no rebuttal. Great. Okay. So the government got involved.

[B]

It can be free again.

[A]

No. No, it can't. At this point. No, it can't.

[B]

Why not?

[A]

Because we've allowed colleges to raise the price of their tuition because of the amount we allow people to borrow. So they've built these campuses, which. With lazy rivers around them like. It's crazy. It's all built on the sports teams. Not every school needs to have a sports team. Music program, all that shit doesn't need to happen. But we allow people to borrow infinite amount of money. So that's one.

[B]

I don't have any student.

[A]

You know the second one?

[B]

What?

[A]

No cost of housing. Why?

[B]

The housing has just gone up every.

[A]

Wow. What a nuanced take. You're incredible.

[B]

Thanks.

[A]

They're performative. They're all performative. They have absolutely no real Solution to anything. It's mostly due to permitting.

[B]

I've just tried. I've called before. I.

[A]

You've called, You've called people?

[B]

Well, I've called people. Well, that's great. And she called the bank and I tried to like find out, you know, bank I missed. If I'm interested in bank, the cost

[A]

of housing should go down bank.

[B]

If I'm interested in buying a house, what do I have to do? And they told me that I would have to go to like a loan train.

[A]

Why has the cost of housing gone up? Most reasons. Zoning in this country, environmental policies, which again, I will agree with you that they're not all bad. But when they prevent housing in California by years, you know, in Texas, good old red Republican Texas, we've outpaced California in solar production, battery production and wind power because we actually allow people to build instead of. In California, it's like you, it's all performative, but then the environmental regulations have gotten in the way and it's impossible to build anything. Zoning.

[B]

What the community has to say, no, no, no.

[A]

Because you know, environmental protections oftentimes when used to prevent building are used by developers and housing organizations. HOAs that don't want new housing because it impacts their value. They use the legal system created through those environmental policies to prevent housing, not actually protect the environment. You know that, right? And it's zoning. Single family zoning forever Red Texas, red Florida are building housing because they enacted NIMBY or YIMBY policy, more liberal policy on allowing smaller lots, getting rid of parking minimums and actually allowing developers to build what the market demands. Where in la you can't, you cannot build that in progressive la.

[B]

What about rent?

[A]

What about rent? Rent goes down. In places like Austin, Texas where we built up, rent actually went down. You'll never see that in San Francisco. You know, permitting fell in half, 50% the moment San Francisco enacted rent control. Performing a policy that has never worked once in any human existence tested city ever, not one time. Places in Minnesota, very progressive. Minnesota enacted rent control. They immediately got rid of it years later. Same with Massachusetts. They got rid of it. They outlawed it because it decreases. Permitting immediately because it decreases. Got a Sam's Cafe pizza. Order up. You know the best part about this spicy Italian sausage? I voted for this topic. Yeah, just another perk of being a member. Come join us. Sam's Club. Places being built which makes rent go up for the lucky few that get in generation rent control. Congratulations. They 98% of people. That's why housing has gotten expensive. Our Zoning. Guess what? People buy housing in Japan, but the values never go up. They actually expect to sell it for less because they have incredible zoning where people, they have these five layers of zoning that always require some kind of commercial integration where people can build up the market can build what the people demand, what capitalism demands. So one of two. We went through one of two. Student housing where the government has gotten involved and made it harder to do things. People do abuse legal systems to prevent housing being built, to allow their land value to go up. You don't understand the actual outcomes of the things you ask for. It's all moral masturbation on the front end, nothing on the back end.

[B]

I've seen families like torn apart.

[A]

Oh, don't performative cry. No one gives a. Or empathize with your fake crying. That is sad. A family being torn apart is sad. But I'm sorry if you made the choice to do something illegal.

[B]

I think that we should repurpose ICE so that instead of tearing families apart, their job would be to meet people where they're at and help them get the paperwork they need.

[A]

So brave. There you go. You won TikTok. You got the Reddit award. Your community's just supported you and you just got your moral masturbatory pin. So proud of you. Okay, is there a real conversation like actually, no, it's. Because what you're supporting is something that's just not gonna happen. We have to think of real things.

[B]

Real things aren't thinking about the people.

[A]

No, I actually do because I care about the outcome.

[B]

You care about the system. You care about the system.

[A]

No, because I think about the outcome and the outcome is the only thing that actually impacts people in the real world. Not what you say on TikTok.

[B]

I don't have TikTok.

[A]

Not what you say on Reddit. Uh huh. Knew you did. That's the reality. That's all that impacts people's lives in the end. Not what a politician says on stage. What happens at the actual outcome. The real thing at the end of the pipeline that no one tracks in the end. People get elected based on what they say. They don't get elected based on outcomes. You're a what they say person, not an outcome person. I care about capitalism cause I care about the outcome. The outcome in the United States.

[B]

I care about the intrinsic value of communities.

[A]

You all into pondering like cinemas and believes the celluloids. Yeah, yeah, okay, okay.

[B]

Because I've seen the community suffering.

[A]

No, you think anecdotal things equate for the Entire billions of people on the planet. That's not how statistics work, lady. Sorry, I keep doing that. I really am not trying to do that. Here's an example again. Disposable income. 17% went to groceries and food in 1960. Today, 9.7%. 9.7% of a budget going to food. That is incredible. That is a blessing. That is living better than kings did. Yes. Scrunch your head all you want. The middle class American today lives better than kings.

[B]

What a CEO makes. And the average frontline worker is here.

[A]

She has a talking point prepared. That doesn't matter. As long as people are doing well. What is the actual consequence?

[B]

Well, a lot of people are doing well. These people have to have multiple jobs in order to sustain a lifestyle.

[A]

Some people not the median American. The. I mean, not the median American. Some people, yes.

[B]

Is the median relying on minimum wage?

[A]

What percentage of the American population is relying on federal minimum wage?

[B]

I don't know.

[A]

Cause you don't know anything.

[B]

You just have to ask anyone who's making the federal minimum wage.

[A]

No, it's just knowing facts about our country.

[B]

But I've met people across the country.

[A]

No, it doesn't matter who you've met, lady. That's not what changes statistics. You need to disconnect from that. Your anecdotal collection of bullshit is not the real world. It isn't.

[B]

I'm trying to meet people who are.

[A]

What percent do you think makes the federal minimum wage in the United States?

[B]

What percent do you think?

[A]

What percent? No, Answer the question or I am ending this podcast. Answer the question.

[B]

I don't know.

[A]

Answer what you think.

[B]

30%.

[A]

It's less than 1%. You know nothing.

[B]

Well, waitresses make less than that.

[A]

It's still less. Oh my goodness. Yes, but after tip income, it's less than 1%. You know nothing. You're outraged, you're performative, you're a virtue signaling moron. You have prepared talking points and you know nothing about the real world. Can't believe you've gotten me to go down this rabbit hole when I really just asked what your job was. Oh my goodness. Percentage of food less than 10% is an incredible statistic that we should celebrate. A middle class American lives better than kings in the middle ages. With plumbing, with food, with air conditioning, with housing, with getting cleaners.

[B]

Did we go back to the feudal times?

[A]

No.

[B]

Okay, sorry.

[A]

Actually, that was food. That was food that was actually going out to eat. That statistic I polled 10%. It's less going out to eat today.

[B]

Wait it's going out to eat. And not even groceries.

[A]

Yeah. You know what grocery is? Cause I have that prepared. It was 13.7. Now it's less than 5%. 5%. You know nothing. Infants today. Health. The third category was health costs. By the way, government's heavily involved. Has dramatically. Infant mortality rate fallen dramatically from 99.9 per 1,000 births, practically 10% to 5.6 per 1,000. 5.6.

[B]

How much are diapers?

[A]

Oh, my goodness. So you don't respond to a point I have. You don't respond to a point I have. You just bring up a thing you're ready to go into.

[B]

I do care about the prices. I've been filming them for three years. I've been watching inflation for three years.

[A]

Okay, great. Yeah. Prices of diapers. Yes. The cost of raising a child isn't great.

[B]

Mm.

[A]

That doesn't mean things are abhorrently bad everywhere.

[B]

I mean, chips are more than the minimum wage.

[A]

Wrong again, idiot. Chips are not needed to survive.

[B]

No, but they are.

[A]

The minimum wage is less than 1% of the workforce in the United States. That's a broken statistic that you just brought up.

[B]

If you only have $10 for a meal that day.

[A]

That's a broken statistic though.

[B]

But let's.

[A]

Why would you have less than $10 for a meal that day if you're working minimum wage? That doesn't even make sense.

[B]

Well, if you're working minimum wage, less than 1%, that's 7. 25 an hour. $7.50 an hour. And so if you buy a bag of chips for 7.99, that's a whole hour of your labor.

[A]

By the way, 63% of Americans own homes, which is better than like ever before.

[B]

As a gen zer, I could probably never out afford a home especially.

[A]

That's a lie.

[B]

Well, my bank hates me.

[A]

Your bank hates you? Your bank hits you. Let's see. Okay. Minimum percent spent on bullshit was about 25%. Take that, put it in a low cost index fund, let it run for 10 years. Congratulations, you have a down payment.

[B]

What makes it bullshit?

[A]

Shut the up. It's things that aren't necessary for your life, going out to eat miscellaneous dumbass shit. We're gonna go through your budget and you'll see it. But like always, you would rather be a victim than actually take any kind of personal responsibility for anything in your life.

[B]

Well, I am responsible for my finances. However, I don't control the cost of gas.

[A]

Yeah, that's bad. That's an outcome of a War we probably shouldn't have done. Agreed. Congratulations. We can shake hands on that. Capitalism has made almost everything better. More access to food than ever before. More access to resources, medical care than ever before. And by the way, yes, yes. Get sick, go to the emergency room. It's fine.

[B]

Be in financial debt. Go homeless dude.

[A]

Medical debt. Do you know the impact of medical debt? It's almost nasty.

[B]

I don't have, I don't have insurance, brother.

[A]

The impact on medical debt. There's almost a reason why we don't allow people with medical debt on the show. It's because it almost has no impact on people's lives.

[B]

Then why are they sending bills to babies?

[A]

And guess what? If they don't pay it, almost nothing will happen. That is the actual reality. If they don't pay, almost no consequence.

[B]

Our financial advice. Don't pay for medical debt.

[A]

I mean, I would rather pay. Cause like if you're looking to get a car or something, it could be a little impacting. But other than that it is the least impactful debt. And going through bankruptcy is honestly almost not even a hassle.

[B]

So it's something that you just declare. I declare bankruptcy.

[A]

Wonderful. Which by the way, she was crying about how we need to get everyone a phone. What percentage of Americans own a phone? Smartphone. Sorry, I should say smartphone.

[B]

Specifically 80.

[A]

It is 98%. But I guess we need to get everyone that so Internet. What about that? The one that the government has to pay for. What usage in the United States? Who has access to the Internet?

[B]

It's not about having access, it's about providing these things so that the providing.

[A]

So people are already getting them. But what percent?

[B]

70%.

[A]

99. You don't know what you're talking about. You're performing.

[B]

I know that these are things that could improve people's lives. That's all I need to know.

[A]

Well, good News. They have 99% have it.

[B]

So. And they would be even happier if it was free.

[A]

No, they wouldn't. Because it would not be as good if it was free. They wouldn't be competing to.

[B]

It would provide that.

[A]

If the Internet was free in Austin, Texas, AT&T spectrum and Google Fiber wouldn't be competing to make lower cost, higher speed fiber. We wouldn't have that because it would just be one provider and they would have no need to make it better ever. I'm happy that capitalism has produced higher speed Internet. No counterpoint. Wonderful. And that's usually what I expect from people like you.

[B]

Having your needs met so that you can dream.

[A]

What sacrifices have you done actual sacrifices? Because here's the reality. With people like you, your activism has cost you nothing. Nothing. Awareness is the cheapest version of morality. Everyone's aware. You've sacrificed yourself.

[B]

Everyone's aware. We were just talking about Delaney hall, right? Right across the street is the Knicks game. People filling up the streets.

[A]

Awareness of every single little detail. Not necessarily, but awareness of the world around them. Your morality is cheap. You've sacrificed nothing ever. You're a poster.

[B]

I'm out here trying to help people.

[A]

No, you're a slogan capturer. You're a talking point person, not an outcomes oriented person. No, you're not.

[B]

My outcome isn't for you.

[A]

You want to feel good and be lifted up by your community.

[B]

I want to help communities build. Learn how communities are doing it in rural areas versus really populous areas and learn how we can bring what's working in certain cities to cities that need community building. That's what I'm out here doing.

[A]

Yeah. You couldn't comment on anything I brought up.

[B]

Well, I can't comment on what these people are experiencing because on how capitalism

[A]

has improved people's lives dramatically.

[B]

They're not. Nobody I've spoken to is. Yay, capitalism.

[A]

Oh, sorry, guys. Sorry. The few dozen people she's talking to in her life, it actually has an impact.

[B]

I've been doing this for three years.

[A]

Wow. Three years. What about the 300 million Americans? Did you talk to every single one of them?

[B]

No.

[A]

Ooh, then maybe we should just go off of data. The. Are you. My goodness.

[B]

I want to see people's lives improve. And the government has a role to play in that.

[A]

You killed your parents because they asked for more context. People disagree slightly. And they're a fascist.

[B]

People who support fascist ideals are fascist? Yes.

[A]

Okay, so what's fascist?

[B]

Fascist fascism is when you suppress dissent.

[A]

That's it. That's. That's. Hold on. The entire economic and political structure of fascism. A massive ideology enacted in multiple countries across the world. Its entire basis is suppressing people.

[B]

There's many facets of it, but.

[A]

Please describe fascism. I'd like you to describe the economic structure of fascism for me, please.

[B]

Fascism is when we silence dissent. Whoa.

[A]

Okay. Copy and paste response. Let's try to get a second one in there. You know, they do that under communism. Aggressively. And socialism, but continue, please. She does. Good.

[B]

Fascism is also. When you oppress a group. Minorities oppress minorities.

[A]

You basically just use the same talking point. Do you actually have anything that you can actually describe what fascism really is?

[B]

Well, fascism is what Define fascism.

[A]

What is the economic and political structure of fascism?

[B]

Fascism is private profit or private prisons.

[A]

It actually probably wouldn't be. I'll be honest. Under the economic structure, chronic migraine is 15 or more headache days a month, each lasting four hours or more. Botox Onobotulinum toxin a prevents headaches in adults with chronic migraine before they start. It's not for those with 14 or

[B]

fewer headache days a month.

[A]

It Prevents on average 8 to 9 headache days a month versus 6 to 7 for placebo. Prescription Botox is in injected by your doctor. Effects of Botox may spread hours to weeks after injection causing serious symptoms. Alert your doctor right away as difficulty swallowing, speaking, breathing, eye problems or muscle weakness can be signs of a life threatening condition. Patients with these conditions before injection are at highest risk. Side effects may include allergic reactions, neck and injection site pain, fatigue and headache. Allergic reactions can include rash, welts, asthma symptoms and dizziness. Don't receive Botox if there's a skin infection. Tell your doctor your medical history, muscle or nerve conditions including als, Lou Gehrig's disease, Myasthenia gravis or Lambert Eaton syndrome and medications including botulinum toxins as these may increase the risk of serious side effects. Why wait? Ask your doctor. Visit botoxchronicmigraine.com or call 1-844botox to learn more. Fascism. It's much closer to socialism than it is capitalism in every measured way. Now there are private enterprises, but the people running them and the people working for them are placed there by the state. You have to be loyalist to the state. And the state is determining usually the economic trend of what is being worked on in the economy. It is much closer to a socialist economic structure and political structure than capitalism. By far. Free market doesn't exist in socialism. There is no in fascism there is no free market. It's not about private prison. No, it would be likely a public prison. And the person who's in the prison is gonna be who's in the prison. Whatever they decide the laws are under that country. It was different under Nazi Germany as it was under Spain, as it was under Italy. That's not what defines fascism. You know nothing. You use buzzwords and you know no actual reality.

[B]

I know that reality is that we are suffering and there's gotta be an Al.

[A]

You got the TikTok award again. That is not. That means nothing. Suffering has gone down substantially under capitalism. It is by every numeric fact in the world, including this, the capitalism of Europe. A very capitalist economy whose social Programs are funded by capitalism. Norway sovereign wealth fund, one of the best in the world. Through oil extraction, selling on the private marketplace. Capitalism.

[B]

You know, nothing capitalism allows people to die.

[A]

Yeah, no one ever died under communism.

[B]

It's not profitable to.

[A]

Did anyone ever die under communism?

[B]

Under capitalism?

[A]

Great, good response. Oh, go ahead, get your point.

[B]

Under capitalism, people. People are not prioritized as much as profits are. And so you let people die and you're tossing.

[A]

You're letting someone die. Well, because no, if you go to the emergency room, they're not letting you die. And anyone can go to the emergency room, including an illegal immigrant. What are you talking about?

[B]

And then they die from medical debt.

[A]

No, no. Have you seen this show? Dude, the bankruptcy laws in this country compared to anywhere else are some of the most lax, liberal, incredible. To get out of any bad situation ever.

[B]

I don't know about bankruptcy.

[A]

You don't know about anything. That's the point. If you don't know about bankruptcy, then don't comment on medical debt. What? Moral masturbation's next? You know, saying anything for praise online is less impactful to real people than real outcomes. That's what you should take away from anything and know what the you're talking about. I'm not 100% educated on everything, but at least know something of what you're talking about. Cuz this was pathetic.

[B]

I know that people are.

[A]

You know that. You had a couple conversations.

[B]

Do those people's input not matter?

[A]

All that matters is the actual outcome in the end, which you can measure by collecting statistics across the board. The outcomes for any.

[B]

What is the average income?

[A]

The median income in the United states, I believe. $65,000.

[B]

I don't meet that. And so many more people that I've talked to don't meet that.

[A]

Well, median means not. Not everyone. Do you know what median is? You just asked for median.

[B]

Yeah, well, I asked for average.

[A]

Okay, well, median's more important. Why would you do average? It was more skewed by wealthy people. Average is a bad capture.

[B]

Well, but average goes to show you don't make that.

[A]

Cause you chose your career path. Did you choose your career path? Did you make that choice? Did you choose what to study?

[B]

Yes.

[A]

Well, that was your fault. What? Why are you blaming America for choosing what? You said you're not the median. The income, that was your choice.

[B]

Yes.

[A]

No, I my consequences of your choice. Pathetic worm.

[B]

I got my degree in teaching.

[A]

Yeah, yes, you chose that. What's the point you're trying to make then? That you don't meet the median before we keep going. Quick word from today's sponsor. If you run a business you already know, the AI conversation is getting exhausting every five seconds. It's like use AI or die. Cool. But if your systems are a mess and nothing talks to each other, AI is not saving you. It's just making your chaos faster. And that's why today's video is sponsored by NetSuite. NetSuite is the AI powered business management suite that securely connects your data in one place. Financials, inventory, commerce, HR, CRM. One source of truth trusted by over 43,000 customers. And NetSuite Next is the next huge leap. Because AI is built into everything you do, it surfaces custom insights throughout your day. AI agents help handle routine work. And if you've got a question, you can just ask like you're talking to a coworker. From software and IT services to health care, equipment manufacturing, financial services, and many other great American industries, NetSuite delivers a customized solution for your business. If I were running a seven figure business, this is absolutely what I'd want. And for the first time ever, you can try netsuite Next for free. If your revenues are at least in the seven figures, go to NetSuite AI slash hammer. Built for every industry, ready for every boardroom. Netsuite aihammer. All right, let's get back to the mess. You suck with money. So you download a budgeting app. You start with the classic one, ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, Right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollawise.com, link in the description below.

[B]

Well, it's important to know that, like, we're not paying people what they're worth, what their labor's worth. And, you know, we don't see this intrinsic value in people like teachers.

[A]

Absolutely.

[B]

I mean, we Live in.

[A]

Wait, yes, we do. In the United States.

[B]

From nurses. Nurses are no longer considered professionals.

[A]

You're talking about in terms of what they can borrow for student loans. That might be a good thing.

[B]

No, I'm just talking about professions and how much they make and versus, like how much time that they put into it.

[A]

First, first of all, I don't think that you're gonna hear much complaining in general. Cause nurses get paid. Incredible.

[B]

They work 12 hour days.

[A]

Yes, like four days a week. Yeah. No. My mom's a nurse, my cousin's a nurse. I have so many nurses in my family. It's still like 40 hours a week.

[B]

Are they upset about their profession being undermined?

[A]

I think they're happy with making six figures.

[B]

But that degree is no longer considered a.

[A]

Not everyone cares about a label like you, blue hair. Some people actually care about, again, outcomes. Only thing that matters in the end for a worker usually is their paycheck. That's what you were just complaining about? People not getting paid what they're working. They're getting paid what they're worth. Nurses, it's one of the best degrees you can get.

[B]

I mean, nurses are exhausted, don't you think?

[A]

Oh my. What is there not to be a victim or complain about? Well, so who's gonna do it then?

[B]

How do we get better if we don't recognize what's wrong? No.

[A]

What's your proposal?

[B]

If they're tired, shorter work hours, shorter work weeks.

[A]

You know, we already have a nursing shortage.

[B]

For the same ripped pain, for better pay, for the same.

[A]

Who determines who gets to choose that?

[B]

The workers should get to choose that.

[A]

They do. Whether or not they accept the job,

[B]

they should have a better relationship to their means of production.

[A]

Dude, they get to choose what nursing job they apply for. Emergency room, being a teacher, showing up to old people's homes. It's up to them. Nursing is one of the most flexible fields.

[B]

They're hours.

[A]

They actually are. By choosing to go into nursing when you can see what kind of hours nurses work. Yes, they are.

[B]

We can improve their lives by giving them better.

[A]

Then they might not get paid as much. They have rights. They have the right to quit their job. They have the right to go work whatever they want.

[B]

Hospitals are crazy and I'm relatively glut.

[A]

As long as, like, nurses are making good money and they are.

[B]

So long as they should have a say in how much they're working and what they're working for.

[A]

They do by choosing what job they do by choosing the degree they got. They have that Say their entire life had that say.

[B]

But. Exactly. There's a lot of things that help people inform their choice. Right. And sometimes that way what informs. That is where they are. And sometimes they don't have the ability to apply for like a nurse practitioner job in a hospital desert.

[A]

In a hospital desert. So you know what they do? You know what most people have done?

[B]

They have to leave.

[A]

They leave.

[B]

Exactly. And what happens to that community?

[A]

They would. No. I'm sorry. Not everywhere is gonna thrive. No. Everyone's thriving.

[B]

Thrive.

[A]

That's not possible.

[B]

Socialism.

[A]

But that didn't happen in socialism.

[B]

But it can.

[A]

But it didn't. But we can never once through socialism did every community can be the difference.

[B]

Difference. We already know what it's like to be in incredible amounts of debt and lose the promise of retirement.

[A]

Student loans which you can get on 1% of your income. So what are you talking about?

[B]

Housing.

[A]

What retirement? Were you lost?

[B]

Sorry?

[A]

What retirement? Were you lost as a generation? I'm one year from Gen Z by the way. So I'm pretty much aligned on this.

[B]

But what year were you born?

[A]

95. 96 is when gen Z started. So you.

[B]

Yeah. Google's a year older than me.

[A]

Is. Is that. Is that another award? Like I don't know what you're trying to get. What retirement did you lose?

[B]

Well. Social Security.

[A]

You didn't lose Social Security.

[B]

But it's shutting down.

[A]

No.

[B]

You said 2032.

[A]

Didn't you know there will be a mandatory 25% cut because the slush fund is gone? Which means only the money that can go out is the money coming in. Since we have a decreasing workforce and decreasing birth rate. That's why it'll still come. You'll still get Social Security. It'll just be from what comes in. And again, it's mostly because we didn't invest it in the market which the capitalists wanted to do.

[B]

But we're letting people go. We're not getting new jobs.

[A]

What? We just had record job numbers reported last month.

[B]

We also didn't get job numbers for an entire quarter. Right.

[A]

Okay. What's your point? We just got record job numbers. These last. Dude. These past few months have been great.

[B]

That we've had historic numbers.

[A]

That sucks. But guess what? The past this whole year we have. So I'm. Okay. You're saying we're getting no jobs. We just had hundreds of thousands created.

[B]

We're reducing far more with AI.

[A]

Okay. Unemployment rate is steady. New jobs have been created. So far we're not seeing that overall as a statistical Thing you're getting a couple companies here and there.

[B]

Sure, I've seen it. I've been let go.

[A]

Everyone's been like. This episode is brought to you by Palmolive. Family time isn't just the big moments. It's weeknight dinners, sitting around the table,

[B]

everyone talking all at once.

[A]

So when the plates are empty and the sink is full, use Palmolive Ultra. Palmolive's most powerful formula removes up to 99.9% of grease, leaving your dishes sparkling clean. And the new convenient POM makes cleaning even easier so you can spend less time tackling dishes and more time together. Shop [e-mail] Let go. That's normal.

[B]

But getting rehired, is that normal?

[A]

Did you get rehired? Okay then. Congratulations, you won. What do you want? What are you arguing for? I'm saying it doesn't sound like you're replaced by AI.

[B]

But what I'm saying is that there's nothing.

[A]

Okay, so you just said Gen Z has this. Has this.

[B]

Okay, so you said housing has the ability to. You know.

[A]

Cause you lose your retirement. That's not true. Also just stock market invest 15%. You'll be able to retire multi millionaire. Congratulations. That's pretty easy. We already know you spent 25% on bullshit. So you'll be able to do that. Congratulations. Go yourself. What's the other thing? Housing. 25% of Gen Z already owns a home. Cut out your eating out to eat. You'll be able to put a down payment down. Now, honestly, the majority thing. Yes. Housing costs have gone up. Rent, who cares? You don't need to own a home. No. Who cares? I mean, no, no, you don't.

[B]

Why should all of my investments into a place just go to somebo and

[A]

then invest in someone else's property? That is true, but the thing is you'll make more money.

[B]

But there's not properties available that people can afford. So they have to settle for rent.

[A]

Rentals is better. No, renting's great. What's wrong with renting? It gives you more flexibility in life.

[B]

It gives you flexibility. But your. Your money is not. You're not investing at the house.

[A]

No, that's actually good because you don't want it in a house because housing performs much worse against the stock market. On average. Put that money in the stock market. No, that's what I'm trying to change. The American dream is housing ownership. But me, Ramit, Graham, Stephan, any of the. I even think the money guys, right left, wherever you go. Ramit, he's like pretty far left. Everyone agrees renting is better from a financial perspective because you put the money in the overall marketplace and you will make so much more money than your house ever did.

[B]

You think it's better because the landlords are proffering.

[A]

Who wants to be a landlord these days? It's a horrible return on investment because

[B]

it hurts your feelings when people hate landlords.

[A]

I've sold mine. I don't care. You sold your landlord my rental properties.

[B]

Oh, gotcha.

[A]

Because it's a bad return on investment. Why would I care? I don't care.

[B]

Well, but what made you want to do it in the first place?

[A]

I thought it would be a good return on investment. It was okay. Stock market beat it every day.

[B]

Was it during COVID No, no, no, no, no.

[A]

I bought my own first personal residence during COVID Yeah, you were making a point.

[B]

Well, housing is impossible to come by, and that's why a lot of people run.

[A]

That's not true. But okay, yeah, no, no, no. Again, cost of housing has substantially gone up. That is true. When it comes to buying a house, you don't need to buy a house. But even if you did, how about let's actually care about outcomes? Improve zoning laws, environmental laws, so we can build housing and meet market demand like we did in Austin, Texas.

[B]

But we were talking about how the nurse has to move to go to find their work if they want to work as a nurse instead of fighting.

[A]

No, you said gender is gonna be the change. We lost our retirement. We lost our housing. That's not true. All those things are not tr. What else is there?

[B]

What else did you lose?

[A]

What else are you a victim in? That's not true. You lost your retirement. Not true. You lost your housing. Not true. What else did you lose?

[B]

I mean, I was saying that Gen Z could be the change and we could have a better relationship to our means of production.

[A]

Yeah, okay, so you don't know what fascism is. You don't know anything about the minimum wage. You don't know anything about the detention centers of other countries. Yes, I do know what fascism is. In fact, I was starting to kind of explain it. In fact, it's completely opposite of lowercase l, liberalism, which capitalists are. Lowercase l, liberalism. Normal people on the left, normal people on the right. Trust me, I don't like extreme right. Hate extreme left. Like you as well. Lowercase L, liberalism. Individual rights, communism, opposed to it, fascism opposed to it, limited government opposed to it. It's strong government, free markets. Opposed to it. They destroy it. It Is central planning. That's fascism, that's socialism. They're much closer. So fascism is closer to socialism, 95% compared to capitalism. You know that, right? As an economic and political structure. You know that, right?

[B]

There's no people say in fascism, it's the opposition, it's the oppression. That's in Cuba.

[A]

In every socialist state we've had free and fair elections, People had to say, where has this ever been proven to work?

[B]

In Cuba they have like free and fair elections. They have constant elections, free and fair. Constant elections, free and fair for many things.

[A]

Free and fair.

[B]

Well, does it cost to go to an election?

[A]

Fair elections. Oh, good death. Oh

[B]

yeah.

[A]

You didn't see people flee the United States on boats to get to Cuba, by the way. Socialism, fascism, both anti capitalism, both anti free market, state controlled. What's different? Different is in socialism they at least pretend to care about everyone equally and fashions fascism. They'll, you know, kind of put away the people that aren't providing as much. That's the difference. That's usually the difference. There's four.

[B]

You like the pudding people.

[A]

No, I don't like fascism, I like capitalism. I like lowercase L. Liberalism.

[B]

They put them away is.

[A]

Oh my goodness, she can't listen. She's actually, she's actually the dumbest person I've ever, ever had. They're both one party states. They're not free. There's no free and fair election. So we were looking this up. So what there is in Kansas does not have state operated supermarkets at all, but they have several small rural towns that operate municipal owned grocery stores funded by like property taxes. But no state owned. The place you went, the place you talked about. You don't even know what you're talking about. Oh, you're pathetic. You're a bad activist. At least know something. At least know something. This is really bad.

[B]

I mean, what's the difference?

[A]

You're just obsessed with symbolic winds of what you say. That's all you care about.

[B]

I care about improving people's lives, but

[A]

you actually don't because what improved people's lives?

[B]

Capitalism is improving people's lives.

[A]

It actually has improved everyone's lives dramatically in the world on a statistical basis. In every way it improves the lives

[B]

of the bourgeois only. Hmm.

[A]

Okay.

[B]

The working class is meant to suffer under capitalism. We don't have to be desperate, you know, like we have it in our human nature to help one another.

[A]

I don't know why I allowed myself to go down that rabbit hole, but I'll, I'll Let her have the. The finishing point there. Well done. You got your Reddit award. I'm so proud of you. So good.

[B]

Just want to help people.

[A]

Sorry. Them. Okay. Okay. No, you actually don't though.

[B]

I do.

[A]

Because you don't care about outcomes.

[B]

Whatever.

[A]

Okay. We. I've already proven that. Cuz she knows nothing about the minimum wage or literally any policy she talked about. She actually doesn't. She wasn't able to speak on one thing or any comparable country or economy whatsoever. Them. She. I actually am trying. I'm not making a joke. Right. Bad words. I'm a flubber. But if you actually cared, you would be informed on literally anything more than just talking points. Points and virtue signaling. But your job. What do you get paid?

[B]

60. And I just got a raise.

[A]

Just said you didn't make the median. You're like 5,000 off and you're 25. You know the median usually isn't hit until like 40s. You're doing better than the median your age.

[B]

How is the median my age able to get a house if you're making less static.

[A]

You might not be able to at 25. And you're not a victim for not being able to get a house at 25%.

[B]

People my age own houses.

[A]

Yes. 25.

[B]

How are they doing that if they're making.

[A]

I actually don't know the answer to that question.

[B]

Okay, so you don't know anything because

[A]

of one question you asked me. I'm sure it's a mixture of inheritance. I'm sure it's a mixture of investing. I'm sure it's a mixture of bourgeois investing through. They made the choice. You could have invested. You could have saved. I AM investing from 21 to 25. You could have enough for a 5% down payment. FHA. Yes, you could. Absolutely. I know for a fact you could. At $60,000 a year. Yes. In north. In South Dakota.

[B]

I know for a. I just got that one.

[A]

What were you doing before 50? Okay. You could have in South Dakota. You'd have been fine.

[B]

And I haven't always lived in South Dakota.

[A]

Okay. Where were you?

[B]

I was in Maryland.

[A]

Oh, Maryland may have been a little harder. There are higher cost of living areas. Again, that's zoning problems, not an actual wage problem. Complain about those policies. So you do well for your age. Yeah. You're a victim, of course. What hits your account on a per paycheck basis.

[B]

So. So this is like kind of. I'm glad that we're finally getting into finances.

[A]

Yeah, me too. Cause you couldn't talk about anything properly.

[B]

I was in sort of like a perfect storm financially because a lot of things happened in the same like six week span.

[A]

What? Something George Floyd or something like that.

[B]

No, I'm surprised.

[A]

Okay.

[B]

Yeah, I just. I got let go from my job and then two weeks later they realized they wanted me back.

[A]

Okay, sounds like you're very privileged.

[B]

Or I'm just an asset and they didn't view me as an asset when they were trying to cut everybody.

[A]

Yeah, of course you could never recognize your own privilege. People like you. Yeah, go on. You guys are a walking stereotype. It's hilarious. You're perfect. You were born out of the egg of the far leftist extreme. Missed you. You were. You're incredible. Continue. You're incredible. I love you. I love you. You're my favorite person ever.

[B]

You're hated me a second ago.

[A]

I don't hate you. You're just one of the most people I've ever met in my life and it's incredible. So I want you to continue your so I can continue laughing please.

[B]

So they ended up giving me my job back because they were finally willing to meet my demands. So Now I make 60. I went from 50 to 60 and they wanted me to move and I was able to maintain being remote but they promised severance and I had planned some of my finances around said severance and so then when they hired me back I didn't get severance. So that really, I mean planning to have a good chunk of money come in and then not seeing that money come in at all but for the sake of maintaining a wage.

[A]

So of the now 28% of Gen Z that owns a home, 33% of them said they would not be able to get it if they didn't get help. Meaning that what's the additional percentage in my 30, 38, 37% or 67%. Did I do that right? Percent said they could do it without any additional help, that they got it. So there you go, I answered your question.

[B]

Well, help from the bank cuz obviously

[A]

they no help from someone else in their personal life.

[B]

Gotcha.

[A]

Yeah. And 20% was through selling their stock investments. That's what I recommended for you. 18% lived with their family to save up a large down payment, worked the second job. 17.6% crypto, which is more even investing is 12.7% pulled from retirement early, which you can do. 12.3% wouldn't recommend it, but you can do it. Nonprofit assistance. Also capitalism by the way. 11.2% government assistance. Right up your alley. 8%. So yeah, you can actually do it. Percent using first time home buyers. OI 26.

[B]

Yeah. When I had. I had. Oh FHA 28 with my bank.

[A]

You know, FHA is like 1.5%. So you'd be perfectly fine. You'd be fine. You're just a child. So what hits your account on a monthly basis again? Please, I need that.

[B]

I moved from being bi weekly to weekly. So I get paid 800 a week.

[A]

Okay. Really terminally online, aren't you?

[B]

I'm an archivist, so I.

[A]

What's that?

[B]

I go and Film history as it's happening.

[A]

Okay. I thought you're there. There's like a streamer or something that you're like a big.

[B]

A streamer that what like you were like.

[A]

Like dick sucking for essentially.

[B]

I forgot. But there's a few content creators who I'm pretty close with or that I have interviewed before.

[A]

Oh, who.

[B]

So I've interviewed Medea Benjamin and Amy Goodman.

[A]

Nope.

[B]

And Hasan Piker.

[A]

Oh, I know. Oh, I'm getting canceled. Okay.

[B]

I hope he sees this. I hope he can help me out in terms of like properly addressing.

[A]

He's definitely more terminally online.

[B]

Yeah.

[A]

Than I am for sure. We can have. We can. We can do. He can react to this, then Destiny can react to his reaction and then Asmin can respected his reaction. React to his reaction and maybe I'll react to the reaction or the reaction of the reaction of the reaction. So you're friends with him?

[B]

No, I've interviewed him actually a couple of times.

[A]

If someone came on that was as far right as you are left, I would also down their throat. There was that election denier bullshit. Dumbass woman. I was shutting down her throat the entire time now for what she was talking about. I wasn't as informed on cause I didn't care about those issues as much. I'm much more economically driven and you talked more economic things. So I was much more willing to talk. But I shut down the far right far. I just hate extremism like you guys. You guys are weird. You. You're an extremist.

[B]

I'm open to new solutions that haven't been seen before.

[A]

But yet you weren't open to any statistic that I. So that's the thing. I just hate extremists like you. But I mean I don't have anything against his hunt. I might just disagree with him politically. I know I disagree with Asmon Gold on some political things as well. But I had a friendly conversation with him and that's okay.

[B]

You've met Asmin?

[A]

Yeah, well, he's local.

[B]

Oh, really?

[A]

Yeah.

[B]

I didn't know he left his house

[A]

and I would meet. I think it was the first time in a decade I'd meet. Destiny was supposed to fly here and I think his flight got canceled once. I'd meet Hasan as well. I'll meet anyone, including pedophiles house.

[B]

You've made that clear.

[A]

Well, President of the United States specifically. But I like. I don't think you're a bad person, but I know people like you. The moment that someone is like 10% left of center, disagrees with you on one thing, they become a fascist. And you couldn't even describe fascism. That's the kind of worldview I hate. People that disown people, people that can't even get on with someone that disagrees with 5%. That's toxic and bad. That's bad.

[B]

My parents are not in my adult life, but they were very present and impactful for my young life. I wrote I used to be a conservative. I someday will apologize to my classmates

[A]

because dude, you were a kid. Who cares what you believed as a kid? It doesn't matter. We all. No one knows what the they're talking about.

[B]

I've spent as much time as I will with them as a kid and as an adult, I've actually really completely.

[A]

What are they going to think when they hear when they watch this? Such as soon they know how to. I don't dislike people. I don't dislike people because of political positions. That's what extremists do. And unfortunately that's you. So I don't dislike Hassan. I don't dislike asthma Gold. I don't dislike Destiny. I don't dislike any of those people. I don't dislike you. But it's sad that you dislike people because they disagree with you politically. It's really toxic and disgusting.

[B]

I'm always interested in changing those minds. You know what?

[A]

You weren't able to speak on anything other than buzzwords.

[B]

Well, but I'm. I'm willing to have those conversations with people.

[A]

Can you be more informed next time?

[B]

Yes.

[A]

You know it's important to look things up, right?

[B]

Yes.

[A]

And read.

[B]

Yes.

[A]

Love reading. It's a good time.

[B]

I'm not a theory ist. I know there are people that do a lot more things.

[A]

Well, economic theory is important.

[B]

Yeah.

[A]

You should probably get into it sometime. No one agrees with you.

[B]

Well, I mean, people can agree that free is awesome. It's awesome.

[A]

How is free?

[B]

Well, I mean, I'VE been able to. The only reason my finances aren't any worse is because people are kind enough to help me out.

[A]

You spend 25% on bullshit. You make $60,000 a year if you're getting help from people. You're pathetic.

[B]

Is this the. Can I look at the graph? You can go through it.

[A]

I will. What do you think your financial score is? 0 to 10.

[B]

My financial score? 0 to 10? Like a.

[A]

Is that complicated?

[B]

Well, but I thought you were.

[A]

Sorry, sorry. Zero being the worst, ten being the best.

[B]

Okay, seven. Like I think I can recover.

[A]

But that's where you think you are today, not where you're going. Where do you think you are today?

[B]

Okay, six.

[A]

Okay, great. If you want your financial score, your hammer financial score, get that score for [e-mail]. just takes a few minutes to see where you stand in the world of money. And you can see where you're doing poorly, where you're doing great, what you need to do to get better. And if you don't want to be like a guest who ends up on the show where you're bad with finances, make sure to download the doll wise budgeting app. You'd actually know your percentages yourself off the top of your head, which is very nice.

[B]

I thought you were asking credit score.

[A]

I said financial scores are finance.

[B]

Credit score. They both.

[A]

Okay, download $, get the free trial, sign up for the annual version. If you want to save almost 50%. That's what most people do. I will personally s send you my 30 day meal plan. You'll get your ass back in that kitchen. Am I right, Person? I'm sorry. That was. That was bad. Wait, what do I call you then? Like not pronoun level, like I wanted to call you a lady. What do I call you?

[B]

Well, you can call me by my name.

[A]

Well, but it's a fake name.

[B]

Okay.

[A]

Doomsday.

[B]

Yes.

[A]

Stop bleeding out money. Making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, A personal loan marketplace that lets you get personalized offers from multiple lenders. Lenders in one place you can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers. Or go to calebhammer.com and remember, remember, you still got to do the work. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Gaming Sauce. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb. Okay. Yeah. Get your ass back in the kitchen, make some food. Use the cookbook.

[B]

Are you kidding?

[A]

No.

[B]

I'm allergic to kitchens.

[A]

I assume you have no agency or accountability whatsoever.

[B]

I have lots of agency.

[A]

Oh, but you can't cook for yourself?

[B]

I choose not to cook for myself.

[A]

Why?

[B]

I just. I'm not a good cook.

[A]

That's pretty easy. I just fixed it. Meal plan in a cookbook? Digital version. So then what's the excuse once I've given you the recipes?

[B]

It's not the recipes though. It's the skill that comes with it.

[A]

Turning on a skillet, doing a crock, pot, air fryer. Pretty damn easy.

[B]

Not a space for me.

[A]

What make that make sense to me?

[B]

Lots of people like to cook, learn, take the time. I can learn.

[A]

How do you eat?

[B]

I get fed.

[A]

Make that make sense. I need a little more information. So you eat out for every meal and you're the one complaining about not being able to get a house.

[B]

Not for every meal.

[A]

Okay. You know, it has a dramatic markup. Going out to eat, then delivery. On top of that is an additional 90%.

[B]

It's actually funny that you talk about that. Cause like, I can tell you how much like I pave for a meal.

[A]

How much?

[B]

Like 20 bucks.

[A]

What the. That would be like 3 bucks on my meal plan. So I think it's your fault for not being able to accomplish the financial goals that you're complaining that you can't do. Not society's.

[B]

Well, can I. Am I not allowed to spend $20 a day?

[A]

You do one meal a day, it's still more expensive. You can, but if you're choosing that, then you're choosing.

[B]

Well, can I spend on anything else?

[A]

Aren't you? So, no. Listen, you can't complain that you can't save for anything if you're choosing not to. It's fine if you don't want to. If you would rather go out to eat, that's fine. But then don't complain that you didn't get to save for retirement, that you didn't get to save for a house. You made that choice and that's okay, but own it.

[B]

I'm just pointing out that, like, there's a paycheck is supposed to afford me certain affordances, like food.

[A]

You make 60, you're perfectly fine.

[B]

Right.

[A]

But no, you're not entitled to going out to eat.

[B]

Well, how much can I spend on a day going out? Well, am I?

[A]

What's your goals? Well, you can spend all of it, but you might not hit your goals.

[B]

Right.

[A]

But then don't complain that you can't retire or can't get a house. That was your choice you made. That's not socialism, capitalism. That's you.

[B]

But if the government provided those things, that'd be.

[A]

Why should they? Because you have no agency.

[B]

Well, the government.

[A]

You have no discipline. Why should they?

[B]

Because there's an intrinsic value to.

[A]

Why should it be my responsibility to take care of you since you decided not to take care of yourself when you make good money? In what way is that fair?

[B]

How is it fair for people to lose their everything?

[A]

We're talking about you, not other people. Right now. We're on the you part of this. Why should I have to take care of you when you make $60,000 a year and you choose to blow it all?

[B]

I don't choose to blow it all, but I do.

[A]

You just said you do.

[B]

I do. Spend some money on E. Yes, yes.

[A]

And if instead you put that in a low cost index fund, you let it go to retirement. You had a chance to retire, but you're not doing that. Instead you choose to go out to eat. Why is it my fault for not funding your retirement?

[B]

I am funding my retirement.

[A]

Okay. What if it's not enough and you can put more and you need to put more? Why Should I have to get you a house when you chose not to save up and you chose to go out to eat?

[B]

Whoa.

[A]

Why should it be on me? Is the question I asked. If you chose to go out to eat and blow your money, why should it be on me?

[B]

Because it's. There's an intrinsic value to building up your community.

[A]

You're not in my community.

[B]

Well, then how are you paying for it?

[A]

Well, I assume you would want it to be collected federally and redistributed to you, even though I already pay a higher percentage compared to you? Dramatically.

[B]

Well, yeah. I think that question.

[A]

What percent does the top 1% pay in federal income taxes?

[B]

None.

[A]

I think it's about 40 to 50%. No, I believe it's about 35%. Then the top 10% pays 50 to 60%. Top 50% pays 99%. The bottom 50% of earners only pay 1%. Did you know we actually have the most progressive income tax system in the entire Western world? Did you know that?

[B]

I did not.

[A]

Oh, we do. Of course you didn't know that. Why know anything before having an opinion? Opinion? What the is wrong with you?

[B]

I.

[A]

You're probably a raised taxes person, aren't you? But you didn't even know that we have the most progressive income tax in the entire western world.

[B]

You think I know that?

[A]

You think the top 1% pays 0%. Okay, but that's actually just not true, according to IRS data.

[B]

I mean, comparatively.

[A]

No, compare. That is the percentages. Compared to what? Compared to the bottom 50%. No, compared to the bottom 50%. Bottom 50% only pays 1%.

[B]

It's a lot more than what.

[A]

Than they should.

[B]

Yes.

[A]

The bottom 50% shouldn't pay 1%.

[B]

It's something like.

[A]

That's interesting. You say that because you know the social programs that you love and you beg for that the entire European Union does. You know how they pay for it? They pay for it with a VAT tax. You know what a VAT tax is?

[B]

What's a vat?

[A]

Oh, wow. So you don't even know how they pay for the social programs that you're begging for. Well, but that's a Tax.

[B]

Taxes.

[A]

But what's a VAT tax?

[B]

Another type of.

[A]

This is pathetic. It's a national sales tax. So overall, that is a less progressive tax than we have anywhere here. So the poorest people over in Europe have to pay a flat sales tax to pay for the social programs that they benefit. They pay a higher percentage of their income to taxes as trading as Schwab Is now powered by Ameritrade, bringing you an expanding library of education with even more ways to sharpen your trade trading skills. Access new online courses, insightful webcasts, articles, engaging videos and more, all curated just for traders. Plus guided learning paths with content designed to fit your unique interests. No sifting to find exactly what you need so you can spend your time learning to trade brilliantly. Learn [e-mail] trading the national base to get those percentages where you say the bottom 50 shouldn't even pay 1%. No. If we were going to mimic their systems over there, they would be paying much larger than one. You don't know what the you're talking about. Pathetic.

[B]

What am I talking about?

[A]

You just said the bottom 50% should pay less than 1%.

[B]

I said that they are. What? I said that the billionaires are not paying their fair share.

[A]

How do you define fair share?

[B]

It should be relative to what they make.

[A]

Trust me on what they make. Income wise, they are paying their 40% well.

[B]

But if they're saying that they only made 70,000 that year, you're talking about their business.

[A]

That's not what they make. That's their business. And that's relatively fair. If they're employing, investing a lot in R and D and new technology. You know, we have that tax structure for a reason. So people are investing in the United States economy. So they're building more products, so they're employing more people, which actually contributes more to the tax base overall in the end. Because when they employ more people, that creates payroll taxes on both ends and it actually creates more income tax on the people making over six figures. That actually provides more money overall. Because if you collect all the money from all the billionaires in the world, we'd be able to fund all the our federal budget by what, 50, I think a half a year. So we create more taxes by creating those tax structures and employing more people.

[B]

So when or unionize the top 10 ones.

[A]

Okay, you just come in with a talking point. It's just like what the, what the was that you. Nothing to do with the point. I said anything there in your rebuttal. What's the fair share then? So you don't think, you think when. Oh, okay. So my business, let's say I bring in a million dollars this year and I spend $900,000. You think I should pay taxes on the total million dollars, not the profit of 100,000. Because that's your argument. You know, that's the argument you're making. Right. I should pay Taxes on the total million but not the 100,000 hour profit. Even though I chose to invest $900,000 creating jobs. Because that's the argument you made. You think that should be the case?

[B]

I think that we should reinvest into.

[A]

So you can't answer the question? Question. You can't answer the question because that's what you're advocating for.

[B]

I'm advocating for the top 10 corporations to be unionized.

[A]

You were just talking about paying their fair share, not unionization. Stay on topic. Learn how to stay. Learn how to stay on topic real quick.

[B]

But no, no, no.

[A]

Learn how to stay on topic. I'm talking about the.

[B]

You're talking about taxes.

[A]

Yes, because you said it. You brought it up. You said they're not paying their fair share. Okay, so how are they not paying their fair share then? I'll let you answer again now that we just went down that.

[B]

And you were on average pe. The working class pays more in taxes.

[A]

No, no, no. I've already disproven that with the IRS statistics. In terms of income tax. They don't pay their fair share. Yeah, let's just stick to that talking point and move on. She doesn't even know the percentage breakdown of who pays what goes yourself. So let's look at your documents. Costco card. What's going on?

[B]

It's the highest card that I have. Highest.

[A]

Why? You make good money. Why?

[B]

I've been paying a lot of mechanic bills. I put a lot of bills on.

[A]

By the way, guys, I'm not even a Republican. I just believe in lowercase L. Liberalism and sound capitalism in markets.

[B]

I believe in unions, okay? What? You are a strong unions.

[A]

There are lowercase L people that believe in unions. No, you believe in a lot more than that and you can't back anything up. What the fuck, dude? But she. But what I was trying to say is she's making me seem like the most rude, rude republican in the world. And she's just a far extremist to the left, which is crazy. Whatever. They'll call me a fascist for this. That's how it goes. You think I'm a fascist?

[B]

I think you're essential, actually.

[A]

Centrist. Well, thank you for acknowledging that. I appreciate that. Cause that is true. I go against right wing positions all the time as well. Okay, so $10,856.55. Yeah, I mean you're spending a shit ton of money on this.

[B]

Mostly repairs for my car slash house.

[A]

Do you own a house slash car? What does that mean? You live in Your car?

[B]

Yes.

[A]

Is it here?

[B]

No.

[A]

Oh, why?

[B]

Because it's getting repairs still.

[A]

Then why do you live in something that is depreciating an asset that requires so much repairs instead of renting and letting the landlord take care of it?

[B]

Because it wasn't always, you know, degrading in quality, but also you got to depreciate an asset.

[A]

You got something on wheels. It's going to degrade in quality and a landlord don't own it, so they're not going to. This is again, a choice and a consequence of your choices.

[B]

Yeah, it was my choice to be in control of my output as a person.

[A]

Yeah, you have that choice every day with what you do.

[B]

Well, this is me buying things.

[A]

You making your choice resulted in high credit cards.

[B]

Mm, not a good choice. This is me avoiding rent payments.

[A]

You know, that would be better than. Though it would likely be less and you wouldn't have maxed out credit cards for it.

[B]

With your income especially, you can't move your rent.

[A]

No. You can break your lease and sometimes that's not absolutely perfect, but then you're in it for a year.

[B]

I don't pay rent and I don't pay a car payment and I don't pay insurance for a house because I don't have a house.

[A]

You have car insurance?

[B]

I have car insurance. I paid that once.

[A]

Well, you have to pay it again. Again.

[B]

No, I did it yearly.

[A]

So you have to pay it again next year. Yes. You can do that with home insurance too, and renters insurance to qualify for. You can do that with property taxes. You can do that with everything. Dude, you're so stupid. This isn't all car.

[B]

It is.

[A]

What's Plaza of the something?

[B]

What? What was the charge?

[A]

It's. There's three in a row. 609, 12, 16, 17, 16. Something

[B]

likely gas.

[A]

No. Or there were three in the same day. What was it?

[B]

What day?

[A]

25th April,

[B]

I think. That's like a gas station.

[A]

What were you doing? Three purchases. You're going in and getting some. See, that's your choice again. You're not required to do that to survive, but here. I saved your life. No more energy drinks from the gas station. Make them with gamer subs. They're delicious. Yum, yum, yum. $0.40 a serving with my discount code at gamersupps. Link in the description below. Get your free samples, figure out what flavor you like, then get that tub. And it's 40 cents a serving with my 10% discount code. Why are you going in? Getting some bullshit.

[B]

So Gas stations also have, like, camper hookups so that I can empty my weight.

[A]

Yeah. Why are you going inside and getting some bullshit?

[B]

They also have.

[A]

Sure. Why are you going inside and getting some bullshit? Come on. Because you did it the next day too. You got some gas from Phillips, but then you went inside and got some bullshit. You do that constantly. And it makes sense because you're living on the road, you're living an expensive lifestyle then. Well, it's probably when it was broken. Lift, lift, lift, lift. Lift, lift, lift.

[B]

Oh. Oh. I'm sorry. These.

[A]

I accept your apology.

[B]

I have so my company makes me expense everything, so it's a lot of expenses for work. I don't take lifts personally. Those are work lifts.

[A]

Okay, so just the lifts, then there's the Hilton Cafe autozone. That one's actually fair for your situations.

[B]

Also work.

[A]

Okay. Probably the airport as well, right? McDonald's. Probably not. Go yourself, went inside, got some bullshit. Went inside, got some bullshit. Parking, parking, parking, parking. Might be work. Auntie Mays certainly ain't.

[B]

What is Auntie Maze?

[A]

Going to a restaurant. It looks like you went inside, you got some bullshit again. Sweet teas. Went inside, got some bullshit and went inside, got some bullshit. You're getting some bullshit. This is why you're so fixated on the minimum wage, bags of chips. Cause you go inside and get some bullshit all the time.

[B]

I'm feeding myself, buddy.

[A]

If you're going to go remote drive, drive, vroom, vroom around, get a hot plate. You have to be able to make willing sacrifices or I'm not going to feel sympathetic for anything. If you make all the sacrifices in the world and then you can't survive, that's when I'm sympathetic. And I want us to step in with social programs, food stamps, all that good stuff. Okay? Even UBI maybe, who knows? But guess what? Not if you are choosing to live like this. That is your choice you made. It shouldn't be on us to save you. Then learn, fail, pick yourself back up, be an adult.

[B]

These are like $4 charges and they all add up.

[A]

Death of a thousand cuts, lady.

[B]

Yeah, I'm looking at $5, $5, $6.

[A]

Add the up. You went inside, got some Tell USA, Netflix. Go yourself. It's not even good. YouTube.

[B]

My phone.

[A]

Let's go. Okay. Tell's good. That's about as much as helium. I like helium. Fifteen bucks a line, so that's good. You got something like that, you went inside, got some and Google one. That's fine. That makes sense. Kind of have to have that these days. Interest, Interest fees. Fees. Interest fees, Flex fees. It's. You have a lot of flex fees. Something. Toothmen and showers.

[B]

Yes.

[A]

Titan fuel tanks. This is your choice to pump this money into this vehicle.

[B]

Cuz it's my house.

[A]

So what is it? What do you live in?

[B]

An ambulance.

[A]

An ambulance? What is wrong with you? That must stink. No, I wish it was here. I'd love to see it.

[B]

I can show you videos. I'll give you the MTV tool.

[A]

Okay, let's see. Lots of interest, lots of fees, lots of stupid behavior. No, it's at $11,000 with a $619 a month minimum payment. Like what the fuck you have yourself.

[B]

But you have to look at the Titan and the.

[A]

That you chose to do for your lifestyle.

[B]

For my house.

[A]

Yeah. But you're putting it on a credit card that is accruing interest and plan fees.

[B]

But I.

[A]

You had chose this.

[B]

I thought that I was getting that severance. That severance was the cost of those repairs.

[A]

Okay, and then you chose to get your job back. Like okay, you did that.

[B]

I choose to lose my job.

[A]

You chose to get your job back and go back and negate your severance though, which by the way makes more money over the long term anyway. So you should be able to make it work. But you didn't. You put it on there. I'll get you. I'll get you an accounting certification through course careers and maybe you can learn. A lot of people out there have converted them into six figure jobs.

[B]

Okay,

[A]

you're making the choices. You got laid off and you chose to go take a little trip to Japan. I don't think you went, but you made that choice. You do those choices. You got laid off and you were going to go take a trip to Japan. You are making the life choices. You're not a victim. Show me. It might be cool. I might actually like it. Doesn't mean you can afford it.

[B]

Okay, I make it sideways.

[A]

Okay. I know how to make a phone work.

[B]

Well, I was just. Well, maybe you don't like Android. There you go. Here it is. Double back doors. We got a side door, but I'll take you through the cabin. Here

[A]

you have a stove cook. You have a stove and an oven cook. That toilet shower situation is weird. You must have a nasty. Okay, this personal loan.

[B]

Yep.

[A]

Is $10,937.14. So what's this personal loan for again?

[B]

Ambulance Whambo.

[A]

Okay, so again you chose to take this out. This could be a year's worth of rent and it's at a high 15.49% interest rate. This was your choice. I can't be sympathetic. It's pathetic. Oh, okay. Amtrak.

[B]

Yep. The train.

[A]

No, I know. I like trains. I am very pro high speed rail by the way. I love that California is a complete failure.

[B]

It is.

[A]

And proves that we cannot do it. And most of those can't do it. Well, no, they have proven they can. You know who proved they can? Brightline, Florida. Private.

[B]

I raise you the RTD Denver. And it's free two months a year.

[A]

Wow. Two months a year.

[B]

Yeah.

[A]

They call it what percentage of people? What's its ridership percentage?

[B]

I don't know.

[A]

Okay, come on then. You can't raise that as a point.

[B]

Why not? Is it not important to point out that it's free two months a year? The most profitable time of year as well?

[A]

Okay. The Miami one's free as well all year. So like one. Yes.

[B]

I didn't know that. I've never been to Florida.

[A]

It's also good to collect fares. They do that in every successful actually public transportation system in the world. It prevents antisocial behavior on public transportation and it increases ridership and maintenance in funding. Fares are good. Low fares. Free is not good. It's never been proven to work and

[B]

benefit a system once working really well in Denver.

[A]

Is it what's its percent viewer ridership.

[B]

What's See it's so big that they're actually expanding to bigger include more cities in the northern Colorado area. They've been working on that part for like couple of years now.

[A]

Great. Okay, well you don't own anything on this so I don't really care. Just your annual fee, whatever. And Amtrak kind of sucks.

[B]

Oh well, the credit card gives you free rides.

[A]

Okay, great. You can get across the country in four days.

[B]

Well I'm usually when I used it most I was man this one.

[A]

This balance on this elevations credit union went up from 1,882 to 3,731. Why? Why are you doing this to yourself? You put the risk on your head. You make it so that you can't do as much as you want. This prevents you from going out and doing the things you want to do. From putting out risk.

[B]

I wanted. I called my bank and tried to consolidate.

[A]

You shouldn't.

[B]

Why not?

[A]

Because you haven't changed your behavior that got you here in the first place. If you have this debt and you consolidate it into this debt and this went to zero but the balance is still up here. You'll all of A sudden build it up to here without changing your behavior. That means double the debt. You should never consolidate. We have consolidation and personal loans and great things on calebhammer.com for people that have proven they can. You can use that later, but only after you change your behavior. And you haven't.

[B]

But the most debt is mechanics.

[A]

It doesn't matter what it is. It's still behavior you chose to do. The behavior that got you there in the first place. And it's still not anyway because you went to a vending machine summer household

[B]

for losing their AC or their heating or their water.

[A]

Yeah, but they shouldn't put. Well, no, no, no. It's not because you chose to go into this van life.

[B]

That's like buying a house, right? When you buy a house, you pick up the risk of owning a house.

[A]

Exactly. And you shouldn't get into a house without a proper fully funded six month emergency fund. So yes, I agree with that point. It's not like rental. It's not like an AC breaking necessarily. You chose to do the van life. Now you're paying for it. And you will still have that behavior. You're door dashing. Marriott United. Door dash American. American. Yeah, but you're still putting it on a credit card that you are not paying off. That is accruing interest. You put double towards it. Then you put on it again.

[B]

Those are. These are all work related charges. I travel for work.

[A]

A basket furniture. Doubt that was reimbursed. Green Lady Lounge. Chipotle. Chipotle Some King Restaurant. Restaurant Coffee doordash again. Getting some Jimmy John's Trail brewery device pros. 54th Street.

[B]

That was my phone.

[A]

It's okay. Okay, that doesn't make any sense because. What? What do you mean your phone was on another card?

[B]

No, no. My. My phone screen broke. I had to replace the phone screen. That's device pros.

[A]

Fees, interest. It's all. This is stupid. It's been a fun conversation so far. Hopefully people like it and are watching. It's a very different one. But I've enjoyed it. I've made either an enemy or a friend. Or a lot of enemies or friends out there. I don't know yet. We'll figure it out. Where's your checking account, dude? Or was this. This is your checking account. Okay. You went inside get some. When inside, get some. You got like 1,500. When I get some. When inside, get some. Withdraw. Withdraw. Venmo. Venmo. Okay, so what is actually a. Where's your money? What's your savings? You said you had savings in retirement and stuff.

[B]

I can show you my.

[A]

Just tell me what's in it.

[B]

So when I checked it was like. Well, at its peak it was.

[A]

What's it at today?

[B]

I think it's 9.8 thousand. Uh huh.

[A]

Halfway decent. What's it invested in?

[B]

It's invested in net and AMD Net.

[A]

Oh, individual stocks. Why? Why not a low cost index fund or a retirement target date fund?

[B]

I just wanted to choose the stocks that I invest in.

[A]

And it'll be our fault if you don't retire.

[B]

Well, but I mean, I'm beating the S and P by a lot. S and p is doing 12 and I'm doing 85.

[A]

12 on average. It hasn't done 12 this year. Right, but even still, you gotta. Long term is what matters.

[B]

Matters? Yeah.

[A]

I can show you long term is what matters. The next 40 years of your life. Not one year, not one snapshot. Are you going to trade in and out?

[B]

No.

[A]

Of those stocks. Okay.

[B]

I was gonna just hold.

[A]

Okay. Your debt, minimum payments, you're holding till retirement. You believe in AMD until you retire and next. Or whatever you said your minimum payments are $1,183.58. Okay, so you don't have rent, but you don't have a payment on the ambulance, right? No, you do. That was a personal loan. Mm, no, I mean, I see it. That doesn't change the point of what I said. Oh, okay. But no, you don't have a savings account.

[B]

I. I have a little bit of savings.

[A]

How much?

[B]

Like a thousand.

[A]

Kill myself. Okay, so you don't. What's your gas? Your gas. Vroom, vroom. Drive, drive. That you have to spend because that's like your rent. Essentially. That and the insurance. Insurance?

[B]

Well, the insurance I only paid once.

[A]

I know, but you gotta save for it monthly to pay for it next time. Come on. How much is. What was your yearly insurance?

[B]

300.

[A]

Okay. Pretty good.

[B]

Very good.

[A]

25 bucks a month. Not bad. Okay, Gas. Vroom, vroom. Drive, drive. Come on.

[B]

Like 300 on a full tank phone bill?

[A]

Well, it was like 15 bucks.

[B]

Right.

[A]

Then you had a second payment.

[B]

It's.

[A]

Huh? Yeah, a second payment on a different card. What was that on all about? Your phone service was on one card and you had like a phone payment on another card.

[B]

It was the screen. I replaced a phone. The screen on.

[A]

You still owe on it?

[B]

No.

[A]

Okay, so 15 bucks a month?

[B]

Yeah. Okay, well it's 25.

[A]

Oh, okay.

[B]

Sorry. Not to nitpick. I know. We're counting every Penny.

[A]

No, this does matter to nitpick. Utilities and stuff. You plugging in your like parking places and stuff. How much should we spend a month on that? You parking places and whatnot?

[B]

I mean, I don't really have to pay for parking too often, but getting

[A]

like water and shit to maintain this. How much to maintain the bus? Like damn.

[B]

50. Okay.

[A]

Not bad. Groceries. You're gonna do 300 bucks. Cause you have a stove and you just learn to cook. Please make sandwiches. It's so basic. You have to do this for the sake of your future. Just do it. You can give more money to every little organization you want. Okay, Think about it like that. You're being selfish if you don't. You're being selfish if you don't. Because then you can't give more money to people. TP fund anything else. You need to survive in there. Either tampons or condoms. I still can't tell. 200 bucks will go there. Medical, health care, copays, monthly basis. I'm sure you have a lot of therapy. Nope. Oh, you need it. Okay. Gym? Nope. Okay. Subscriptions. I'll give you. I'll try 50 bucks. Little life on the road thing. Notepad. Right. Wouldn't mesh with your life. Anything else that needs to be in your budget, that's not there.

[B]

Well, I have to be able to afford whatever my work expenses and my last work travel.

[A]

How quickly do they expense it back to you?

[B]

Two weeks.

[A]

Okay, then you should be. You should be relatively fine. You just need to make sure you have the balance in your checking account to actually do it. I wouldn't put it on a credit card that are getting fees and interest added to it. That doesn't make any sense.

[B]

Why.

[A]

Why pay for them to cash advance you? It's a little silly. Okay, so I'll actually give you some fun spending. Not much. Like 70 bucks. Okay. Yippee. You get to go out a couple times a month.

[B]

My. My problem.

[A]

Please. This gives you an extra thousand dollars a month. We can make so much progress. Please. Please don't be a please. Please. What? What? What are you going to fight me against? What?

[B]

It's. I mean, I. I'm just. It's just the mechanics.

[A]

Huh?

[B]

The mechanics that have charged me. That's the bulk of my pay. Like the bulk of my debt.

[A]

Yeah, I know. Good. That's in your minimum payments.

[B]

Okay.

[A]

Does that matter?

[B]

No, it's just how I got here.

[A]

Okay, well, no, you could pay it off quicker if you weren't spending. You were spending a shit ton of bullshit. Hundreds of dollars a month. Hundreds of dollars that could go towards the cars. That would pay them off quicker. No it isn't. You spend more than you made that what? That's what put the balance on there initially.

[B]

But what's prevented you from paying several weeks without paying?

[A]

What's preventing you from. I don't care what's preventing you. If you're going weeks without pay then why are you going out to eat? You're not making it make sense.

[B]

Well you don't have the statements from winners.

[A]

It doesn't matter. You are spending hundreds of dollars a month on bullshit. Don't. And put it towards paying off the debt. That sucks you got in the first place. And you know why you have the mechanic debt? Because you chose to live vast life. Okay. That's going to come with it. These are your choices. Live with them brother. Stop being a victim. Can I tell you how long it's going to pay off your debt? Because that's actually what matters. It takes 17 months. That's not bad at all. It's a year and a half. I know. Do it and you're done. Stop spending hundreds a month of bullshit. But the hundreds you spent this takes. If you only spend on that bullshit. The hundreds a month on bullshit. It takes you almost like 4 years to pay off your debt. Make it a year and a half be it.

[B]

Don't.

[A]

Okay. Sake.

[B]

I believe it's totally possible. My bank. I do too.

[A]

The math says yeah. So it doesn't matter.

[B]

So the my bank told me that they wouldn't work with me for that consolidation. And I see that you're telling me

[A]

that you don't need a consolidation. Pay off your debt.

[B]

Exactly.

[A]

And go to caleb hammer.com if you need a consolidation in the future. Ladies and gentlemen, get your Hammer Financial score there. Let's get our Hammer funded. Their Hammer Financial Financial score again, I really do apologize sincerely on that spending. In a budget you overspent. 0. 10 debt. No collections. Bad reasons for the debt. 2 out of 10 emergency fund. There's a thousand hours. 1 out of 10 retirement. Yeah. You know I'll give you a 5 out of 10 for your age. 25. 4 out of 10 getting started. You want to be about one times income by the time you're 30. Real estate score. I will give you zero because you don't have real estate. And no, that vehicle does not count. That goes against your debt that you owe towards it. And that's why I gave you a two instead of a one.

[B]

Yeah. I was really shocked that my bank wouldn't accept it as collateral.

[A]

Hammer why would it hammer financial score 1.5 out of 10 get yours@caleb hammer.com join us it's going to be a while. You've seen how wild this one is. It's going to be even more wild than the Post show. Uncut Uncensored Three premium shows posted every single day, six days a week. Join on YouTube by clicking that join button or link in the description description below. Or download Hammerlead or go to hammerlead.com wherever you want to do it. Hammerly is the same on both platforms. Love you either way.

[B]

And the BO show I haven't paid my taxes yet.

[A]

You haven't paid your taxes? You haven't paid your taxes. You're a taker, not a giver. You're champagne socialist. You live it up. You don't pay a single thing in taxes to actually go to the social programs. Then you're saying people need to go pay more money. You don't even know.

[B]

I'm not paying for imperialism.

[A]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.