"Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit

Summary

Podcast Summary

Overview

Episode Title: "Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit
Podcast: Financial Audit
Host: Caleb Hammer
Guest: Dylan, 26, Miami FL, Social Media Marketing Specialist
Date: October 1, 2025

In this episode, host Caleb Hammer conducts a financial audit for Dylan, a 26-year-old social media marketing specialist from Miami with $22,000 in high-interest credit card debt. Dylan and his fiancée are contemplating an international move, fueled by a sense of political disillusionment and the desire for a more "walkable" life. The conversation delves into Dylan's struggles with spending, his attempts to build a classic automotive influencer brand, and the precarious plans for moving abroad—despite his mounting financial issues and a lack of concrete strategy.

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Main Themes

• The myth of the American Dream and desire to move abroad
• Living beyond one's means: travel, lifestyle, and debt
• The realities of being a micro-influencer and earning online
• Relationship tensions around money transparency and goals
• The practical and financial challenges of emigrating

---

Key Discussion Points & Insights

1. Dylan's Background and Aspirations

• Job & Finances: Dylan earns a net $3,300/month ($54,000 salary) in Miami—an expensive city—working full-time at a car dealership in social media marketing.
• Life & Relationship: He lives with his fiancée, already pooling some finances. They want to have children and are planning to marry in about two years.
• Dreams of Leaving the US: Dylan expresses disillusionment with America, citing political factors and the collapse of the "American dream."
  • “The American Dream is...not a thing, is it?” (00:03, B)
  • “I want to leave because America's dead.” (00:07, A paraphrasing B)

2. The Ill-Prepared International Move

• Motivation: The couple wants to emigrate for “walkability,” culture, and career opportunities abroad (Europe or Latin America).
• Preparation: They are vague about where to go (Mexico, Netherlands, UK, etc.), have no visa strategy, and severely lack savings (Dylan has $164; fiancée about $8,000).
• Debt Situation: Instead of focusing on debt repayment, they are putting their energy into moving.
  • Caleb: “Why is paying off $22,000 of bad credit card debt not more important?” (14:49, paraphrased)

3. Building a Brand and Income as an Influencer

• Online Presence: Dylan is a self-described "micro-influencer" with ~2,500-3,000 followers in the classic automotive niche.
  • “I’m already a micro-influencer. I’ll put myself in that category.” (05:51, B)
  • “About 3,000 followers within six months…classic automotive.” (05:54-06:01, B)
• False Hopes of Online Income: Dylan believes he can turn his small following into a real income via affiliate marketing and brand deals, but lacks a realistic grasp of the market.
  • Guest expert Brandon: “With 2,500 followers and 50 story views? Most affiliates pay five, ten, maybe fifteen bucks per sale.” (38:28, C)
  • “He’s on his way to make about $50 to $100 a month.” (38:39, A)

4. Chronic Overspending & Hiding Purchases

• Habits: Dylan spends large sums on travel, eating out, and "lifestyle"—often beyond his means on credit cards.
  • Extensive travel: Morocco, Paris, Colombia, Puerto Rico, cruise, etc., primarily charged to credit cards.
  • Purchase habits include "miscellaneous bullshit," video games, sneakers, eating out, coffee, and streaming services—even when accounts are overdrawn.
• Lack of Transparency: He has a history of hiding fast food and small purchases from his fiancée.
  • “...I would go get fast food, eat in my car, and throw away the trash and receipt so she wouldn’t find it. I don’t go about things like that anymore.” (25:55, B)
  • “Would cheating be considered a bad habit?” (21:28, A)

5. Financial Details and Audit Findings

Debt Breakdown:

• $22,000+ in credit card debt, all “bad debt”
  • Venture: $7,879.62, 30%+ APR, always over the limit, late fees, minimum payment $256 (47:51)
  • Discover It: $5,863.60, 20% APR, multiple late fees, minimum payment $118 (63:15)
  • Capital One: $5,817.79, over limit, not making minimum payments (77:21)
  • Freedom Card: $2,716.31, also maxed out
• Massive interest paid (~$3,000 just this year on cards), credit score 513.
  • “Your credit score is 513.” (58:16, A)
• Only $164 in his own savings; fiancée has ~$8,000, but this would barely cover a third of their debt.
• Spending outpaces income: in a recent month, spent $4,436 against $3,400 in pay. (64:46)
  • “All the work you did last month, every hour you put in…was just to pay interest on things you’ve already purchased.” (87:13, A)

Other Risky Behaviors:

• Borrowed money from parents/in-laws for previous moves and car down payments (71:00).
• Repeated late/overlimit fees, overdrafts (including for streaming services like Peacock).
• Investing ($67/month to Robinhood) despite debt crisis.

6. Relationship Money Dynamics

• Fiancée is more financially responsible, applied him for the show, and is frustrated with his financial choices.
• They do not have joint accounts; discuss finances but maintain separate management.
• Tension over purchases and dishonesty, especially around their shared goal to move abroad and inability to save.
  • “She is very aware of my finances and her thoughts: I could be in a better situation.” (02:48, B)
  • “You’re hiding purchases from your fiancée...” (21:06, A)

7. Unrealistic Timelines and Planning

• Their lease ends in five months, which is Dylan's stated deadline to move abroad—without a location, job plan, or visas figured out.
• Budget projection shows, with strict discipline, it would take 22 months to repay debt and build an emergency fund; currently living month-to-month.
  • “With $190 of fun money, I can still have you at $1,100 left over. Which, do the math, pays it off in 22 months.” (94:27, A)
• Caleb repeatedly pushes back against the unrealistic five-month timetable.

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Notable Quotes & Memorable Moments

• On the American Dream:
  “The American Dream is not a thing, is it?” (00:03, B)
  “I want to leave because America’s dead. Yes, grass is always greener, ladies and gentlemen.” (00:07, paraphrased, A)

• Delusions of Influencer Wealth:
  “Your brand deals are going to be like 25 bucks, though.” (28:04, A)
  “He’s on his way to make about fifty to a hundred a month [as an influencer].” (38:39, A)

• Hiding Spending from Fiancée:
  “I would go get fast food, eat in my car and throw away the trash and receipt so she wouldn’t find it.” (25:55, B)

• Caleb’s Directness:
  “Are you just trying to flee your debt? Are you trying to flee your financial situation? You just haven’t found the life you want to live here?” (15:04, A)
  “I hope you do well. I hope you blow up. ...You’ll need something completely different that has not been done before to really break in.” (80:01, A)

• Brandon, on Online Earning Reality:
  “Most companies are going to have you do a three-story click on your Instagram story and integrate TikTok or YouTube. And you’d be lucky to get five, ten, maybe fifteen bucks per affiliate deal.” (38:28, C)

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Key Timestamps & Segments

• Financial Situation/Living in Miami: 01:00–04:00
• Desire to Move Internationally: 04:16–08:10
• Dylan’s Influencer Aspirations: 05:35–14:00
• Savings/Debt Reality Check: 13:30–15:00
• Lack of Plan for Move (Visa, Income, Timeline): 16:08–17:19
• Hiding Purchases from Fiancée: 21:06–26:14
• Brand Deals Are a Fantasy (Brandon joins): 35:28–40:53
• Detailed Credit Card Audit and Interest Charges: 47:51–58:19
• Travel Spending Exposed: 57:04–58:08
• Budget Breakdown, Debt Recovery Timeline: 93:35–94:49

---

Tone and Conclusions

The tone is direct, at times harsh, but ultimately focused on realism and tough love. Caleb respects Dylan’s ambitions but forcefully counters his unrealistic views about influencing, travel, and what it actually takes to move abroad with massive debt.

Caleb’s prescription:

• No travel until debt is paid off and an emergency fund is built
• Revisit moving once finances are under control—realistically, in 22 months, not five
• Full transparency with fiancée about money and prioritizing financial stability

Final Takeaway:
Dylan’s dream of “escaping” America and funding a cosmopolitan lifestyle through budding influencer work is disconnected from his financial and personal realities. The episode is a sharp, sometimes uncomfortable look at millennial/Gen Z financial optimism versus actual numbers—and the consequences of wishful thinking.

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For listeners:
This episode is essential listening for anyone contemplating a big life change—especially one involving debt, travel, or the influencer economy. It’s an honest, sometimes brutal, but much-needed reality check.

Transcript

[A]

To watch episodes of financial audit a week earlier, Check us out on YouTube.

[B]

The American Dream is. Is not a thing, is it?

[A]

I want to leave because America's dead. Yes, Grass is always greener, ladies and gentlemen.

[B]

I'm already a micro influencer. I'll put myself in that category.

[A]

These statements go through mid last month.

[B]

Well, well, I've been doing my own budgeting too.

[A]

I don't trust your budget. You're not a reliable source. Look at the financial situation you got yourself and that means nothing.

[B]

Okay. All right. Sure.

[A]

Sign up for the new and improved dollar wise budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. And for a limited time only, if you want to bundle all of my educational programs together with the budget app, join dollar wise Central and save 80%. Take the trial and learn [e-mail].

[B]

I'm Dylan. I'm 26. I'm from Miami, Florida. And you're. And you're watching financial audit.

[A]

Hey, you plowed through it. You kept going.

[B]

A little voice crack there.

[A]

That's what matters.

[B]

Not to believe my style.

[A]

Absolutely. So thanks for coming over. From Miami to Austin, what do you do for a living there?

[B]

So I'm a social media marketing specialist at a car dealership.

[A]

At a car dealership?

[B]

Yeah.

[A]

Okay.

[B]

Big one interest.

[A]

A big one. Okay, sure. Okay. Yeah. What does that make? That's. What does a car dealership social media do? Okay. Yeah. What do you make?

[B]

So my salary is 54,000, but so I'll say net, what hits my account per month is about 3,300.

[A]

Wow. Quickest we ever got through that answer to even asking that. 3300. That's wonderful. Good. Okay. Is this full? 40. Full 40 hours a week and everything? Full time job?

[B]

Yeah. Yeah.

[A]

Because social media doing with a car dealership. Okay. I don't actually need to know the answer to that question.

[B]

It's kind of a new thing. Like a lot of car dealerships don't really care about social media marketing, so it's something that I wouldn't think so. Just trying to.

[A]

Daytime ads and, you know, evening news.

[B]

Yeah.

[A]

Okay.

[B]

Pretty much, yeah.

[A]

Well, cool. Congratulations. 3300 in Miami. How you. How you doing with that?

[B]

It's all right. Miami is pretty expensive.

[A]

We got the Miami energy.

[B]

I don't know if it's like the shirt or whatever, the fade, but I.

[A]

Just see you doing off the Flap.

[B]

Of a. I don't do that. I'm more of like a smoke weed and have a beer type of guy. But I also lived in New York for a long time before this. I've only been in Miami for a year.

[A]

Oh, okay.

[B]

Yeah.

[A]

Cool. Well, how you doing living there? Because, yeah, like you said, it's expensive.

[B]

You know what? It's cool. I, I, I live by the water. I drive a drop top. I have my fiance. We go to the Fiance? I have a fiance. Yes. Married? Yeah.

[A]

Okay, well, well done. So this will be a dual income household soon.

[B]

It. It is.

[A]

Does she know about your finances that we're talking about today?

[B]

She is very aware of my finances and her thoughts. I could be in a better situation and I.

[A]

Well, obviously some. Everyone would think you could be in a better situation.

[B]

I mean, sure.

[A]

What's her thoughts on your finances? Getting into her life?

[B]

That. I mean, mostly that I need to make more money. I mean, I.

[A]

Is that what it is? Is that what got you here?

[B]

I mean, it's also, you know, spending over the knockout?

[A]

Why is that not what we're concerned about? Why is that not what she's concerned about? Does she.

[B]

She's concerned about both in the sense that I need to be on top of budgeting.

[A]

Does she have insights into your spending?

[B]

What do you mean insights? Like, do we have, like a joint account you're spending?

[A]

Does she have any knowledge? Oh, for sure.

[B]

Yeah. We talk about it all the time.

[A]

Okay, so now you got there with knowledge, but the word insights, that really freaked you out. Okay.

[B]

I don't know, because whenever, Whenever people talk about, like, couples trying to get married, for some reason they want to start talking about, like, joint accounts and stuff like that, and we're not there yet.

[A]

Oh, she made you apply to the show?

[B]

She did, yeah.

[A]

Okay.

[B]

She actually onto the show.

[A]

That makes sense.

[B]

Yeah. I didn't know about you before. Yeah.

[A]

When are you guys getting married?

[B]

It's no rush. Probably two years from now.

[A]

Oh, okay. Yeah, yeah. No rush at all, it seems. That's okay.

[B]

Yeah.

[A]

However you guys want to do, that's fine. Okay. So what's going on, man? What are we talking about?

[B]

So, okay, so here's the big thing, is that we want to move out of the country. You want to move out of the country?

[A]

Why?

[B]

And I mean, a number of reasons. What? Some political with, like, how things are going right now, but also just like, look, man, the American dream is not a thing anymore if it ever was. It's not a thing anymore if it ever was in 2025. Well, let's put it this way. You have to be.

[A]

Are you now making 54,000 hours a year in a major city in the United States?

[B]

I mean, sure, but it's. I don't know. I want more. I want to live in a walkable city.

[A]

Well, I do too. You're from New York.

[B]

Yeah. Yeah, I am.

[A]

Go back.

[B]

We want to experience living in more of the world we traveled to. Well, is that what, Europe and Latin America?

[A]

There's two parts of this conversation. If it's, I want to live in the other part of. In other parts of the world to experience other parts of the world, that's fine.

[B]

That's part of it.

[A]

Or is it I want to leave because America's dead, and then that's a different conversation.

[B]

I mean, it's. It's a combination of both. I mean, sure, I'm. I'm doing okay with my current job, but I. Yeah, I. I want. I. I'm actually building a personal brand as an influencer. I'm taking a lot of the skills from my day job as well.

[A]

What is your influencer, dude?

[B]

What is my influencer?

[A]

You think he came on here for influence? I think it was his girlfriend applied for him. Okay. Or forced him to come on. So. Yeah. What the is your influencer? What is your influencer? Give me your influencer.

[B]

All right. Okay, let's slow down. I'm. I'm already a micro influencer. I'll put myself in that category because.

[A]

I don't know what constitutes as that.

[B]

About 3000 followers within six months.

[A]

Okay.

[B]

Focused in a particular niche.

[A]

Niches.

[B]

Classic automotive.

[A]

Ah, yes. Going international for classic automotive.

[B]

Of course, because there's a bigger market for it in Europe than there is in parts of the US where people like classic automotive. Yeah, because. Because Americans are buying EVs and SUVs. Like, they're not.

[A]

So you're going to Europe. When you say you want to see parts of the world, you go into our closest culture. I.

[B]

We can debate about that.

[A]

Let's talk about closest culture compared to the rest of the world.

[B]

I mean, you're right.

[A]

Canada and Australia. Sure. But then, come on, Western Europe.

[B]

I mean, I'd like to explore Eastern Europe, too. The point is, is to get to a place where I can. Where I can explore more, where there's, you know, walkable cities and where I. I might.

[A]

I vibe with that as well.

[B]

Raise our children. I mean, it's either that or Latin America. We've explored a bit of that. Too. She is Colombian, I'm Dominican, so. Okay.

[A]

But then there's like, at least Europe has, like thriving economy. Even if it's flatlining, it's still thriving. You have places that are blowing up, like Poland and.

[B]

Sure, yeah. So. So you're saying my point that there's options in Europe, Saying there's not.

[A]

I'll support what you want to do. I'm trying to understand your why. Because we've had people that have come on the show that want to abandon everything up their finances to move over there for very silly reasons.

[B]

For very.

[A]

If your reason is, oh, because I like the culture, I want the walkability. I want to settle down on a career that makes more sense there. Yeah, that's fine. Again, a lot of people are willing to blow everything up because, you know, politics in its current state are what they disagree with. Where it'll probably change in four years because that's what happens every single time. They're willing to blow up their life just for the sake of an election. Which is very silly.

[B]

That is pretty silly. I mean, hell, is that not you.

[A]

Because you said the pot, you brought up the politics.

[B]

I could add the context. I was in Paris when the election happened and we almost didn't want to come back, but we did.

[A]

Yeah. Okay. Paris. What France's unemployment's, economy's, their economies. Like, France is not the place we would be moving if we're trying to look for a thriving place. You'll be looking Norway, you'd be looking.

[B]

Switzerland, you'd be looking Poland. I would like the Netherlands. I really love. She loves the uk.

[A]

Spain is a failing country by every man. That's hardly even a first world country.

[B]

Well, I'm looking at making money online.

[A]

Grass is always greener, ladies and gentlemen. Okay, well, grass is always greener, sure, yeah.

[B]

I mean, but remember, people move there from here. It's a great big world. We're still in our 20s. Who knows what could happen in life?

[A]

Yeah. You're 26, but you're talking about settling down, making kids. Right. Isn't that one of the big places eventually?

[B]

I mean, Yeah. A few years from now, what's the.

[A]

Country guys are picking? Like, when are we doing this? Because I'll support you to get to what you want to do. Because that's the point of the show. Right, right. Unless what you want to do is just completely damaging to you, then I won't do it. But I mean, if. If you want to move there for reasons that's just like, yeah, I want to. And you're not like. Because you're like, oh, I'm scared. It's like, okay, then, like, that I'll push back against. But whatever, it's fine. But this influencer thing and wanting to settle down with kids and I don't feel like you know where you want to go because you just mentioned three very different countries.

[B]

There's definitely some time to spend exploring before deciding on exactly where we're going to settle down. I mean, we've.

[A]

So what's the timeline on this? What. What am I doing here?

[B]

Okay, that's a. That's a great question.

[A]

Some money to fund this.

[B]

There is some savings.

[A]

What visas are you looking at? Like, what are we doing?

[B]

It would make sense.

[A]

There is some savings. Well, then I would. Hailey, let's have a little fact check real quick. Fact check. $164.

[B]

It's not just my savings, but also more important. Okay, but more importantly is, well, he has $22,277. Is that we have skills. I have skills that give me a lot of freedom to work different places.

[A]

You've accumulated a couple thousand followers. I'm not saying that's nothing, but that's not an income replacement.

[B]

No, but I'm on my way over there. This is. This is only my first year.

[A]

Not 3,000 followers.

[B]

On what? On Instagram.

[A]

Right. Okay.

[B]

So I can start doing Tick Tock. I can expand into this.

[A]

I was going to say, like, start.

[B]

Doing affiliate marketing because that's what it.

[A]

Would have to be on Instagram because Instagram doesn't pay dick and Tick Tock barely pays dick. But at least they.

[B]

Okay. I'm at least aware of options. There's a whole lot of. There's a whole.

[A]

Okay, what's the affiliate marketing you're doing in the world of cars? Because I know a car creator. They have well over a million followers on YouTube. Get hundreds of thousands of views. I don't think it makes the money. I think it does. And they get all the top automotive affiliates.

[B]

Okay. I mean, yeah, there's. There's a lot of options, though. I mean, yeah, there's classic car dealers that have affiliate programs. There are classic car dealers.

[A]

So you're banking on like one a year?

[B]

No, no, because I'm already in the industry of car sales. I'm expanding my skills to.

[A]

For myself in the industry, buddy. You're marketing.

[B]

Yeah, marketing.

[A]

I'm sorry, you're. You're not a car Salesman, bro.

[B]

In 2024, trying to get people to go to the dealership, come into Car dealerships without. People don't know where car dealerships are unless they see them on social media. Buddy, what are you talking about?

[A]

I'm pretty sure they just use Google Maps or Apple Maps and just search.

[B]

Okay, but. But then you need to look at. Okay. The modern car buyer is very educated and looks at their different options.

[A]

Shops around based on the cars I've seen people have on the show. I would disagree, but I'm swell. Continue, Continue.

[B]

People aren't exactly educated always on their financial situation when buying a car because people sign up for.

[A]

So you're educated on what they goon to.

[B]

Yeah, I'm. I'm educated on the scam of auto loans.

[A]

No, you're saying the consumer is educated on like the car they want to just like. Oh, yeah.

[B]

Consumers are educated on what they. In terms of the product.

[A]

Sure. They see a nice car on TikTok. You're saying that's them educated. I got you.

[B]

Okay, but it's also not just that. It's also that I'm working in the classic car community. I've. I've expanded your major dealerships.

[A]

All classic cars.

[B]

No, no, no, no, no, no, no, no, no, no. The classic car thing is just me. This is something that I do. This is my influence that I've been building on my own and in doing.

[A]

So, let's vet bet.

[B]

You want to see it right now?

[A]

Yes.

[B]

Okay.

[A]

We're going to blur the names because I do not allow people to plug things, but I will screen record it.

[B]

Should totally plug it though.

[A]

Nope. You know the rules.

[B]

Be a great opportunity for everybody. Maybe in the post show.

[A]

Sounds like only you.

[B]

All right. Yeah, well, I'm at 25, but here you go. Let's take a look at it. Let me know what you think. I meet with classic car owners.

[A]

Yeah, well, it doesn't even have this picture.

[B]

Find buyers. That helps the owners help them find buyers through my platform. People that follow me, you know, particularly. Why are you. Why are you looking at me so hard? Yeah, that's me.

[A]

Okay, because in that you look like.

[B]

Right now I needed a haircut in that. In that video. Yeah.

[A]

Plus years get like a thousand. 500, 400.

[B]

Yeah, I mean, we're just getting started. I'm getting a decent amount.

[A]

How many followers did. How many followers did he.

[B]

Okay, okay, look, I'm on my way to 3,000.

[A]

Yeah, it was a very roundup by. Hold on.

[B]

Sure, go ahead.

[A]

He. He rounded up approximately 20%.

[B]

Okay. Yeah. If you want to take a deep dive into my professional dashboard I'll. I'll be at 3,000 before the end of the month. That's just my average growth rate.

[A]

Okay. I hope so. Like, I'm not discouraging you, it's just. Why is this not an iPhone?

[B]

It is an iPhone.

[A]

I said button.

[B]

I have a case on it.

[A]

Where's the button?

[B]

The button fell off the case. Yeah. So that's. That's one thing. I haven't bought a new case, but I don't really need one. It works for me. Why would I buy a new case?

[A]

Because I can't lock your phone right now.

[B]

Well, it's my phone.

[A]

Okay.

[B]

But anyway, yeah, so I've been working in videography photography for some time now. And the bigger scheme would be to help find homes for classic cars, because people sell them, people buy them. If I can help sellers.

[A]

I just don't know if I can say this is good or bad. I just don't know the community. I'm sure it's a very niche thing. Yeah, it is, but it's just like.

[B]

It's a great niche.

[A]

This is what you're banking on, and it's hard. Well, we're sitting at 22,000 hours of debt, and you're like, we have. I have savings to get there. It's his fiance savings.

[B]

We work as a team.

[A]

Yes. How much in savings does she have? And then I'll deduct 20% from it.

[B]

8,000.

[A]

Okay. So it's probably closer to seven. Gotcha.

[B]

Okay. All right. Yeah, sure.

[A]

And that's more important than paying off the $22,000 of debt, which is all bad debt, by the way, not good debt. It is all credit cards.

[B]

It is all bad debt could be worse, but it is all bad.

[A]

Sure, it could be worse. Why does that matter? Who gives a shit?

[B]

Okay, man. Because it could be.

[A]

Are you just getting. Are you just trying to flee your debt? Are you trying to flee your financial situation? Trying to flee. Flee that. You just haven't found the life you want to live here? I'm just. I'm confused. I vibe with the walkable community, things such as yourself.

[B]

Yeah, right. Who doesn't? I mean, clearly a lot of people don't. Paying off the debt is a lot more important. And that could be, you know, that could push back the plan.

[A]

I'm being told you told Colton that your lease ends in five months. And that's when you told me that's when you told him you wanted to move five months. I remember the savings is probably $7,000. That doesn't even come close to paying off half of this debt.

[B]

I just have to be more aggressive with paying out the debt. That means more aggressive on budgeting in.

[A]

Five months when our savings can pay off a third. Make this make sense. It's not making sense.

[B]

Well, like. Like I told you, what she's been saying is that I had to make more money. So.

[A]

Okay, five months. You don't know where you're gonna move. You don't know the visa process and financially, how you're gonna do it. Please explain to me what the. Your plan was, because right now there isn't one. As far as I can see right.

[B]

Now, there's still a whole lot of planning and research to do.

[A]

Five months for international move.

[B]

Yeah.

[A]

Visa?

[B]

Yeah. Okay. I mean, we're looking at going back. We're looking at going back to school. You know, having a student visa creates a lot of options.

[A]

Yeah.

[B]

Yeah.

[A]

Okay. What are you going to go to school for? I feel like we'll lose our income and paying bills for that.

[B]

Well, school can be a lot more affordable overseas than it is in the U.S. yes. That's also why I have A Dream is dead.

[A]

Just a fun fact for you. If something costs a dollar and you make zero, that's still unaffordable. If you're going to school, you're probably not making money. Yes. If you go to school, you're not making money.

[B]

No. Because I'm trying to build a vehicle of passive income.

[A]

Sorry, guys, I forgot about his 2,500 followers.

[B]

Just getting started.

[A]

I don't mean to. Your anticipation of being able to go make this work in 5 months with 2500 followers right now is not a logical thing.

[B]

I mean, even. Even if that doesn't work out, I still have skills that can. That can get me work virtually anywhere right now.

[A]

Pick the country and we'll use that for a conversation. What's the top country we're choosing right now?

[B]

Mexico. She wants to move to Mexico City before you know, the possible.

[A]

You know they hate them. Right.

[B]

To Europe.

[A]

You know, everyone in Mexico City is dramatically protesting that.

[B]

Protesting what?

[A]

Every American moving there. Because it's just like you. You're doing the Nomad, the. What's it called? I don't remember. But you're doing the make the money virtual and price out everyone there. Now, I don't mean I think people should live. Where.

[B]

Yeah.

[A]

I don't know.

[B]

Not everyone should live.

[A]

I mean, if you can. If they allow it, if the country.

[B]

Allows, people would try. Or they can, sure. But that's that's not what I'm advocating for either here.

[A]

But you're doing in there right now. It's very toxic there. They are protesting every American moving there. Well, very interesting compared to like 25 years ago.

[B]

Okay, sure. I mean, it's not my first choice. She wants to, she wants to move.

[A]

We have to pick a place. And you already see the big flaw with it.

[B]

Okay. I mean, we need to work around it at least. We're Latin Americans and we're willing to adapt and appreciate the culture of Mexico and we can live here.

[A]

They do. But the thing is, the big argument is they're bringing in very high incomes for the area right now because Mexico is not a high.

[B]

That's a problem.

[A]

Oh, and use gentrification actually leads to overall positive results for pretty much everyone.

[B]

It could. Yeah. But I recognize the problem in like price gouging in the real estate market and how that affects about price gouging.

[A]

But for those who aren't earning, for those who don't, for those who are on the lower income scale in a community, when an area gets better, prices go up and if they didn't have ownership opportunities, they get pushed out. That is the downside of gentrification.

[B]

That is the downside.

[A]

Yes, there's a bad downside to gentrification, but there's a lot of upside that comes with it that unfortunately people aren't willing to talk about in a nuanced conversation. Yeah, like safety, better restaurants, better food, better everything.

[B]

I don't want to be a part of like taking people out of their homes especially. But you would be okay? I mean, there has to be some way around it. Is there no way that I can find property in Mexico? That.

[A]

So you're going to buy property, you're going to colonize? I'm just using the same logic they use colonize.

[B]

Man, come on.

[A]

They say online, this, this is what.

[B]

This is what people say. Damn. Okay, yeah, I wasn't thinking of it that way, but I don't know.

[A]

You're born in New York.

[B]

I was actually born in Florida.

[A]

I lived.

[B]

I lived in New York for over three years.

[A]

Born in the United States.

[B]

Yeah, I was born in the US.

[A]

They will call you a colonizer, unfortunately.

[B]

I mean, what would they. What, they call me a colonizer in Spain too?

[A]

You think if you buy a property.

[B]

So then what's the difference? I mean, hell, they're trying. I'm not saying they're trying to sell homes in Italy.

[A]

I'm not saying this. I'm pushing back against what you guys are going to try to do.

[B]

Okay, well, it's not going to stop us, man.

[A]

So. Good, then we'll plan for that.

[B]

That's what we gotta do.

[A]

So Mexico, that's easier, more affordable. You need to make a lot less money than you would in Europe.

[B]

For sure. It's closer. That's kind of the main thing. It'll be easier for family to visit us, especially with them being in Florida. Flights are pretty inexpensive to get to Mexico and fast.

[A]

I'm also told you try to be a podcaster and YouTuber in the past, but it did not work.

[B]

I, Yeah, I did YouTube and podcast for man, better part of a year. And I, my problem at that time was that I, I wasn't properly niching down. I didn't exactly find precisely what my community was. And that's why I'm so focused now on automotive, because I feel like I have found a niche in a community that is adopting me pretty quickly. And I have a lot of connections in the industry now as well. Yeah, yeah. I've been seeing a whole lot of opportunity in it. So I'm just, I'm just following that thread.

[A]

Okey dokey. Before we get to these finances real quick.

[B]

Yeah.

[A]

Colton just typed to me, you're hiding purchases from your fiance. You come in talking about how, okay, my fiance, she has some savings. That's how we can kind of do this. Even though it's again, just like a third of your day. You wouldn't be able to wipe out your debt before you guys do the move. But your hiding purchases from her, like.

[B]

Actively hiding, that is a bad habit. I had.

[A]

Habit?

[B]

Yeah. Yeah, yeah.

[A]

Would cheating be considered a bad habit?

[B]

I mean, what was happening was mostly the purchases was that I was, I was eating out a lot. It was mostly like fast food, deli runs, that type of thing. And she, we, we were both very focused on trying to budget more because we have all these different goals with like wanting to move, wanting to, wanting to Trav. We've shared those goals with each other a lot. And I let, I don't know if you want to call it like cravings or my inner child or whatever like that, bro. I'm just, I'm trying to explain what was going through my mind is that I, I, I was eating out, out a lot. I knew she wouldn't approve of it. I was afraid of how she would react, and so I just didn't tell her about it. Eventually, of course, she found out. She was very, very upset. Not even because of how I was spending the money but because what went down.

[A]

But because that happened, what went down?

[B]

I was, I went to sleep early one night because I had to, I had to work early the next morning and prior to that she had been asking me to like have you spent, have you, have you gone out to eat? Or like have you spent money on food this week? And I said no. And she woke me up at like 3am asking me again like did you spend money on food this week?

[A]

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[B]

This is not.

[A]

How long were you guys. How long have you guys been together?

[B]

We're coming up on four years.

[A]

So why the did you lie?

[B]

Why else do people lie other than shame?

[A]

And then how'd that conversation go when she woke you up?

[B]

She was pissed off. I of course was tired and then like just feeling shitty about the whole situation. And.

[A]

And since then.

[B]

Since then I have been honest with her whenever I do spend money, especially on food or anything that I know that would just bother her about never dumb ways, huh?

[A]

You never once.

[B]

Never once like spent money and didn't told her?

[A]

Well, it's not about telling everything. Like more the Hide.

[B]

Hide. No man, I'm not gonna lie. Rather not gonna.

[A]

Yeah.

[B]

Hide or lie like, like, yeah, what I was doing. I would, I, I, I would go get fast food, eat in my car and throw away the trash and receipt so she wouldn't find it. I don't go about things like that anymore. If she asks me, I'll tell her. Sometimes I'll tell her anyway. Even she doesn't ask me because I know she wants to know. And I've also just been making better habits of not eating out. Actually cooking more meals at home, especially lunch and breakfast, going to work. I still do sometimes. You know, it's not perfect, but what's more important is that I'm honest with her because it's important to our relationship as well as finances and health.

[A]

Going on to. It was almost 300 bucks.

[B]

That's. Yeah, man, it was bad at one point.

[A]

That is bad.

[B]

Yeah, yeah, it's. That's what I'm saying.

[A]

Oh, you said you got better.

[B]

I've, I've recently gotten better.

[A]

A week before he came on the show where his finances.

[B]

And the last month. Because you, you have my statements from August. It's. We're in the middle of September or about. We're.

[A]

Oh, come on. Right before coming on the show. That's always the most b. BS Excuse there possibly ever is.

[B]

I mean, even then I was still, I was still packing lunches. I've just gotten better at it. I've even been intermittent fasting lately. Just that way I'm not like, going out for breakfast or like buying coffees.

[A]

I mean, I also have other large purchases of $1,837. I don't know what that's going to do. But that's such a substantial part of your budget. Miscellaneous bullshit alone, about $500. It could be video games. It could be. Who knows?

[B]

There's definitely some bull in there. So, yeah, there's a number of things. Why?

[A]

Why? Why?

[B]

I mean, these are lifestyle choices and habits. What are we.

[A]

I thought the lifestyle choice was to get overseas, though.

[B]

That is, that is the big picture. Yeah. I mean, if, if we're going to do that within that time frame, that means cutting back on a lot of things. That means even more truth.

[A]

Budget. I'll be honest.

[B]

You don't think there's any possible way.

[A]

You have 22,000 hours of debt. How can you.

[B]

I, I.

[A]

Your job. Will your social media job follow you there?

[B]

It can.

[A]

You don't have an answer on that?

[B]

I, No, I don't. I don't think I need one. I've been able to find work pretty quickly doing What I do, you won't.

[A]

Be making American dollars in Mexico. I thought that's what you were attempting to do is keep American income in Mexico.

[B]

That's why I'm building my own brand.

[A]

2500 followers. I'm sorry.

[B]

Okay, but that's, that's still really early developmental stage.

[A]

Exactly. But you're moving in five months.

[B]

Okay, well, what's your follower?

[A]

How many months has it been since you started?

[B]

It's been six months.

[A]

I don't do. I just had an itch in my nose. Six months.

[B]

It's been six months. And the, and the engagement rate and follow rate has gone up since starting. More so in the last two to three months.

[A]

Okay, so let's call it three months then.

[B]

Okay.

[A]

2500 divided by three. Good. So 833 on average or 2500 plus 833. Plus 833. Plus 833. Great. Oh, wait. Plus 833. Plus 832. Good. You'll be at 6500.

[B]

That's enough to at least qualify for brand deals. That's. That's enough to do.

[A]

Your brand deals are going to be like 25 bucks though, I don't think. You know, I'm in this world. I'm in this world.

[B]

I mean. Yeah, you're in it. Yeah. And I respect it. And that's.

[A]

And I'm also in a world where brand deals pay higher because this is money.

[B]

Of course. Yeah.

[A]

Automotive is actually pretty good.

[B]

What? It's pretty good.

[A]

Pretty good, but not as good. And I still know one. It's going to be based on view counts more than followers. And we, I just saw your views. I mean, you're. We're looking at like a thousand or two thousand per reel. Those are very low quality views because they're short. It's short form content.

[B]

I'm starting right now. I'm working with just over 30,000 views.

[A]

You're not going to get brand deals. You're going to be on an affiliate basis.

[B]

That's also. Yeah, I mean there's very.

[A]

No one's going to give you flat rates. You are going to be on.

[B]

I can do both.

[A]

No, no one's going to give you flat rated. Those numbers. You are going to be affiliate, meaning you get a commission on what you try. Do not. There is no try. Of course you're going to try. I'm not talking about what you're trying or not trying.

[B]

Okay.

[A]

I'm talking about what's going to work in five. You're this is an unrealistic plan by every means.

[B]

I mean I, I have to consider various options. I mean right, right now I'm even looking getting a second job so that way I can bring in more.

[A]

I'm talking about in five months.

[B]

Okay, But I, I need, if I can save more money within that, within those five months so that way I can grow savings as well as pay off the debt. I, I have to look at some type of option. You're looking at me like I'm crazy.

[A]

Yes, because listen, you can make a little progress on this in five months, but this does not, this does not answer how the you're gonna live there.

[B]

I mean.

[A]

I don't know.

[B]

There has to be every business in 2025.

[A]

Dude, this is kind of crazy. This is beyond higher than I thought. Beyond higher. Individual aiming for comfortable lifestyle in Mexico City including entertainment, travel, decent housing there. United States, $60 to $85,000 a year.

[B]

Okay.

[A]

That's five to 7,000 hours a month. That's if you keep your current job. Well, you actually. Well yeah, that's if you keep your current job there. But you don't know if you can.

[B]

It doesn't matter because the skills I have there is demand for. Every business in 2025 needs marketing. If you're not marketing on social media, you're going to.

[A]

Hold on, big guy. This is very much service consumer driven economy. I'm not saying Mexico doesn't have one, but America's the top of the world when it comes to that. We'll go into debt for anything. Yeah, marketing, social media manager is more prevalent here than, I mean you got South Korea and Japan.

[B]

I mean, yeah, come on, we're talking.

[A]

A lower income middle inch.

[B]

That's assuming that I have to get a job. Like I have to get like a, you know, 1099 working for another, another company in Mexico maybe.

[A]

Have you looked at the visa work permit processes?

[B]

I mean before this I was doing freelance.

[A]

Have you looked at the visa work permit processes? You don't even know what you can do for Mexico.

[B]

I have not.

[A]

What the are you doing then? USD? The median wage there by the way on a monthly basis is fourteen to fifteen hundred dollars a month. So if you don't take your American job, good the luck.

[B]

Okay. I mean Mexico was one option.

[A]

You said that is your option, your top option that she highly wants to do.

[B]

This is what she wants to do right now.

[A]

What's the second best option?

[B]

Second best option would be the uk.

[A]

Oh, out of all European countries, why'd you have to pick the literal, fastest declining. Come on, dude, it's done. The UK's done. Pick another one. I'm not even gonna allow that as an answer just because it's easier to talk there. Okay. Spain, at least they're already done. They're not going down. Okay. Like, like UK is in the collapse world. Spain. If you're making a higher income, sure, you can go live there. If you keep your higher income, you can live a great life in Spain. It's not an overall great economic situation in Spain in general. If you're going to be going and just working in the economy, though, like.

[B]

I said, really wish you picked one.

[A]

Of the more northern European countries. They're slightly like Poland or Germany.

[B]

I would live in the Netherlands.

[A]

There you go. Netherlands is fine. But even still, I don't. You. I don't think you know your, Your, your options in terms of visa processes and whatnot.

[B]

I should look through a whole lot more.

[A]

If you want to do a big international move in five months, I would say, yeah, you probably should look a little bit more.

[B]

Yeah, I look, I'm moving a lot more. With our experience that we've traveled a lot into these countries. We spent over a month in Europe last year. That's our perspective as far as where we want to be, how we want to live. Do need to look a lot more into the practical logistical stuff.

[A]

Huh? Huh. Honestly, buddy, this sounds like you're just relying on your fiance to me. She has the savings, you have the debt. She's choosing where to go. It sounds like you're just along for the ride and you're relying on her.

[B]

I will say that she's the one that's more financially responsible.

[A]

That's why she's a fan of the show. And she got you to reply, right?

[B]

Yeah. Yeah. Maybe that's why she's also not here. But also she's traveling. So.

[A]

By the way, failure rate for those who move to Spain, 70, 73% come back. Just going to throw that out there.

[B]

That's the story of people that move to Spain and come back to the U.S. huh. Good to know it's not impossible.

[A]

Yep. Leading cause of failure for all expats are often related to lack of preparation while you're doing this in five months and so ever. Yes. And the inability to adapt to new circumstances. Germany, Italy, France, Austria. Oh, cool.

[B]

Yeah, yeah, yeah.

[A]

Very cool. I might be the coolest guy you've ever met.

[B]

I need. I need to explore Eastern Europe a more. She's in Germany right now.

[A]

Yeah. Okay, cool. Well, I guess that was a good way to deflect everything I just said.

[B]

No, I, I, I had no idea that you actually even like been to that side of the world.

[A]

Yes, again, I wouldn't go to start a career in life in many places there. In many places I would.

[B]

Would you give an example?

[A]

Switzerland.

[B]

Switzerland.

[A]

Norway.

[B]

Yeah.

[A]

Poland.

[B]

Yeah. Yeah, Norway seems cool.

[A]

But I'm set up in a way where I probably could. That's not me jerking off. That's I've set myself up. You're hoping that your 2,500 followers turns into $5 affiliate deals in five months.

[B]

Five dollar affiliate deals?

[A]

I don't. You are dramatically overestimating. Ladies and gentlemen of financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to lear more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to Dollarwise.com, click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com let's go.

[B]

Hey, I don't.

[A]

Hey. Okay, pause. Yeah, Pause.

[B]

Sure. Pause What?

[A]

Pause what? Bring in a chair. Brandon, come over here. Guess what? He's the head of brand partnerships at Hammer Media. He negotiates this on a daily basis. We're in the top 10 podcasts on all of YouTube.

[B]

Okay. This is great.

[A]

We're in the top 10 podcasts all the Internet. And he'll tell you how difficult it can be.

[B]

Okay.

[A]

All right, well, you guys know him. You'll love him. He's the translator, he's the degenerate, he's the brand deals manager, he's the post show sitter. He's the fat of fat and fatter. Brandon, he's here. Okay, so he actually does this stuff? Yeah, on a daily basis.

[B]

Okay. Yeah.

[A]

Real Conversation on this. Okay. 2500 out, 2500 followers. He might get up to 6500 in five months on his growth rate. Brand deals. Making a living off of that. Thoughts?

[C]

So we work with a ton of companies.

[B]

Sure. Number.

[C]

Number seven podcast on YouTube.

[B]

Yeah.

[C]

The rankings just came out. Now that we're officially on the podcast.

[A]

Seven. We went from four to seven. We'll go back up. They don't have the best episodes.

[C]

Regardless. One of the biggest podcasts truly in the country.

[B]

Yeah, definitely on the platform. That's great.

[C]

There are companies that I talk to on a daily basis and we are very analytical with the things that we actually put in our media kit in terms of past partnerships.

[B]

Numbers, data.

[C]

We're very data driven.

[A]

Yeah, look at me, I got glasses. Okay.

[C]

Very data driven. There are companies that still will not touch us just because they don't see the vision in it.

[B]

Okay, sure.

[C]

And the size is massive. And we have all the data and the numbers. So when you talk about 2500 followers.

[B]

Yeah.

[A]

With a thousand to 2000 reels of you.

[C]

Yes.

[A]

Reels.

[B]

What do you say that's because of your numbers or because of your niche and audience base?

[A]

Less on that to me. I mean, it's always the hope of a return on investment from a brand deal.

[B]

Of course. Yeah. Okay.

[C]

Yeah, that's exactly what it, that's exactly what it's about. Their goal is, is to, at the minimum, break even.

[B]

Okay.

[C]

Of course you can exceed their expectations and make them a ton of money. We have partners that we have made.

[B]

A ton of money. Yeah.

[C]

When you're getting a thousand views per reel, let's say that you even put something small on there or even your story. What's like an average story view for you?

[B]

Average store? What? Like, like you post something on your Instagram.

[A]

Story guy.

[C]

Social media guy.

[B]

Come on. Story views, my stories. I'm getting like 50 views.

[C]

Okay.

[B]

Yeah. Still pretty low right now.

[C]

Most companies are going to have you do like a three story click on your Instagram story and they're gonna have you do some sort of tick tock integration. Some sort of YouTube integration. Your YouTube's not big enough. I don't think your tick tock's big enough.

[A]

I don't think he has them.

[B]

I, I actually haven't been focusing on that yet.

[A]

Those are the ones that make money, by the way. Just gonna throw that out.

[B]

YouTube. I mean, yeah, I, I, when I started doing like any type of content creation, I started with YouTube. I, like, I said I did that for about A year.

[A]

And yeah, so he might get affiliates. The affiliates that everyone can sign up for.

[B]

Yes.

[C]

These aren't ground changing, earth shattering affiliates. These are just. Anybody can sign up for this.

[B]

Okay.

[C]

And you'd be lucky to get, you know, five, ten, maybe 15 bucks out of an affiliate deal. But if you're getting 50 views on.

[B]

Your story per average, I think he's.

[A]

On his way to make about 50 to 100amonth.

[C]

If you're lucky, I think that's.

[A]

Your income is 50 to 100amonth.

[B]

See, my problem is that I did freelance videography for about five years and my. I was able to make income by offering my services to local businesses as well.

[A]

Well, sure. Yeah. Great. Good grind.

[B]

And that's good.

[A]

But remember, it's going to pay dramatically less in Mexico.

[B]

Okay, sure. So then I need to have more clients as well as I need to keep on expanding.

[A]

Sure, I guess you can work 24 hours a day, 7 days, 365 days a year. You gotta hustle, try to make up for it. Yes, but it's still not going to equate to the same amount. Especially in an expensive city like Mexico City.

[B]

I don't know, man. I'm not taking this discouragement right now.

[A]

No, we're not here to discourage you. We're here in the real world because you're about to blow up your life in five months.

[C]

I will tell you something.

[B]

Sure.

[C]

There's a creator that I know because I'm very much in this world a creator with 50, 000 followers on Instagram, which is not a lot in the creator world. Like if that is your job and that is your prime source of income, it's still not a massive following.

[A]

We almost have a million on Instagram. We don't do Instagram deals. But what have we been offered?

[C]

Do you want me to disclose those numbers?

[A]

We can either cut it or not. You can.

[C]

Like when I sell something on your Instagram or something on your TikTok, it's.

[B]

Like a lot of money for like one post. That's juicy for like, for like one post.

[C]

And we've done it before, we've done it a lot. But there's a, there's a influencer that I know that has 50,000. They were lucky enough that a company was willing to take the gamble on them for $2500.

[A]

And that's one time.

[C]

That was one time. That's at 50,000, getting, you know, a couple hundred thousand views on their reels. But, but at 2, at 2500 followers and 50 views on a story. I mean, buddy, those are.

[A]

Sounds like follower views is about a billion trillion smackaroos by the math. You said. So you will be at.

[B]

I, I can recognize that right now. The numbers are pretty low. It's going to take some time. It's going to take a lot of work. Five months is not a lot of time.

[A]

Yeah, your.

[B]

Your brand deal will be 104 to performance levels.

[A]

$104.

[B]

If it means. If it means having to live a whole lot more simple.

[A]

It's not just about living simple. Mexico City isn't simple.

[B]

Okay, what do you mean? Like in.

[A]

We just pulled up the numbers of what it takes to live there.

[B]

Okay. Yeah, it's. It's like similar to what I'm. How I'm living right now.

[A]

I'm trying to make you not blow up your entire life.

[B]

Okay.

[A]

This isn't about discouraging you. You might be able to build this up. Yeah, but not in the way that you are thinking in the time frame you are allowing yourself.

[B]

So I need to give myself more.

[A]

Time as a starter and pay off your debt first and have a fully funded emergency fund before you even consider this and even understand the visa and work permit processes.

[B]

That's, that's, that's definitely one thing I really need to prioritize.

[A]

Oh yeah. In five months. Oh, actually, never mind. I got the answer. Hey, Brandon, guess what? I got the answer of how he's actually doing it. Okay, good. He borrows money from mom and dad currently. Oh, and the in laws currently.

[B]

I did that one.

[A]

Great, great, great.

[B]

And when did I borrow money from my in laws?

[A]

I don't know. This is what I got.

[B]

No, no, no, no, no. I didn't borrow money from them.

[A]

The car.

[B]

When we initially. My parents helped me with. With money when we were moving from New York as well as when I bought a car.

[A]

And now you're moving in even more expensive move.

[B]

It will be a pretty expensive move given that it is international.

[A]

Yes, that's what I'm saying. And you had to borrow to move in national, local?

[B]

A little bit, Yeah. I borrowed $1,000.

[A]

It's borrowing money. It's just showing that you cannot do it yourself.

[B]

I mean, that's why I'm in this situation now that I, I'm over $20,000. A lot of money.

[A]

Yeah, no one's combating that. I'm saying you're trying to do this again, but more expensive in five months. But you have less money than before.

[B]

Okay, So I need to make more Money and I might need to give myself more time.

[A]

Dude, if we were on a two to three year track, yes, I would say make more money. You're talking about doing this in a of couple a like a quarter and a half.

[B]

Okay, we can't have the conversation about like if it. This would be like a year, two years.

[A]

Of course we could. But you said you're doing it in five.

[B]

That's you and your fiance are expecting that would be ideal. That's when our lease is ending. So when. When that happens, it's either that we resign and we have to give give ourselves a whole other year or, you know, this starts a whole other conversation.

[A]

Okay. All right, Brian, we'll send you away the situation.

[B]

Thank you for your time.

[C]

Absolutely, buddy.

[A]

But let's get into these numbers. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best, 1.8. Okay, that's not how that works. But that's okay if you want the.

[B]

Score that you gave me already, Caleb.

[A]

Oh, the website. Well, it rounds up to two. Okay, so you're a two. Oh, okay.

[B]

Maybe we'll see if maybe it might be a 1.

[A]

If you want that score, take the assessment for [e-mail]. figure out where you are in the world of money, where you can do better, where you're already doing great, where you need to improve, all that good stuff. It is [e-mail] and make sure you sign up for my favorite budgeting app. Financial audit is powered by dollar wise. All you got to do is sign up for the free trial and if you like it, take the annual version to save a lot of money. And I will send you my Cut my. And I will send you my. And I will send you what the. And I'll send you the budget. And I'll send you my budget friendly cookbook signed by me, mailed directly to you. Check that out. It's fun. Dollarwise.com to learn more. By the way, I will say this. If anyone's ever had dollar wise out there and you had issues, fair enough. We had outside contractors. They sucked. We fired them. I built an internal team and the day before I filmed this episode, which is many weeks before you see this, we launched 4.0 and every single bug anyone has ever been complained about has been completely fixed. And the app is now top of the market. Go check it out. It's very exciting.

[B]

I love the entrepreneur team.

[A]

Huh?

[B]

I don't know if you ever like compared dollar wise to rocket money.

[A]

Yeah, believe it or not, my business internal team that I've spent hundreds of thousands of dollars to build out does product market research. Okay, sounds great.

[B]

Just try it out. I've been using rocket money. I hope it's better.

[A]

Yes, much less cluttered. Much easier to use. Yes, yes, yes.

[B]

Sounds great. Sounds great.

[A]

Okay, big guy Venture, what is going on?

[B]

Like, what are we spending it on?

[A]

What's going on with the card? I don't know, buddy. You tell me. I don't know you.

[B]

Okay. All right. The card is my current highest balance. It's mainly been used for travel.

[A]

Why? Why are you traveling so much? Is that your influencer?

[B]

That's part of it. That's also.

[A]

You're doing cars.

[B]

Okay. My fiance and I love to travel, but that's not influencer. Well, I. I think she can be a travel influencer.

[A]

Is she trying to be she, then you.

[B]

She. We've. We've had conversations about her being a travel vlogger. She's a great writer and we.

[A]

Vlogging. It's 20, 2018, 2017.

[B]

YouTube, having a travel blog. She's a writer. She's a writer.

[A]

Okay. We're going back to 2008.

[B]

People subscribe to Substack.

[A]

Yes, People subscribe to Substack. Hey, maybe if she's lucky, she'll get $100 in affiliates too.

[B]

That could be great.

[A]

Sorry.

[B]

We can work as a team.

[A]

I'm sorry. Just. It's just like where you guys are trying to. I want. I would love everyone that wants to be a creator to be a creator. I cheer for it. You're just going in such a optimistic worldview way that's unrealistic and unintentional with what you're trying to do.

[B]

I mean, how else are we supposed to look at it? We need to be at least a little bit delusional to even go for the dream, right?

[A]

No, you gotta lock down, put real list of goals and grind, grind, grind to get to every goal along the way to get to the goal.

[B]

I think there's a balance like, oh.

[A]

That'S going to happen.

[B]

You need to. We talked about bloggers.

[A]

Let's be honest. Your bank saving account is probably doing less than your expired gym membership. The national average saving rate is like 0.39% APY. That is basically your money taking a nap. But with today's sponsor Chime, you can earn 3.75% APY on a high yield savings account. That is over nine times the national average. And let's break that down $5,000 in a regular savings account might get you 20 bucks in interest a year. With Chime, it's close to $188. That's enough for noise canceling headphones or two tanks of gas, depending on how things are going. And unlike traditional banks, Chime doesn't hit you with monthly fees. There's no minimum balance, and the whole signup process takes less than two minutes. I'd use this to build an emergency fund or start saving for that vacation to Iceland. And right now, you can get up to $350 with a new Chime checking account when you sign [e-mail] caleb club just to try it out. So go to the link in the description box or scan the QR code on screen, sign up in two minutes and start earning that sweet 3.75 APY with chimes high yield savings account today. Okay, so this is your everyday travel card. Wonderful.

[B]

Yeah, that's what. We mainly missed, the payment you were behind. So I.

[A]

Minimum monthly payments, $256.

[B]

I can explain.

[A]

We have a balance of $7,879.62 with interest charging of $186.67. Yeah, go ahead and explain it.

[B]

So, yeah, the situation sucks. I was looking into options to save money on interest. I wanted to look at potential, see what qualify for. Okay, first of all, this has been a huge investment for our. For our knowledge.

[A]

Oh, my.

[B]

Dude, I don't have any student loan debt. So instead, What I. And even. Yeah. Yeah.

[A]

Oh, no, guys. He doesn't have a 4% subsidized federal student loan with lots of protections to get a return on investment from his degree. Instead, he has 30 credit card debt.

[B]

Okay, what. All right.

[A]

What are you bragging about?

[B]

I'm bragging about the fact that, like, at least, I mean, I don't know, I can go bankrupt and I still wouldn't be stuck with that debt.

[A]

Student loans is so forgiving.

[B]

Federal. It would have been a lot more money. People are. People are.

[A]

Do you think what I would have suggested is go to college for four years and borrow whatever it takes to get whatever degree you want or travel to anywhere you want and put it all on credit cards. Do you think those are the two options I would have provided?

[B]

I.

[A]

Why are you. Why are you options?

[B]

I'm not. Okay, it's because I'm saying that it was an investment on knowledge. Knowledge.

[A]

What knowledge did you get? Well, the wheels go up this far into takeoff.

[B]

It's. I mean, a lot of people don't get the experience of traveling the world. Yeah.

[A]

What's your knowledge? What did you gain that you're able to apply for a higher income making definitely probably just about the median in Miami. I think so you have not applied that.

[B]

Look, I think that the experience we've got traveling. The experience sure is very. Is very valuable and yeah, I think it's valuable in which way and how.

[A]

In terms of fun memories. Sure.

[B]

And how we want to live the rest of our lives, bro. And that's not going to be here. I don't want to raise my kids in the suburbs.

[A]

Then move to not the suburbs. You can be downtown Austin, you can be downtown Miami. You can be New York.

[B]

You can be New York is the closest thing it is.

[A]

Chicago's pretty good too. San Francisco.

[B]

I love Chicago. Yeah, I spent some time there too love Chicago.

[A]

San Francisco's walkable. Portland's very walkable. Many parts of Seattle are walkable. I'm not not saying we don't have it. I'm not saying it's perfect and I much different.

[B]

It's definitely not. Yeah yeah.

[A]

I much prefer how communities are built in Europe. I do agree. They're much more human focused.

[B]

Yeah. So that's the value.

[A]

But you said you were getting education and a lot of shit from what you talking about in terms of dude, drop your little person down in Google Maps and you can tell somewhere is walkable. You don't need to be traveling the.

[B]

Same as actually going there and experience not the same.

[A]

But you can tell what is walkable.

[B]

And what's culturing yourself.

[A]

No, but you culturing yourself. But you're saying you're you're getting all this value, all this education. You were trying to conflate it with borrowing for student loans but you learned someone was walkable. Woo. And they spoke a different language. Yippee. Great buddy. You could have figured out where you wanted to move relatively with some decent research and then practice going to one place if that was the highest research place that lined with what you wanted to do. I don't know.

[B]

I'm glad you're excusing and coping with.

[A]

You wanting to see the world with getting a ton of value from it. You had fun. You had good memories. I'm not discounting that. But you're trying to conflate it with something so much more you're trying to justify and cope the out of this. I why'd you move from New York then by the way? If that's what you want. Because that's where you would want to be.

[B]

Well, we wanted to spend some time closer to family because we know we want to. We've known for some time now that we want to move out of the country.

[A]

Three.

[B]

Maybe New York. Yeah. I mean, yeah. But I'm still seeing family a whole lot more often now that I'm in Florida rather than being in New York. And so we want to move further away.

[A]

Tells me Europe is far.

[B]

Yeah. So that was the point. That's the point, if you're going to listen to me for a second, is that we decided to move to Florida for some time so we can get some time with family before we decide, hey, we're gonna move to another side of the world. We're not gonna have the same level of access, but why not back to.

[A]

New York then.

[B]

I would.

[A]

I'm moving to New York.

[B]

That's great. I'm so excited, guys. Yeah, I heard about that.

[A]

That's not for the taxes or finance, let me tell you.

[B]

People believe that.

[A]

Always ask about that. It's literally just the walkability.

[B]

Yeah, I bet it'll be for the lifestyle, which is the lifestyle. I think it's worth it.

[A]

Yeah. When people value that. Some people don't.

[B]

Some people, yeah. But I, I, it's okay.

[A]

It doesn't matter. Why not go back there? Cuz at least you could do what you're doing here.

[B]

I, man, I would consider moving back to New York. I felt, I felt like if we didn't leave New York, we were never going to. I think that's what's going to happen.

[A]

You know, the education they did, by the way, in order to figure out what walkable city they wanted to move to. A 34 day backpacking trip in northern Africa.

[B]

Well, you're talking about when we went to Morocco.

[A]

Yes, that is in northern Africa.

[B]

Yeah. Well, yeah, we went to, we were in Morocco. We went to Paris.

[A]

You were considering moving to Morocco.

[B]

I'm not considering moving to Morocco.

[A]

Then why'd we go there? I thought this was the entire point. This was. You're trying to justify. It was a part of you having fun and blowing money you didn't have. And that's all it is.

[B]

We wanted to.

[A]

You learned that some cities can have all their buildings be blue.

[B]

Yippee. Okay. I mean, it's cool. Okay. This could also be very good experience. If we're, if she wants to be a travel blogger. This is, you know, investing into.

[A]

How much did the Moroccan trip cost in Morocco?

[B]

I mean, you want the price for the whole trip altogether.

[A]

How much was the Trip.

[B]

The whole trip. It was. It was around 8,000.

[A]

Good. So with her travel vlogging with the commission, she's likely gonna get similar to you. 8,000. Let's see here. Okay. She needs to get about 80 sponsorships. If she's averaging a couple a month, you know, we're talking like, three and a half years just to make that up. And I'm sure in order to do the blog, she's gonna need to travel quite a few more times in that time period.

[B]

Okay, sure. This is also assuming very small performance numbers.

[A]

Oh, my gosh. You guys are getting married. And I know people like you travel. You probably need, like, a dream wedding. Destination. Dream honeymoon, too.

[B]

We want to have a small wedding, but we do want to have somewhere. Our destination wedding. Yeah. Yeah, you guessed it.

[A]

Yeah, I sure did.

[B]

Yeah.

[A]

And where is that gonna be? Do you know?

[B]

Probably Morocco or Portugal. Yeah.

[A]

Are they gonna be happy seeing her ankles?

[B]

She'll be wearing a dress. Also, it would be in a private location. Have you been to Morocco?

[A]

No. One of my employees is from there, though, so we love to joke about Morocco.

[B]

Oh, that's funny. It's a great place, man. You should check it out.

[A]

No, it's good. I actually really want to go.

[B]

Yeah, you should.

[A]

I make fun of jokes of all cultures. As an mean. I hate the culture. I make fun of Americans, too. We don't think I'm racist against Moroccans. I make fun of everyone. That's the fun of living in this world. Dang. Oh, gr. You just came back from Columbia for a wedding. No, didn't.

[B]

We were in Colombia earlier this year for a wedding. Yeah.

[A]

What the. Are we.

[B]

Yeah, her cousin was getting married.

[A]

You have. There's your cope for doing all these things are insane. All right. Capital venture. Yes. Total fees, $109. We've been late plenty of times this year so far on this.

[B]

Yeah, I was.

[A]

We're over the limit by 879.

[B]

I was trying to enlist the help of a credit consolidation agency.

[A]

Why would you do that?

[B]

Yeah, it was kind of dumb.

[A]

I agree. Why.

[B]

That was. That was dumb. I was. Like I said, I was looking for options to save money on interest. Trying to see where I can pull money from or. What were my options as far as, like, what I can qualify to borrow?

[A]

Why not make your payments while you're still doing that?

[B]

So that. That's what was sketchy about this whole.

[A]

They wanted to go to collections and they would negotiate collections.

[B]

Exactly. Yeah.

[A]

I don't like it if your credit.

[B]

But I. I didn't like it either. And that's. So that's why I stopped and pulled out the money.

[A]

Depending on what situation you're in, you're just not in that situation.

[B]

I. I don't think so.

[A]

Four credit cards.

[B]

Yeah, exactly. Yeah. So that, that's why I stopped doing that. I pulled out the money that in their account and immediately put that to those cards. But it wasn't much. It was only seventeen hundred dollars. Did that for.

[A]

I'll put the normal monthly payment about 1:25. Because obviously you have to catch up with the 1,256.

[B]

Oh, yeah.

[A]

It's crazy. $40. The late fee. So you've had. Okay, three late fees this year so far. Probably just about. It's insane just on that card alone. And you're right. I mean, I don't see any spending on this because you were traveling your dick off. But it's well above the credit limit now, so I wouldn't be able to see any spending on this.

[B]

Haven't used it in a while.

[A]

You can't.

[B]

I can't. Yeah. I haven't been able to.

[A]

This is what we got. Once they got together, they're just endlessly traveling. At least a dozen cities in a few countries. Constantly going to Puerto Rico's aunt's wedding cost $2,000. Dominican Republic for a week to see family, $2,000. Went to California for a week, 2,000 hours. Went cruise from Barcelona to Italy and what is it? Ibiza.

[B]

Yeah.

[A]

Visa $6,000.

[B]

Oh, yeah.

[A]

Chicago. 34. Day trip across north northern Africa and Europe. Croatia, Rome, Florence, Milan, Barcelona, Morocco, Portugal, London, Paris. 8. $500.

[B]

We've lost a content.

[A]

Went to the proposal. Spending all their money in the world. The inner dream destination back to Morocco. Oh my goodness. And then we're gonna go on a nice little honeymoon. I want you to travel. I want you to do all these things. I want everyone to do these things. Don't think I'm evil saying I'm not wanting you to do it. I want you to do in a financially healthy place.

[B]

So you don't.

[A]

Your entire life.

[B]

Yeah, it's. It's in a pretty bad situation right now. And that's a big part of the reason.

[A]

I mean, your credit score is 513.

[B]

It's pretty bad. It's the lowest.

[A]

Pretty bad. That's insane. That's one of the. That's. That's like on the bad, bad, bad. Yeah.

[B]

And it's not even really dropped that low within the last year or two.

[A]

Okay. Yes, because you're over. Max out.

[B]

Yeah.

[A]

I'll let you use the fizz card. It's a credit debit card. It's a debit card that builds credit. I'll see if they actually even let you have it. I'm sure they will, but what the. I also get. If you ever have to switch careers when you move somewhere, I'll get you a course career certification. A lot of people in our audience and our guests have done it, and they've boosted their resumes and their income a lot.

[B]

So what is it?

[A]

Those just. It's a certification in whatever field you want. A lot of them focus on trades or tech for course careers. But it's free for you.

[B]

You.

[A]

Because you're a guest on the show. Thanks to that.

[B]

All right, well, I. I have a few certifications, but it'd be great to get more. Yeah.

[A]

Discover it. Tell me what's going on.

[B]

So the discover card, what was I using? I mean, I. I will say one thing. I had a bit of a failing business, so I was.

[A]

Tell me.

[B]

Tell me all about it. So I was.

[A]

Because this will be very important to know as you're talking about scaling this new business.

[B]

Yeah, yeah. So I started reselling sneakers back right before COVID and I was getting some profit there.

[A]

Oh, yeah?

[B]

Yeah. And of course, I was also just kind of buying some sneakers from my own collection, like. Like the ones I'm wearing today.

[A]

Oh, good.

[B]

You look like that's. No, they don't. You just don't have tastes. You drive a Tesla anyway.

[A]

Yeah. Does that even mean.

[B]

It means that you're a normie.

[A]

It's a car you could never afford.

[B]

I wouldn't want that car.

[A]

But you could never afford it.

[B]

I'm sure I could eventually afford it. Not today, not tomorrow, not the track.

[A]

You'Re going on, big guy.

[B]

All right, man. I'm 26. I got a whole lot of debt times four. Got a whole lot of life ahead of me and a lot of abilities to learn and adapt in skills that I'm already learning.

[A]

Like you did going to Morocco.

[B]

Yeah, man. I picked up a little bit of Arabic.

[A]

Great. Now you can do customer service. I don't know, like, what do you want? What am I supposed to do?

[B]

No, but anyway, so I was reselling sneakers. I decided I also wanted to start a clothing brand like every Gen Z person decides to do. So I, you know, I took my graphic design skills, built it up a little bit more, and, you know, invested in some inventory and a website and pop ups. I was in New York City, so I was popping up in various parts of the city selling clothes and stuff.

[A]

Definitely not a competitive clothes market at all in New York.

[B]

Yeah. No, I mean, people buy, but people also sell, so.

[A]

No. Did you. What. What was the failing business? You. You brought up this card. Failing business? Are you. You went into debt for the business?

[B]

I went into debt for the business.

[A]

There it is. Okay, so you never made an actual money net?

[B]

No, no.

[A]

Or.

[B]

Or at least how long were you.

[A]

Trying to do this? Just like he's trying to do his current thing.

[B]

That. That wasn't long. Maybe six to eight months.

[A]

How much debt did you go into for six to eight months of this?

[B]

I mean, just. That was at least $2,000.

[A]

Dude, I just don't want. Why did you go into debt for it instead of. Try to close instead of cash flow it.

[B]

That's a good question. It was a matter of me investing into a product I had to have made overseas because it was actually cheaper to do that rather than having it made in New York for obvious reasons. I was mainly making products that were just made to order, so I didn't have to invest into any inventory. I was doing that for a while, and I got a couple sales, but I didn't like what I was ever.

[A]

Taking an entrepreneur class.

[B]

I actually did study some entrepreneurship when I was in college.

[A]

I knew he took one of the bowl. Oh, in college. Okay.

[B]

Yeah, in college. No, no, I didn't buy a course. Entrepreneurship.

[A]

Okay. Because most of them are. We have educational products, but at least they're top rated.

[B]

I don't trust buying courses. I've almost.

[A]

There are some good ones out there. It's just like 95 sucks.

[B]

Yeah, no, a lot of them suck. So I just kind of avoid and kind of mostly opt for, you know, YouTube university and try to keep up with.

[A]

So lots of. To sort through.

[B]

Oh, of course. Yeah, Definitely. Still a lot.

[A]

But you still buy sneakers and do all this?

[B]

I haven't. No. I haven't done that in a while. Okay.

[A]

Colton's telling me he still buys sneakers.

[B]

I mean. Well, I mean, the last pair of sneakers I bought was over a year ago. Okay, I see. I spent like, I spent 400 bucks on them. There were Jordans for me and her matching pairs, but yeah, that was over a year ago.

[A]

How romantic. Okay. $5,863 and 60 cents. Yeah. And 60 cents on the Discover it card. 96 of interest accruing, and 55 cents minimum payment. 118, 23 years to pay this off, by the way, if you do minimum three payments only without purchasing. But guess what? Oh, we purchase. Oh baby, we purchase. $80 and 4 cents a purchase. And are we purchasing on a card when we have other cards maxed out and it takes your entire lifetime so far essentially to pay it off?

[B]

I mean, I definitely avoid using that card whenever I can.

[A]

Which is why he spent $80 on it. Uhhuh.

[B]

Yeah. I mean, I must have.

[A]

That's your avoid because the other one was incapable to spend on. Cuz you pushed it well beyond max. So you had to spend it on this.

[B]

No.

[A]

Is that what avoiding is?

[B]

It's that I use my debit card to pay for things now because I can't my. I can't use my credit cards. And if I run out of money and I. And I need things like gas for my car.

[A]

Okay, payroll is $3,404 that came in last month. How much did you spend? Now this includes some. Includes some interest going up because that adds to the credit card balances. But how much went out? We know inflow.

[B]

How much was outflow In August I spent over $2,200. In July I spent over.

[A]

Okay, full, full outflow in the month that we're looking at was $4,436.

[B]

That had to have been in June or July.

[A]

Whatever month we're looking at, big guy.

[B]

Yeah.

[A]

This credit card statement is showing July through August. It's half July, half August.

[B]

Okay. Yeah. Yeah. Okay.

[A]

Yeah. Okay.

[B]

Wasn't June okay? Yeah, July, July. Yeah, I spent some money.

[A]

July and August.

[B]

July and August.

[A]

Spend some money. What was. I spent some money.

[B]

I spent some money on what?

[A]

Delaying the thing you want to do in five months or six months from now.

[B]

What did I spend money on in that time?

[A]

What did you spend money on in that time? I mean, let's find out. You got some gas, you got some parking. You got some parking. And then you spend 31.80 at Graphica Sauna.

[B]

What?

[A]

Graphic Asana side graphic Asana graphics. That's travel entertainment, business of some kind. Graphic Asana 31.80.

[B]

I'll be honest, I don't.

[A]

You had four purchases on this card. Gas, two parking, and then this. And you don't know what this is after four purchases?

[B]

I can't.

[A]

$31.80.

[B]

How much?

[A]

$30.81. $31.80.

[B]

$30.81. What? What day?

[A]

The third of last month.

[B]

The third of last month. $30.31.80.

[A]

Huh? Oh yeah.

[B]

Had to have been something, guys.

[A]

By the way, we've had approximately four late fees on this card this year so far.

[B]

This is still the Venture card.

[A]

Discover it.

[B]

Discover it. I've had that many late fees on that card.

[A]

Oh, you sure have, big guy. Oh, you sure have. Yeah.

[B]

I did not expect that for that card. Oh, I knew for the Venture.

[A]

Oh sure.

[B]

And the. And the other Capital One card, but not that one.

[A]

Oh, good, there's more coming. One. Wonderful. Sure did.

[B]

I can't recall exactly what that was. I know in, in August and really just in general, we've been driving a lot back and forth to Tampa because that's where my parents live. And when we do that, we spend a lot of money on gas. We might buy a gift. So I can't recall exactly what that was, but it could have had something to do with that.

[A]

What ethnicity are you? Because I thought you, you. You. You made a. I thought you said you're like Arabic earlier, but then you said you're.

[B]

No, I'm not. No. People mistake it. Mistake me for being Arabic. I'm Hispanic. My parents are Dominican.

[A]

Oh, okay. 20 interest rate on this thing, buddy. Almost 700 in interest this year so far. On this card alone.

[B]

It's pretty bad.

[A]

Was it on the last card? On the last card it was this year alone 1200. So now we're up to $2000 this year so far on interest this year so far.

[B]

This is why I was looking into options to save money on interest.

[A]

But it's not about that because you would have it if you consolidated. If you consolidated, big guy. Not the defer like forgetting this. If you did a consolidation loan, given access to more money to spend on these cards without changing your behavior first, you would have racked it up again.

[B]

Well, that's why I'm trying to change my behavior now.

[A]

I know. I'm just saying I'm glad you didn't because you would have it.

[B]

Yeah, I trying changing your behavior now.

[A]

We'll see. I mean a week before coming on the show doesn't really count to me, but yes, yes. Okay. With your fiance even. She's the one with money. What's your guys relationship with money? With each other? We already know what you like that hitting thing. But beyond that, what is this relationship looking like financially?

[B]

I mean, I'm not sure how to explain it. Aside from I. I've really been the one that would do a lot more spending between. Like wanting to take her out but also spending money on myself where she's been a whole Lot better about budgeting, saving.

[A]

Okay, yeah. How's that gonna link up when it comes to marriage? If you want to land a high paying job but don't have experience or a degree, then you need to learn about course career. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H Vac, supply chain and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job. Was starting from scratch. Click the link below to sign up for one of their free courses today.

[B]

That I need to change my habits. That I. I need to, I need to.

[A]

What happens? What has she gotten pissed about?

[B]

The other thing was that when I got my current job, it's pretty far from where we live in Miami. So I needed to get a car and the dealership was offering me a pretty good deal.

[A]

The dealership you worked for?

[B]

Yeah.

[A]

You got a good deal? Oh, you got sold by the sales?

[B]

Yeah, basically they were giving me a trade in car.

[A]

You damn marketed yourself. All right, keep going. Tell me about it.

[B]

It was still a bad idea because I was giving myself a car payment. I. I was desperate. I wanted to get a car. I had been taking the bus for a month at that point.

[A]

Taking Uber, you can do another month and save up. Walkable city guy. You're supposed to love public transit.

[B]

I got impatient. Yeah, but the public transit in Miami is.

[A]

Yeah, but they got things that other cities don't have. Still.

[B]

Sure. I was getting fed up with it. I was already looking into options for buying a car and this seemed like a better option. So my parents and her helped me put together the down payment on the car.

[A]

What does that mean?

[B]

It means that I didn't have enough Money to put the down payment on the car myself.

[A]

They came together and pulled money together for you?

[B]

They pulled money for me to get the down payment on the car. We put 3,000 down in the car and I was handling the payments. The insurance, the gas in the car. I was paying it for a couple months, but it was a lot of money. Like the car payment was about 350. Insurance was like another over 200. Car wasn't great on gas, it was an SUV. So I was paying well over like 700amonth on this car. And, and she, I mean she, she didn't like the idea of getting that car in the first place.

[A]

Did you?

[B]

I, I, she's the one that at.

[A]

Least knows what she's doing.

[B]

Yeah, I, I wanted to get a car. I was convincing her that it didn't look like there were many other cars at this quality, like, at this quality.

[A]

Why the do you care about. Dude, you're just trying to get.

[B]

No, I'm talking about like the mileage on it. There's gonna be like a reliable car that it wasn't going to cost.

[A]

How much was it?

[B]

What, the miles or the, how much was the car? The car was 12,500.

[A]

It's not the worst. Why was she so vehemently against it? Because that's about where I would have advocated for. I would have tried to get closer to about 10.

[B]

Yeah. But it wasn't an outrageous amount of.

[A]

Well, there was the fact that you should have.

[B]

It was more than what I could afford.

[A]

It was more than you could afford, which is why you should have been doing public transportation for another month. Saved up some money. Give me another two months. Saves up some money. You put a chunky down payment down on it about 20%.

[B]

The problem too is that I still had a car payment and the insurance was high on because it was a luxury car. I didn't necessarily want to buy a luxury car, but it was more expensive to buy. Did you guys fight about Japanese car? A bit. I mean, wasn't like one of the worst fights, but it was, it was difficult to, yeah. Come to a compromise about it. And even after buying the car, she was happy that we got it, but she was still unhappy about the financial situation behind it. That I wasn't able to pay for it upfront. I wasn't able to pay.

[A]

Is she not embarrassed on behalf of like. Well, I guess herself to her parents. Her parents. Come on, you're going to be their son in law. Yeah, look what they had to do.

[B]

Well, it wasn't her parents. It was my parents that helped pay.

[A]

But they've stepped in, right?

[B]

They. They have. They haven't. Not with money. They have helped us in the sense that. That when we first moved to Miami, we were living with them for a few months before we found our place. So we. So yeah, the four of us were living.

[A]

You're not embarrassed to your parents that they had to work with their future step.

[B]

I am embarrassed about that. I didn't want. I initially didn't want to move into them, but move in with them. But we decided we were gonna live with them for a few months, save up money and get our own place, and we were able to do that. That's. That was a win.

[A]

Yeah, it's a win.

[B]

Yeah.

[A]

Were you guys in a position where you should have yet? Because it's okay to be at home for a second while you're getting yourself on your feet. It's better to set yourself up for success as long as you're not being enabled. I mean, I'm only against it when people are enabled.

[B]

Sure. I mean, we haven't fell back on rent at any point. We've been able to handle the housing situation just fine. As far as bills and utilities, I. I actually do cover some of that. We split rent in half. Half. And I typically will pay for Internet and. How big is your apartment and electric? We share, like, a decent size studio apartment, about 700 square feet. Yeah, yeah. So studio apartment. We pay 1800amonth.

[A]

And if you just got engaged, by the way, that probably means you got a ring.

[B]

I did get a ring. It's. It's a funny situation with the ring. So the first.

[A]

Hilarious.

[B]

I. I got. I got her a ring for the engagement. And it was what I could afford at the time. It was like just $300. Maybe $350. It wasn't like a crazy ring. I got her something different that she would appreciate. Just got her like a gold band. And I wanted to get her an emerald because she's Colombian and that's where emeralds are from.

[A]

Okay.

[B]

And she wanted something different. But I knew I eventually wanted to upgrade her ring.

[A]

It's like an iPhone. Okay.

[B]

I should tell her that her grand.

[A]

Is that gonna cost?

[B]

What, the new ring? Yeah, the new ring is valued close to 8,000. Oh, me, dude, no, but look, it's. It's not. It's in the family already. It belongs to the grandmother. Her grandmother has the ring. She's had it for a long time.

[A]

Is she be alive?

[B]

She's alive.

[A]

Are we waiting for her to not be.

[B]

No, we're going to give her money in parts.

[A]

Is that her wedding ring?

[B]

No, her grandmother is not married anymore, and this is not.

[A]

But was it her wedding?

[B]

No, No, I don't think so. So she would have told me, I think. No, she's.

[A]

So she's down for this?

[B]

She's down for this.

[A]

How much are you gonna pay?

[B]

I certainly.

[A]

That's just charging you. But.

[B]

So, I mean, she. She's. She doesn't want to pay me the full price. She wants some money up front because she's also going on a trip.

[A]

To heaven or hell.

[B]

No, she's doing great, man.

[A]

I'm kidding.

[B]

No, I want to pay her $800 up front by the end of this month. And how are you vetting that into.

[A]

Where you spend more than you make? That doesn't make any sense. You're behind on two credit card payments. One that we're about to talk about. About.

[B]

Well, in the last.

[A]

How do you do that in the last month? Oh, I spent. I have until mid last month. These statements go through mid last month, Dick.

[B]

Well. Well, Dick, I've been doing my own budgeting, too, and I. I don't trust.

[A]

Your budget, and you're not a reliable source. Look at the financial situation you got yourself, and that means nothing.

[B]

Okay, all right. Sure. Yeah.

[A]

We literally have your documents, and we put it into a spreadsheet and we got all the numbers. Spend hours on it. I don't care what. Your budgeting is done.

[B]

Okay. All right.

[A]

Who knows what you've linked and not linked. Okay. Capital One. So we got to get 800 by the end of this month. How much do you owe after that? Because you said down.

[B]

Yeah. So after that, I mean, she didn't give me an exact number. I think she was talking about somewhere around 3,000 after.

[A]

Or what the eight.

[B]

No width told total.

[A]

Yeah, yeah, yeah.

[B]

It was probably less. She wanted to. She was, like, really pushing that. Like, this is a gift. She wants some money for it because it's so valuable. She's there for such a long time, and I want to respect that. And. And, yeah, give her some money for it. If it means, like, paying her a little bit of money month to month, helping her live the way she wants to.

[A]

Okay. All right. Capital one. 5817.79. Shocker. Completely behind.

[B]

Yeah. So that. That one.

[A]

And over the limit by $872.79.

[B]

That one we use in the process of moving.

[A]

When.

[B]

When did you move from New York to Miami.

[A]

Yeah. When was that? Yes, I asked where when I said.

[B]

Just over a year ago.

[A]

Okay, so why the is it behind just over a year later?

[B]

Because it was already pretty high and I.

[A]

Why is it behind? Why are you making your minimums? Your minimums are probably 125.

[B]

Oh, it's behind because like I said, the whole credit consolidation thing, they were trying to work with Capital One for.

[A]

You didn't do that with the Discover.

[B]

No, I was still paying the Discoverer. So I was late a couple times, but I was still paying.

[A]

Right now is the 1044. It's probably a normal 125 minimum to payment. That's what we'll calculate into the budget. But we got to catch up, obviously, and that's more important than your grandma's gonna have the ring. So you don't have to do that this month because you already proposed and everything. 21 years to pay this off. Minimum payments only without any purchases. Good luck with that not any purchases thing. This is at a 30 interest rate of death. We're talking about a four missed payments this year so far. Four late payments. In fact, these missed payments, that's probably what's you've had. Missed. Missed missed payments, and that's what's hitting your credit.

[B]

And that was part of the limit credit consolidation situation.

[A]

Your credit's. And then about $1,000 in interest this year so far. So what are we at? 3,000. No, no, no. Yeah, 3,000 this year so far in interest gone. It's an entire month's income for you. You've lost a month's income income just on these three credit cards alone this year.

[B]

Yeah.

[A]

And you want to move to another country. You want to make a living off 100amonth in affiliate marketing. Okay.

[B]

Trying to make way more than that in affiliate marketing.

[A]

I know you want to want to isn't actually what happens though. And I'm just talking real world because it would be a disservice to be like, yes, I hope you do too. Go ahead. It's like I'm realistic about your numbers.

[B]

Yeah, no, yeah, for sure.

[A]

I hope you do well. I hope you blow up. Car market's not like the biggest market in the world. Some of the top creators have like a million followers.

[B]

Sure.

[A]

So it's like, it's not like it's still. You can do well there, but it's also very saturated already. The car. Car. The car. You would have to bring something that really shakes it up because, I mean, I. I talk about this Story here and there. This is not to jerk myself off. I want to be very clear. I'm just, I'm applying my situation to you.

[B]

Yeah.

[A]

The thing is, no big finance creators were just all of a sudden blowing up and starting new things because the finance industry was pretty set. Dave Ramsey doing some phone calls. Graham, Stephan, Andre, Jake, you know, other people like that doing, talking to the camera. I'm sure you did. That was the industry. People weren't breaking in. No, we, I, you know, had this entire thing that came in and it was very different and it put a little in the industry and you know, we're, we were able to be one of the first channels to really break into the industry in a long time. It's the same thing with cars. The car market industry is very saturated, very solidified. You will need something completely different that has not been done before to really break in. Unless people just really ultra vibrant with you and the algorithm just blesses you. But that is a rarity for sure. I didn't see anything on there that's like blowing my mind. Wow. Wow. This hasn't been done before.

[B]

No, I mean it's, it's niche in the sense that it's the classic car market that's a bit more niche than just.

[A]

Which is getting you even smaller market base.

[B]

That is. Yeah. Okay. Yes.

[A]

That's not an insult. That's a reality.

[B]

No, yeah, it is, it is a small market. It is, it is niche, but it, I know there's, there's, it's still a pretty big community. There are a lot of other creators that are specifically more so and classic cars that have only been doing it so long.

[A]

So I still don't understand your plan to break out.

[B]

Right now I've been focusing on what's available in South Florida. There's a whole niche community on that. But if you're, if you're moving. Yeah.

[A]

Then how are we getting it? So how's this, how's the South Florida one going to make sense when you're in Mexico?

[B]

That, that part doesn't make sense. But what does make sense that I ultimately want to do is find home second homes for these classic cars, give them second life, you know, cars that have been on the road for 50, 40, 30 years. Seller.

[A]

So that's the business, not the influencing, not brand deals.

[B]

But that's part of it. Because you have to drive traffic for any business. Right. So you do.

[A]

But that's different than influencer. That's marketing. That's not being an influen influencer. That's marketing. Sure, sure. You can mix both. But what you're talking about is strictly marketing for a business you're trying to have. Also, if you're building these businesses, if this is the business. Yeah, it's about building up a local group, connections, whatnot. But it sounds like you're going to be everywhere. It sounds like you don't even know where you want to go.

[B]

I mean, I feel like this is something that I can take almost anywhere. One with my skills of being able to market it with my skills in just videography, photography, what have you, especially in the automotive space. And also that there are old cars all over the planet, whether they're in Mexico City or in Barcelona.

[A]

Connections being built up, too.

[B]

Yeah, I mean, but there's already online marketplaces where people sell these. So I can find owners in different parts of the world. Anyway, that's the whole point, is if I can find owners, I want to.

[A]

Find a way for you to break out in your niche. I feel like there's not a strategy here. What's your. Oh, I have old cars. Okay, good. What's the breakout strategy in the niece? Again, I give you my example.

[B]

I think people who are already interested.

[A]

Do you have money to even do that?

[B]

Well, no, because I'm not the one who's buying. I'd be a part of selling. Right. Because I would be meeting with the people who already own these cars.

[A]

So, one, you have to market using.

[B]

My platform in order to find buyers.

[A]

So you have to market to the people that want to sell their car first, and then you have to market to the people that want to buy the car of the person you marketed to sell the car. So you have to market the two different.

[B]

That's where the necessity of influence is.

[A]

Okay.

[B]

That's also where it's different because I think.

[A]

But you're in a localized group. Right? So.

[B]

Right. Right now? Yeah, right now I'm in a localized group, yes.

[A]

Okay.

[B]

Yeah. So.

[A]

And what's the metrics of the 2500 people? Are they all in Miami?

[B]

So, you know, that's the funny thing is that not all of them are. A lot of them are in Europe and Latin America.

[A]

Europe and Latin America are red. How many. What's the percentage in Miami?

[B]

The percentage? I. I can't give you an exact percentage, dude, but there'll be some data I'd have to look at.

[A]

You don't have this? I thought you said you were into your data. You know your data, you know your numbers, you know your people, you Know your growth rate. But if it's a. If it's. If it's all about making money in the local area, this doesn't make sense.

[B]

So far, I've been just focused on developing the community, you know, building a following, finding people who are passionate about this, both locally and online. That's what I've been focused on, is how do I build this community? How do I engage with them further, because this is my most recent attempt, I would argue my first attempt at really being any type of influencer. Sure. I did YouTube when I was a kid.

[A]

Yeah, we already talked about you. Yeah, well, college. College just happened for you. Okay, so we have a freedom card.

[B]

Yeah.

[A]

$2,716.31 minimum monthly payment, $91. You're purchasing $179. 79. Why are you purchasing on a car that you're not paying off that as a current interest? Let's see,$64.39 of interest accrued.

[B]

Dude, I. I've been. That's been the card that I've been reaching for in the events that I don't have money in my business.

[A]

I have money in your checking account. We saw your postponed. It was hundreds of dollars.

[B]

There's been some spending on. And sometimes I have. There are needs. Like I've had to pay for maintenance on my current car, but it's basically maxed out.

[A]

It takes 11 years to pay off if you don't even purchase. And you're making minimums only. And we know you like the purchase.

[B]

I've been spending here.

[A]

Chick Fil A. Yeah. Cafe. Cafe.

[B]

I said that it was a bad habit.

[A]

Genky. McDonald's Cafe. Chick fil A. CSCSW Cafe.

[B]

My laundry.

[A]

Okay. Laundry's okay. The CFCSW?

[B]

Yeah. Yeah.

[A]

You don't have a laundry machine?

[B]

No. Well, it's in my building, so it's okay.

[A]

That's okay. Okay.

[B]

Yeah.

[A]

Going in and getting some B2 Cafe special treats. Going in and getting some bullshit.

[B]

I've had the habit. Bad habit of. Of getting some bull and eating out.

[A]

Yeah, no, you have a bad habit, but your goal.

[B]

And I've been cutting back on that.

[A]

You don't even know where you want to go. This makes no sense. Dude. How many bird Amish foods rides, guys. Las Vegas. 20.

[B]

I. I had gotten the money back on that. That was like a course I was considering. I was. And I got. I got the money back on that. Yeah. Yeah. Some of those things also.

[A]

Huh. You've had a late fee this year on that card.

[B]

I mean, I've had a late fees on a few of my cars.

[A]

Wasn't this the bad habit that the fiance was upset about? And you're like, oh, I'm not gonna do that much anymore, or at least I'm gonna communicate at home. So she knows about every single one of those purchases.

[B]

She's know. She knows about those. That was those the last month. She knows about that.

[A]

500 in interest. So where are we at? Like, we're at like $33,500 of interest this year so far. So a single more than a whole month of your work, all the work you did last month, every single hour you put in, all the hours you didn't want to wake up, all the hours you were tired of work, all those hours gone. It was just to pay interest on things you've already purchased. It wasn't future purchases.

[B]

This is why I was looking for, you know, ways to save money on the interest. And then I ended up in the whole, you know, credit consolidation. Yeah, yeah. It's a situation that I, I need to handle between budgeting and, and maybe giving ourselves more time where possible for this goal.

[A]

Yeah.

[B]

Or goals. But yeah, that card I had been reaching for for that one especially because I had to, you know, invest in maintenance for the current car after selling the old one.

[A]

What old one did you sell?

[B]

I, I sold the car that, that she was the one that she didn't like. That she didn't like. I sold it.

[A]

What is your current car?

[B]

I, I drive a 2001 Camry. I bought it used on Marketplace for like $3,000 after.

[A]

Oh, yeah. I mean, we're getting worth like 2160, 20, 21, 26. What made you sell the other car?

[B]

Well, for one, I had, I, I, it ended up just being too much between payments and insurance because it was a luxury car. It was an suv, so it wasn't great on gas.

[A]

Wait, what was the purchase price on that car? What did you even get it for?

[B]

It was, it was 12,000. 12,500.

[A]

That's not that bad. It was usually what I would advocate for, for like a used car.

[B]

It wasn't insanely high, but after how much money I had to put towards the debt and what that this debt.

[A]

The rest of the debt?

[B]

Yeah, because I, it didn't get like this overnight. It was already pretty bad before I even got that car.

[A]

Okay.

[B]

Yeah. So, so I, I mean, I was paying like 350 on the payment. Over 200. Insurance after gas and everything, like talking about like 700amonth. So that, and she, yeah, she, she, even though it was a nice car and it wasn't the worst deal on a new car, she felt like this wasn't the right time to be investing into a car like this.

[A]

I mean a used car, like how much are you gonna have to put into this car to keep it going? Is that the thing? Because like I'm like. Yeah, like 8 to 10,000 hour car approved by multiple mechanics. It gets you to the place where you can drive it for a few years while you're getting out of the rest of your day. I'm not saying get a 20,000 hour car, but I also don't want you to get a 3,000 hour car clocker that you in order to just get to your job requires you to put in 2, 3, 4, $5,000. That's when you don't have it.

[B]

No, no, no.

[A]

Do you know how long have you had this car?

[B]

I've had it. Let's see. I got it in April.

[A]

Okay.

[B]

So it's been about four months. Not long. Not long. But I did get it inspected.

[A]

$95 in the savings account. Oh, or this checking account. But they're use this as your saving.

[B]

I, I, I mainly use that account to pay the credit cards. And I'll put money aside in there.

[A]

Typically not from $43 to 95. Yeah. Picks OAL Singapore card.

[B]

I don't know what that is. Singapore what?

[A]

I don't know. It looks like maybe a transaction fee. Okay. And then this checking account, this looks like the spending checking account. 69.46.

[B]

Yeah.

[A]

Winning. Got some. I mean Bird Spring Hill Rural King.

[B]

I think those are just the farmers market.

[A]

Why'd you go? Farmers market's more expensive than you can afford.

[B]

We go. That's where we do our grocery shopping. Support.

[A]

Yeah, but dude, support your future goals. Goal. Yeah. I mean you can support everything you want, but you kind of have to focus when you have a limited income source on what you want to support. I want to pay off that. I want to get a fully funny. I want you to get to where you want to move to. You can do that or you can go and spend more on everything you want to do. And if you choose that, that's fine. I'll support that as well. But choose what you want to do. You can't do it all. No, you, you can't do it all mathematically. Farmers market. Farmers market going and get some Hulu Spotify high. Ah, Peacock. Oh, and he overdrafted to get Peacock.

[B]

No, no, no.

[A]

No, no, no, no. Yes.

[B]

No. That. That. That happened at the same time as my insurance payment because my. My insurance on my car.

[A]

Guess what? Insurance made it over.

[B]

I got the overdraft fee back, by the way.

[A]

Insurance made it overdraft. And then Peacock made a second over.

[B]

I mean, I got both of those back.

[A]

Great. Which, yes, you can do when you put in the right money, but it's indicative of your behavior and spending. Why should we be having Peacock when we can't pay our debt when we're.

[B]

In the edge of back and forth with canceling subscriptions?

[A]

But you have it right now, dude. And it's what made you over. Jeff Appleville. McDonald's is Cuerdos. Going in and getting some bull. Who gives a crap?

[B]

That's. That's TP. That's toilet paper.

[A]

Holder paper. $100 of toilet paper.

[B]

It lasts for a while.

[A]

Better.

[B]

Yeah.

[A]

Because TP fund is like $100 a person. Okay. Which is anything else you need to survive outside of food and all the rest of the stuff we do. Cafe. Spicy, nice pepper, fruitful place.

[B]

That's still Farmer's market. Yeah.

[A]

Yeah. That's still. This is so stupid. Julian's. Julian's Booby. Booby. I don't know. Going to get into selling out money. Miami, old school. AMC Adobe for our 12,000 to 12. What is it, 250? Well, 2,500.

[B]

I also use Adobe for my day job, which I've been trying to get them to pay for.

[A]

Well, then they should pay for. I'll say.

[B]

I agree.

[A]

Okay, that's. That's laundry. That's fine. Cafe out of the closet. A.

[B]

That's a thrift store, believe it or not. Yeah. Yeah. They're.

[A]

They're smok Team Water. Anakin, I'm good with charity, but it doesn't make sense to give the. Cuz you could give so much more to charity over the lifetime of your life if you actually buckle down, get out to have a fully funded emergency fund, and then you can mathematically give more to charity than just a little bit here and there while you're trying to survive. That's great. Good cause. But like, you can get so much more long.

[B]

Okay, sure.

[A]

AMC Chick Fil. A Google. Want one? Wendy's and cafe also. No. Yes. You may have gotten that 68 back, but you've paid an additional 68 this year so far in overdrafts. Okay. Robin Hood 67. So I guess that's our retirement. 3154.

[B]

Recently started that. Yeah.

[A]

Okay. This Is silly. I don't really get it. Let's take a bite it, please. All right. We got you with 3,300 for your income.

[B]

Yep.

[A]

Debt payments. 459.

[B]

Okay.

[A]

What's your mortgage? Your portion of your rent?

[B]

Sorry, 900 is what I pay.

[A]

Pay 900. Utilities, everything. Combined your portion. Internet as well.

[B]

About 100 bucks. Yeah. Between Internet and electric, good.

[A]

Gas? Vroom, vroom. Drive. Drive.

[B]

I'll say about 150.

[A]

Okay. Car insurance?

[B]

Just lower that to 64.

[A]

64. Okay. Yeah. Food, you can do 300 to the pile. TP fund, 75 to the pile. Subscriptions. I'll give you 40. When I can give you some fun money, I'll give you like 100. With $190 of fun money, I can still have you at $11,000 left over. Which, do the math. Pays it off in 22 months.

[B]

That'd be great.

[A]

22 months. So we're talking two and a half years. Yeah. Your debt's gone and you're in a fully funded emergency fund situation. Do that and then move. But we're not moving yet. We're not traveling yet. That's. I mean, this is what. Where we're at, buddy. You just have to choose what you want.

[B]

Yeah, I mean, I. We want to move. Hopefully sooner rather than later, but you know, the.

[A]

Well, here's what we're gonna do.

[B]

May not be there in five months.

[A]

We're gonna call your girlfriend in the post show and you are gonna tell her no more traveling. I heard she might be pretty upset about that because she refuses to give up travel. But you're gonna tell her that.

[B]

Yeah. Okay.

[A]

Well, we'll call her. Let's get her Hammer Financial Score. But before that, again, join Hammer Elite. Click that join button or link in the description below. And with that, three premium shows posted every day, Monday through Friday, including the post show for this episode. Expending your budget, well, you oversp spent, so you're out of 10 debt, no collections. But it's not the worst. Oh, but you're behind on debt. So one out of ten. That was going to be like a two or three. But no emergency fund, Nothing. Zero out of ten retirement. That's. I'm not going to consider that. Zero out of ten real estate. No. Zero. Wow. Okay, well, barely rounded up. Zero. Five out of ten, guys. I'm going to call the girlfriend. He's going to tell her no traveling. Put his foot down. I'll see in the post show. Join Hammerly. But. Hello.

[B]

We just need to at least cut back. Like, we can't travel like the way we have been. What about the memories? That's. That's not showing up in reality.

[A]

Sounds really, really selfish that you can travel your way to McDonald's and Chick.

[B]

Fil A and stuff, but then you're saying no to getting on a flight.

[A]

Like, just. It's.

[B]

It's not adding up.

[A]

Dylan told us that you guys were considering moving internationally in five months.

[B]

Oh, my God.

[A]

Did he really say that? Glue members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.