I've Finally Met My Match | Financial Audit

Summary

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Financial Audit – "I've Finally Met My Match"

Host: Caleb Hammer
Guest: Mattel (33, Santa Maria, CA – Central Coast)
Episode Date: August 20, 2025

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Episode Overview

This episode features Caleb Hammer in a heated, comedic, and at times chaotic financial audit with Mattel, a self-employed mechanic and aspiring entrepreneur from Santa Maria, California. The conversation covers Mattel’s attempt to run his own mobile auto business, his largely untracked finances, substantial credit card debt, erratic spending (including recent international trips), and the consequences of his financial habits on his life and family. The dynamic between Caleb and Mattel is especially combative and filled with banter, making for an engaging yet sobering episode on financial mismanagement.

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Key Discussion Points & Insights

1. Career & Income Confusion

• Mattel describes himself as a "starting entrepreneur" and a mechanic (02:48), claiming to be self-employed for "a couple months" (06:24).
• Initial claim: $10,000–$15,000/month income, but income numbers turn out to be wildly inaccurate due to poor tracking and mixing business with personal sales (03:56, 06:24, 10:07).
• Almost half of the "recent income" came from selling/flipping his own cars, not regular business; actual service income is only ~$1,000/month (10:09, 20:25).

Notable Exchange:

• Caleb: "How'd you even tell me $10–15k then, big guy? That's what you feel is coming in?" (10:43)
• Mattel: "Yeah, it's money that comes in. I don't necessarily count it ..." (10:59)

2. Business Structure & Planning

• No clear business plan, little to no separation between personal and business finances (08:16).
• Operates mobile, no shop, and minimal understanding of overhead and net profits.
• Sells cars he purchased but does not reliably track inventory or cash flow (09:15–10:09).

Memorable Moment:

• Caleb: "I don't think you know what you're doing when it comes to running a business at all." (01:03, 26:10)

3. Debt, Overspending, and Denial

• Substantial credit card debt across multiple accounts, with most cards nearly maxed, minimum payments only, and recurring late fees (38:24, 77:47).
• Spends more than he earns – evidence of recent trips to Italy and Miami, frequent eating out, and energy drinks (41:31, 51:20).
• Defends credit card interest rates by pointing to people having it worse ("There are people that have, like, 300% interest, you know, so I think I have it good." – 16:02).

Notable Quote:

• Caleb: "You don't pay off debt because you're spending more than you make." (16:52)

4. Family & Personal Responsibilities

• Claims two children (after joking he had eight) who split time with him (34:00).
• No college fund, no financial security for the household; majority of spending is self-focused or for the "boys trips" (41:34, 46:05, 76:44).
• Justifies his trips as necessary for "mental health," despite unstable finances (71:32).

Host's Critique:

• Caleb: "I don't think you're a good person. ... You don't seem like a good father." (46:05)

5. Content Creation Aspirations

• Aspires to build a YouTube channel focused on cars, but no content yet and little planning or differentiation strategy (24:22–26:09).
• Host makes clear how saturated the market is and the need to hyper-focus.

6. Repeated Dishonesty & Deflection

• Mattel frequently dodges or contradicts factual questions about his financials (19:30, 29:32, 59:10).
• Lies or "just kidding" jokes about the number of kids, ex-girlfriend’s passing, trips, and casino habits.
• Host (and producers) call him out on dishonesty, leading to Mattel being labeled "a lying piece of..." (59:13).

Notable Moment:

• Caleb: "You're a lying piece of—." (59:10)
• Mattel: "No, come on." (59:13)

7. Confronting Financial Reality

• Detailed review of credit cards: Apple Card, Chase Freedoms, PayPal, Discover, Slate, Marriott Bonvoy, new Saver card—majority charge interest rates between 23–30% (40:08, 60:24, 80:58).
• Multiple trips (Italy, Miami, Vegas), with spending justified by "getting experiences."
• Opened a new card right before the show (20:48), continued spending (e.g., $20 at a local sandwich shop before filming).

8. Consequences & Next Steps

• Host calculates that Mattel’s current trajectory makes eviction nearly inevitable (63:10, 65:42).
• Suggests Mattel requires baby-step financial intervention, arranging for him to meet a budgeting expert.
• Assigns Mattel a financial score of 0/10 (90:42).

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Memorable Quotes & Timestamps

• On Business Planning:
  • Caleb: "You know nothing about YouTube, and that’s okay. You’re going into it thinking it's all of a sudden going to be a career ... not how this works." (26:10)
• On Debt Denial:
  • Mattel: "I don't see it as bad." (15:47)
• On Honest Responses:
  • Caleb: "As long as I have enough to pay my bills." (13:18)
  • Caleb: "But you're not. And you're certainly not setting anything aside for taxes." (13:20)
• On Justification by Comparison:
  • Mattel: "There’s people that have, like, 300% interest, you know..." (16:02)
  • Caleb: "There's always worse. Why does that mean you’re... That doesn’t all of a sudden excuse you?" (16:14)
• On Parenting:
  • Caleb: "I don't think you’re a good person. ... You don't seem like a good father." (46:05)
• On Facing the Facts:
  • Caleb: "You're going to be reaching the age when you can pull from your tax advantaged retirement accounts penalty-free when this card is paid off." (81:43)
• Final Judgment:
  • Caleb: "Your financial score is 0 out of 10. I mean, you're so beyond done." (90:42–91:00)

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Important Segments & Timestamps

• Revealing Income Delusions & True Numbers: [06:24] – [11:09]
• Credit Card Breakdown Begins: [38:24] – [54:52+]
• Family and Children Discussion: [31:07] – [34:04]
• Trips to Italy, Miami, Vegas, Justifications: [41:31], [51:20], [55:03]
• Host Confronts Dishonesty, Producers Intervene: [58:00] – [59:14]
• Business Model Flaws & Nonpayment by Customers: [78:02] – [79:46]
• Mattel’s Financial Score & Next Steps: [90:42] – [91:00]

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Tone & Engagement

The tone is brutally candid, often combative yet comedic, with Caleb oscillating between genuine concern for Mattel’s financial health and exasperation at his evasions and lack of planning. Mattel’s irreverent responses, frequent jokes, and deflections become a recurring comedic device but underscore the severity of his financial denial.

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Conclusion

This episode bluntly exposes the consequences of entrepreneurial naiveté, poor financial tracking, and reckless consumer behavior. It's a cautionary tale for self-employed individuals and parents alike, highlighting the necessity of basic financial literacy, discipline, and honesty—both with oneself and others.

Bottom Line:
Mattel’s lack of planning, massive debt, and prioritization of leisure/friends over family and stability earn him a financial reality check and an on-air referral to intensive budgeting counseling.

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For listeners:
If you recognize any of these habits in yourself, take advantage of Caleb’s practical financial tools or consult a budgeting expert before it’s too late.

Transcript

[A]

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[B]

I mean, did you know everything when you started this? I don't think so.

[A]

How are you surviving?

[B]

How are you surviving?

[A]

I'm sorry, what are you trying to say here?

[B]

I think it has to do with you having a Tesla. Looks like you don't get your hands dirty.

[A]

I'll give you a financial audit, but I don't know if you have the ability to make it in. In life. Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial [e-mail] Join the tens of thousands of people who've changed their lives and join Dollarwise Central right now for free.

[B]

Hi, My name is Mattel, 33, from Central Coast.

[A]

Central coast means a lot to some people, I'm sure.

[B]

Yeah.

[A]

Where the is that?

[B]

That is in between Central Coast. Where?

[A]

Santa Barbara and California. Are you trying to say California?

[B]

No, Nevada. Yes, California.

[A]

Why would the. Would I know what Central coast is?

[B]

Whoa.

[A]

Are you from there?

[B]

Yes.

[A]

So that's why you know what it is.

[B]

Yeah. Yeah.

[A]

Okay, cool. From Central Coast. That's the name of the town.

[B]

Name of the town is Santa Maria.

[A]

So now I feel like I've actually heard of that.

[B]

Wine country.

[A]

Yep, I know wine country. I know everything. Except for the thing you opened with. 33 years old, they call it that.

[B]

Central Call something.

[A]

I'm sure. I'm sure they do. It's probably just me, but that's okay. Well, welcome. Thanks for coming over, man. I really do appreciate it. It's a nice little travel from there. Especially early in the morning.

[B]

Yes.

[A]

What do you do for a living in Central Coast?

[B]

Starting entrepreneur. Want to be.

[A]

That's not a job.

[B]

I'm a mechanic.

[A]

There's your job. What do you make doing mechanic?

[B]

Say that again. Can you speak up?

[A]

What are you. Is it because of the mechanic?

[B]

Huh?

[A]

Is it because of the mechanic? Is that why you can't hear?

[B]

Yeah, that's a lot of. You know. I mean, you wouldn't know. You looks like you don't get your hands dirty. Like, what do you say me for.

[A]

What the was that and saying.

[B]

You say I'm kind of slow because of the mechanic.

[A]

No, I asked if you can't.

[B]

You wouldn't know. Do you. Do you even know how to turn a wrench?

[A]

Do you practice that? No, buddy. I asked if you can't hear because of the mechanic noises, not because I didn't say slow. But now you're making me question it.

[B]

All right, continue.

[A]

No. Do you have hearing problems? I want to know for continuing this episode.

[B]

No.

[A]

What do you make guy in your mechanic position?

[B]

Roughly monthly, like about 10 to 15 grand.

[A]

Whoa, that's incredible. Net net. Is that what hits your account?

[B]

Yes.

[A]

That's incredible. I didn't know we allowed to make that much money.

[B]

Hahaha. So.

[A]

What do you do with that man? There shouldn't be much of a struggle.

[B]

I use it to go out instead of being responsible and paying bills.

[A]

Well, okay, sounds like someone who knows what the is going on. Why don't you stop going out and use it to pay some bills?

[B]

I pretty much been like that all my life, so. I mean, just to change. I can't. It's. It's hard to wrap around.

[A]

You cannot change.

[B]

I can, but why haven't. Part of me doesn't want to.

[A]

What part of you cares?

[B]

The lower. The lower part.

[A]

Which one's the lower part?

[B]

You're talking about your.

[A]

Are you. No, like.

[B]

Oh, oh.

[A]

If just actually no.

[B]

I'm missing.

[A]

Buddy, you're in a podcast. Try to talk to me here. What's going on? Oh, okay. Yeah, let's just. Let's do that. What is going on?

[B]

Whole lot of nothing. Okay, so like I said, just barely started my own business. I'm trying to be an entrepreneur. Trying to get things on, you know, know, in order to, you know, make it a career.

[A]

Well, what's your okay. Being an entrepreneur isn't a career. What. What are you trying to entrepreneur to?

[B]

Mainly automotive, like kind of everything in the car world.

[A]

Okay, so you're a mechanic Right now. You don't work for yourself, you work for someone else.

[B]

So I do work for myself right now.

[A]

Okay, so you're already an entrepreneur. That's working then. So. So what's the attempt? It sounds like you've done it.

[B]

Doesn't feel like it.

[A]

Why?

[B]

I don't know. I'm not doing things correctly, maybe.

[A]

Oh, boy. All right.

[B]

I mean. I mean, help me out. Can you kind of sense where I'm heading?

[A]

No, because I am literally just trying to get answers and you're not willing to give them. Okay, so how long have you been an entrepreneur? How long have you been trying to do car things?

[B]

I've been doing cars for about 10 plus years.

[A]

On your own?

[B]

Oh, on my own Recent couple months, so I left.

[A]

So you can't say for a couple of months you bring in 15,000 hours a month, can you?

[B]

If you've been doing it for a couple months consistently.

[A]

No, it's been two months. So you're saying one month you did, the other month you didn't?

[B]

Yes.

[A]

Okay, so you're giving me a $15,000 a month average based on one month making 15, the other making zero.

[B]

Well, not zero. Not.

[A]

What did you make?

[B]

Close to 10.

[A]

Okay. Okay, so there we go. But because of two months, you think you're making 10 to 15 forever?

[B]

Okay, that's what it feels like.

[A]

Sure. So what led to that big out of the box automotive income? Because that is quite good. I'm a little concerned now that I know it's your business, and based on the five minutes I've been able to talk to you, that that is likely not net income after costs.

[B]

No.

[A]

Okay. I asked you at the beginning if it was net and you said yes.

[B]

Oh, my goodness. Forgive me.

[A]

You're forgiven.

[B]

All right.

[A]

But I was led astray in terms of what I thought you were making. So do you know your overhead? What do you know about your business? What can we talk about with that overhead?

[B]

Is one at the moment, just me.

[A]

Okay. There's more overhead than just payroll.

[B]

Okay. There's a lo.

[A]

You have a location?

[B]

No, I'm mobile.

[A]

Okay, so gas and maintenance on your thing and tools and equipment and parts that you're buying, right?

[B]

Yes.

[A]

That's cost into the business.

[B]

Okay. Okay.

[A]

Before you get paid.

[B]

Before I get paid.

[A]

Oh, okay. And has a car falling on your head during one of these mechanic jobs you've had.

[B]

You know what? I don't really have a business plan right now. That's.

[A]

Well, no, I could.

[B]

I'm just.

[A]

You know, I don't think we needed you to say that. I think. I think that was a pretty clear. That was more clear than I think, actually, anything you said so far. So you went out on your own?

[B]

Yes.

[A]

What were you making in the job before this?

[B]

So before that, I was making like 80,000 a year.

[A]

Okay, then that's not bad. Yeah, 80,000. Gross or not gross. Okay. Still certainly not bad. I'm sure it's a pretty expensive area. I mean, we got the median income for an automotive technician in Santa Maria, California, is around $55,708. So you're doing well. You were doing well, and now you're on your own. How did you hit it out of the box? Just like out of the gate. So big, though. And I'm also concerned that you really don't know how much came in, if we're being completely honest. But.

[B]

So how'd you do.

[A]

So while out of the gate, big guy?

[B]

I have a couple cars that I. That I bought, you know?

[A]

Okay.

[B]

And I think that part of that is, you know.

[A]

So it wasn't your business of doing automotive stuff for other people. You just sold cars that you already had, that you flipped?

[B]

It was. Well, that is. That's business. That's part of my business, buying cars.

[A]

What is your business, then? Just tell me your business, mechanic.

[B]

Working on cars.

[A]

Other people's cars are your cars that you're flipping. What is the business?

[B]

Other people's cars. Okay, including cars that I buy from other people, or it's even the cars from the people that I buy that they can't afford to fix.

[A]

How much of that came from you selling a car you purchased and flipped?

[B]

A little less than half.

[A]

Okay, so your actual automotive work was, like, $5,000, and then you already had these cars that you flipped and sold because it's not an insta. Turnaround. You did not do that in two months. Exactly. Come on. I'm karmoronic. But I at least know that, buddy, also. And I. I don't understand what the you're talking about. I had 5,000 hours that even came in. So what are you. What are you talking about? 10 to 15 in the last two months. That's. I mean, objectively. That is not what I saw. That is not what is listed here.

[B]

Yeah, that's because I don't track.

[A]

Track. How'd you tell me 15. How'd you even tell me 10 to 15 then, big guy? How you even tell me 10 to 15. That's what.

[B]

That's what I feel is coming in.

[A]

Feel what the is. I feel 10 to 15.

[B]

Yeah. I mean, yeah, it's money that comes in. I don't necessarily count it or you know, make.

[A]

Oh.

[B]

Yeah. I mean, do you track everything you do?

[A]

Yes. I have concerns of how right I live off of. I need to relax.

[B]

Yes.

[A]

Okay. I. So I could go for a relax. Okay, well, what are you trying to say?

[B]

That you're being a little bit too harsh on me? Not keeping track of my finances?

[A]

Buddy, I've been like so gentle on you because I don't want to be clipped for. For what yelling at a handicapped individual says.

[B]

First of all, you look like a Tesla driver. I'll just tell you that. Boom. Roasted.

[A]

I have a Tesla. As in a car that goes faster than your cars ever go and will drive itself while doing it. Yes, that is true. Yes. 2.5 seconds to 60. What about you?

[B]

More like 2.5 and 10 seconds. But how long can you do that, huh? Nobody likes a quick finisher.

[A]

I always have them coming back. I didn't provide enough to begin with, but yes. I'm sorry, what are you trying to say here? So I'm being too hard on you? Yeah. The fact that you have a business and you don't know what the business makes and the first question that is asked on the show is how much do you make?

[B]

I think it has to do with you having a Tesla.

[A]

Oh, no. You're not able to milk me for endless repairs because it's a car that doesn't need maintenance.

[B]

You're.

[A]

It's like your industry is going away. Cuz no one gives a anymore about keeping you people alive for scamming everyone.

[B]

Oh, scamming Easy.

[A]

Oh, come the on.

[B]

Oh, honest work right there.

[A]

Okay, well, sorry for going too hard on you guy, I guess. Except not really because I've barely gone hard on you at all. It's just dramatically concerning how the do you not know what is coming in in your business? That is not tracking everything. That is not tracking everything. That is just knowing your income.

[B]

As long as I have enough to pay my bills.

[A]

You don't. You have that. So what the are you talking about? That's a lie. That's not true. What are you talking about? Okay, we know what came in. 5,000 won't went out what went out more than that. What went out more than that. Try to give a number if you can think of one.

[B]

68.

[A]

It's actually kind of close. Actually incredibly close. It was 69.86. So as long as I'm bringing enough money to pay your bills. But you're not. You're not. And you're certainly not setting anything aside for taxes. I know that for a fact. And it's not like all that was business expenses. You might try to claim it as such, but no.

[B]

Okay, forgive me.

[A]

You're forgiven.

[B]

So.

[A]

But you keep saying. You said as long as I have enough to pay my bills, you don't. Not even enough to pay your taxes, apparently.

[B]

Well, I mean, I had. That's still it for next year. So I still have time.

[A]

Yes, you still have time. But what are you going to do when you owe like a month or two worth of income in taxes? How do you pay your bills? In that case, I'll make it up.

[B]

Just work more.

[A]

How do you make. How is that actually a solution? Why aren't you working more right now than to make more money and pay out your debt and get in more than.

[B]

If the solution was work more, I am working more.

[A]

So then you can't work more if you're already working more?

[B]

That doesn't make sense. If you.

[A]

How does that not make sense?

[B]

You said work.

[A]

You just said, I will work more to pay my taxes. But if you're already working more, as you suggest you are, how then do you work more more?

[B]

Well, I didn't say I was working more. I just said I'm going to work more.

[A]

No, you literally rewind. But what are you going to do when you owe like a month or two worth of income in taxes? How do you pay your bills? In that case, I'll make it up.

[B]

I'll just work.

[A]

There you go. It was played in the video. No, watch it back.

[B]

Okay, so.

[A]

So if you're not working, if you can work more, then. My point was, then, why aren't you working more now in order to bring in more income that actually takes care of your bills, why aren't you working more now and paying off debt?

[B]

Because I feel like the debt is always. I mean, everybody. Everybody's in debt. You're not going to tell me you met one person that's not in debt?

[A]

Yes.

[B]

Are you. Are you in debt?

[A]

I have a mortgage.

[B]

That's a type of debt, isn't it?

[A]

It is a type of debt. I feel like it's bad debt. But I've met people who are debt free.

[B]

Okay. I was going to be lingering, you.

[A]

Know, or not because.

[B]

Or yes, you could be debt free.

[A]

But even still, I'm not anti Debt. I'm anti bad debt. Okay, you have bad debt.

[B]

I don't see it as bad.

[A]

Okay, this first card's an apple card. I know for a fact that is a bad debt. I haven't even looked at it yet, but I know that's a bad debt.

[B]

What makes you say it's a bad debt?

[A]

It's good. How's high interest?

[B]

What is it at 20 something? 21.

[A]

That would be bad.

[B]

There's people that have, like 300% interest, you know, so I. I think I have a good.

[A]

You're talking about like a payday loan.

[B]

Yeah, people have it worse, you know?

[A]

Yeah, people have it worse. There's someone being beheaded right now. Why does that mean that me walking out and getting hit by a bus is then considered good? Just because getting beheaded is worse. I don't know. That doesn't make any sense. There's always worse. Why? Why does that mean you're. That doesn't all of a sudden excuse you?

[B]

I believe it does. Because.

[A]

You believe it does.

[B]

Yes, because I'm still ahead.

[A]

Try to form that thought.

[B]

Hey, I'm paying the credit card off.

[A]

No.

[B]

You know, no. Yes. No, I'm giving payments to the card.

[A]

Yeah, you spent 2,000 more than came in, so. No. And again, also, you suggested you made two to three times as much as you actually did. So, no, you're not paying off debt because you're spending more than you make, so. Oh, okay. No, no, no thoughts on that. He. He moves on. Go ahead, continue. Where are you going?

[B]

No, I'm just saying, where are you.

[A]

Going in your journey, your mental journey? Right now?

[B]

I'm trying to make money, you know, I know in the business it could become pretty lucrative.

[A]

I'm talking about you getting to the end of your previous sentence, not what you're doing in your career. I know you're trying to make money in your job.

[B]

Yes.

[A]

Guy.

[B]

If.

[A]

What. What are you trying to say?

[B]

I'm trying to say. Yeah, you keep cutting me off. Whoa. Then. Ah, there. So where were we with the stair contest or what?

[A]

I'm doing a ton because I'm stressed. I'm looking at Hispanic Saddam right now. Says, yeah, go ahead, try.

[B]

I don't want to hurt your feelings. Tesla. No. Spooky, spooky little Tesla fanboy.

[A]

I just like driving a fast car that has better technology.

[B]

It is not a car.

[A]

That is objectively incorrect. You can hate Tesla and you know it's a fast car.

[B]

Unless you have the plaid, you ain't fast.

[A]

I have the plan.

[B]

And you're still slow anyways. You're. You're taking this somewhere it's not going. What? Let's get back on track. Put your glasses on.

[A]

Okay. Where do you think your money's going? Come on, you're running your business. Where do you think your money's going to? And I know it's all intermingled. I know for a fact. I know for a. Hey, also question. Before that, you said you thought half your income for the business came in through selling a car, that you flipped. What did you sell it for?

[B]

4,000.

[A]

Okay. You brought in five. So you only made 1,000 outside of that?

[B]

No, no, no. Made it more.

[A]

No. Yeah. No, you did not.

[B]

Yes, I did.

[A]

No, you didn't. I mean, I have your numbers. Was it cash?

[B]

Huh?

[A]

Undeposited cash?

[B]

It was. It was. Maybe I didn't put that statement in there. I don't know.

[A]

So you wouldn't give all your statements?

[B]

No, it's there.

[A]

Okay. I have a. So. So it's here. So you. Yeah. You brought an extra thousand? I have an Apple card. I have a Chase Freedom Unlimited. I have a PayPal card, Marriott card, Chase Freedom Unlimited card, Discover card, Chase Slate Chase Checking, something about rent and then a car loan.

[B]

Yeah, that's for the previous month.

[A]

Are those all your accounts?

[B]

Yes.

[A]

What's for the previous month?

[B]

That. I think what you're trying to say, that 1000 that I just had come in was for the previous month. Yes.

[A]

The most recent month.

[B]

Yes.

[A]

Yeah. Not this month. You've been in business for two months. You said 15 the first month, and the second you made five. Four is from selling a car. So you made 1,000 in the real part of the business?

[B]

Yes. Good. Yeah.

[A]

So you agreed to it?

[B]

Yes.

[A]

You made 1,000.

[B]

1,000.

[A]

Okay, very good. Now. Oh, I guess we didn't have all the statements because literally the. You told the producers, found out about a new credit card or some card in the green room before this surprise. Is it brand new? Did you just open it?

[B]

Yeah, it's like just yesterday.

[A]

So you're. Yesterday. This guy. Hey, you're coming on financial audit and you just open a credit card the day before this?

[B]

Yeah, it was a special offer.

[A]

What was the offer for special people?

[B]

0% interest for what and how long?

[A]

And that's all. It's just the fact that it's 0%.

[B]

Yeah.

[A]

Borderline. Every card starts at 0%.

[B]

Yeah.

[A]

Okay.

[B]

So. Yeah, because my other cards were getting a little high and they do have interest, so, you know.

[A]

No, you Just said you're paying off your cards.

[B]

Yes, but they have interest.

[A]

You just said they were getting a little high.

[B]

Yeah. Balance.

[A]

Which one is heads?

[B]

This one's. Dude, you're.

[A]

I don't know how you even made it here. How'd you even find your way to the door?

[B]

Oh, this place is not hard to miss.

[A]

Dude, I don't even know. We never got a full credit report from you. We always request a full credit report and you know, they're. They're suspecting that there's more deaths that we don't even know about because you're incapable of anything.

[B]

No, that is incorrect. I gave you everything except for the.

[A]

Credit report that we asked for.

[B]

Oh, I'm pretty sure it's there. Have you. Did you. Have you looked?

[A]

Yes.

[B]

Look again.

[A]

Did you know that apparently over a third of Americans have below average credit? And even worse, some folks are out there just paying double for car insurance just because of bad credit. Like, yeah, here's your full coverage and a full slap in the face. Now I've had my credit mistakes swipe first, ask questions never. And rebuilding that mess, it's not fun. But that is where today's sponsor Kickoff comes in. Kickoff is a credit building tool, not a credit card or some scammy payday thing. It gives you a dedicated credit line only for building credit no spending. At its stores, you just make super low monthly payments. And Kickoff reports those to all three major credit bureaus. That helps with your credit mix, builds payment history and keeps your utilization low. Users with credit under 600 grew an average of 84 points in their first year with on time payments. Translation, the big credit guys go, oh wow, look at you being responsible. You can start now for just $1 your first month. And plans go up to $5 or $20 depending on what tools you want. And I personally like the rent reporting. It's the one time paying rent actually helps your credit instead of just your landlord's bank account. So if you're serious about buying a car, a home, or not getting denied by every lender with a Pulse, go to getkickoff.com Caleb and start building your credit the right way. That is. K I K O F.com Caleb on sign up via getkickoff.com Caleb tax the offer offer applies to new customers first month only. Individual results may vary subject to approval. Offer subject to change terms and conditions may apply. KPOP Credit service month for 12 months. Average first year credit score impact between 84 points. Bench 4.3.0 between January 2023 and January 2024 for kickoff credit account users who start with a score below 600, who pay on time and who had no delete to use their collections added in their credit profile during the period late payments will negatively impact your credit score. Thanks again to Kickoff for sponsoring today's video. Let's get back to it. Still not there. Okay, so listen. Okay, so what you're trying to do is just become. You're just trying to build this business. Yes, that's the main goal. That's what we care about.

[B]

Yeah. You know, I see a lot of other YouTubers, you know, make content out of. Out of cars, you know, fixing whatever, buying wreck stuff and fixing it and then, you know, I'm sure a very.

[A]

Saturated market on the content side. Yeah. Okay, so that inspired you to get into cars, is that what you're saying?

[B]

No, I've been in cars way before that.

[A]

Are you saying you're Trying to make YouTube?

[B]

Trying to, yes.

[A]

As part of advertising or as your career?

[B]

More. More as a career.

[A]

So is the cars or is it YouTube?

[B]

Can it be both?

[A]

Potentially. But you do have to hyper focus. I mean, because at that certain point, I mean, let's think about it realistically. You think the car people that are making a true living off of YouTube, you think they're curating their YouTube videos off of what's making the money in their car business, or you think they're curating they're what they're doing on the cars based on what works on YouTube and makes them a living there?

[B]

I haven't given a thought. I thought it was.

[A]

You haven't thought about what content to make? Okay, that's an interesting strategy for making content. Okay. And you know, YouTube requires speaking in full sentence.

[B]

Yes, I do know. I'm going to make content with cars.

[A]

No, we got that part.

[B]

Yeah. You.

[A]

You've gone. You just asked if you've gone two points ago. I just said, are you gonna do your YouTube content based on the work you're doing on cars that is good for your car business? Are you going to make. Are you going to do things with cars based on what's good for your YouTube business? Because it rarely, rarely ever hits both, in fact.

[B]

Well, no, I'm. Obviously it would be more on the YouTube side. Yeah.

[A]

So YouTube said.

[B]

Yeah.

[A]

Even though you're kind of. Well, actually not really making money from the rest. Rest of this stuff.

[B]

Yeah.

[A]

So you've started a channel and you're uploading.

[B]

No, see, see, see what? No, I'm saying, see, that's Where I want to get to is. Well, I mean, I do have a channel. That's where I watch a lot of stuff, but I haven't posted anything because I'm just. I don't know where to start. You know, Post, post.

[A]

I mean, honestly. Okay, like, like without even memeing on you, just post. That's where people fail. Just post. Start somewhere.

[B]

Okay?

[A]

Learn it. You don't learn it by. Without doing it, buddy. I don't know. I don't think you know what you're doing when it comes to running a business at all. And no offense, but here's the thing.

[B]

I mean, did you know what everything when you started this?

[A]

I don't think I started this, no. But I wasn't jumping in out of my, out of the gate with running a full fledged business. What I did understand was content creation, which was the first part of it. And then I learned the business side as we've grown and we've scaled up to almost 30 employees.

[B]

Okay, so I'm not very successful. I'm not a full blown shop, you know, I'm. It's just me by myself.

[A]

Exactly. But you know nothing about YouTube and that's okay. That doesn't mean you shouldn't start YouTube. But you're going into it thinking it's all of a sudden going to be a career that I need to put a, you know, I need to set the record straight on that. Man, that is not how this works. One car, very saturated YouTube niche. Yeah, I know. I don't even know. I don't know about cars. I do know about that YouTube niche because my initial investor was in the car world. I sold 10%, bought it back after a year either way. Yeah, he was in the car world. And I know how brutal that content can be over there. We've talked about it a lot. And unless you're bringing something unique to it, which is honestly kind of hard, even finances, it was kind of rare for me to find this unique thing. Like, I'm not gonna, I'm not jacking myself off right now. Let's just talk about the YouTube landscape. To be real, like, I did get a little lucky in this. The fact is there wasn't a true breakout shift in the finance space in years. Finance nation was kind of set. All the players were set and came in with something fresh. The players are sat in the car.

[B]

Like, what's that little short guy's name? Stefan. Graham?

[A]

Stephan. No, he. He talks at the camera and talks about financial topics.

[B]

Well, isn't that what you do.

[A]

Are you a moron? What are you. Am I talking at the camera right now about financial topics?

[B]

Yes, you were.

[A]

No, no, I was. I seen.

[B]

I seen your little lazy icon looking at the camera.

[A]

My lowsy lazy icon looking at the camera?

[B]

Yeah, your right eye.

[A]

What is he talking about? No, I'm trying to actually give. I'm trying to give genuine advice right now on the creative side. I'm not jerking myself off about how we've been successful here. I'm just trying to give an example about breaking out of the finance space. The car space is also very set. Doesn't mean people won't get in there. But what are you bringing. That's interesting. That is different. That is going to get people to watch you instead of the car related channels they've been watching forever. Mechanically. Channels that they've been watching forever.

[B]

Well, I mean, that's something you figure out as you go. I mean.

[A]

Okay, so he has. Okay, great. So you brought in a thousand dollars from your business. You thought you brought in at least five to seven. Yeah, when it comes to that part of the business.

[B]

Yeah.

[A]

And it was a thousand.

[B]

No, it was more than that.

[A]

Literally, There's.

[B]

There's no count of it, so.

[A]

Well, then where did it come from?

[B]

Huh?

[A]

Where'd it go?

[B]

To bills?

[A]

No, no, no. Okay, so what you are suggesting with that is that your clients directly paid your utilities.

[B]

In a way, yeah, because they paid me for.

[A]

They paid you. Which means it would have hit your account and it would have gone out from your account to pay your bills. So we would have seen that income. That income would have been visible.

[B]

But I. But I don't always use. Sometimes it's cash.

[A]

You're a dumb son of a bitch. I just asked that earlier and you said no.

[B]

You just asked that earlier?

[A]

Yes. And you said no.

[B]

No.

[A]

Was it cash?

[B]

Huh?

[A]

Undeposited cash?

[B]

It was. It was. Maybe I didn't put that statement in there.

[A]

Yes, that's what you said.

[B]

No, that's. I think that's what you.

[A]

Oh, my.

[B]

Dude.

[A]

Oh, he is. Good luck, man. Honestly. Good. The luck. I don't know. I. I'll give you a financial audit, but I don't know if you have the ability to make it in life. You might need to be shackled down at a job somewhere forever and coddled because. Hova, how are you surviving?

[B]

I'm doing good. How are you surviving?

[A]

Are you happy? Are you okay?

[B]

Well.

[A]

Is this. Yes, I am happy.

[B]

Really? Doesn't look like it.

[A]

I'm not Happy talking to you, but I'm happy in life. But I do know. I mean, this. Okay. I mean, this is sad. Sorry, I didn't. I didn't have this note. If this is why you're a little kind of funny right now. I didn't know your ex just passed away.

[B]

What?

[A]

You told the producers your ex passed away?

[B]

No. You are.

[A]

Colton. Did he tell you his ex passed away?

[B]

He did.

[A]

Well, he did, so. What the.

[B]

Well, she almost did. Just kidding.

[A]

Just kidding.

[B]

Yeah. No, she's not dead. She's alive. I mean, she's dead to me, but not.

[A]

Oh, that's different. That is very different. I was about to be very empathetic to. She's dead to you. So you guys broke up?

[B]

Yes.

[A]

How long ago?

[B]

Long time ago.

[A]

Why do we care about this? What the is happening? You're the one that brought it up. Yeah, I thought maybe you were in a little bit of a slump here because you literally just told the producers your ex passed away.

[B]

Nope.

[A]

So what is your plan, big guy, before we jump into these finances? Because you know, you have debt, even though you say you're paying them down and the balances are going up. And it's interesting how both of that can happen at the same time. But what's your plan for paying off debt? I want to hear your financial plan.

[B]

Well, I mean, I gotta stop going out. That's just so cut. Cut back. Right.

[A]

But let me summarize our entire plan. Cut back.

[B]

Yeah.

[A]

You have no other strategy behind cut back. That's why that's all you got.

[B]

Well, I mean, if you have a lot of stuff coming in, you got to. You got to, you know, you got.

[A]

To give me a detailed plan start to end your financial plan.

[B]

I don't have one.

[A]

No, no. What you would think I want to assess just where you're at in your knowledge of finances. What you think if I'm assigning you right now, needing to come up with a financial plan, leaving this door, what do you do?

[B]

Go back on.

[A]

You have kids? You have children?

[B]

I have eight.

[A]

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 are 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? Just for the next two weeks, you can try it for free. If you are struggling or you want to learn more or you want to change your life in any way whatsoever like literal tens of thousands of people have done with our program 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. You have eight kids.

[B]

Yeah, no, I. Just kidding. I have two. Dude, can you.

[A]

Are you okay? You don't.

[B]

All right, I'll be serious now.

[A]

Have you not been serious?

[B]

Yes.

[A]

Listen, you have two kids. You have two kids. You. How old are they?

[B]

5 and 12.

[A]

Do they live with you half time? Really? And what are you doing? You're everything. It's no longer shut the up. It is no longer comedic when kids get in.

[B]

Excuse me, do you have kids?

[A]

I don't know. I don't know what that has to do with you not taking care of your kids.

[B]

Well, I'm taking care of them.

[A]

Every time I push, I give you something that you're doing wrong.

[B]

You say, well, do you?

[A]

It's like, what the. You're a child and you have children.

[B]

Yes, I have children too.

[A]

It's always the dumbest people that have the strongest nut, let me tell you. Hey man, what's your detailed financial plan leaving here? If I had to assign it to you, tell me what you would do.

[B]

Like I keep saying, I would get rid of stuff that I have cut off. You know, like stuff that I don't really need. Try to get rid of stuff like a truck. Try. I would try to minimize stuff that's talking about.

[A]

It's not going to help you think, but keep trying.

[B]

Minimize expenses that are not necessary.

[A]

Oh, that's. That's the end of it. That's our detailed plan.

[B]

Well, I mean, that's. That's a start, you know.

[A]

Good.

[B]

That's why I'm here.

[A]

Oh, for. That's why I'm here. There it is. There it is, ladies and gentlemen. Bingo. Ding, ding, ding, ding. Everyone wins a dildo.

[B]

Great. No, you can take yours off.

[A]

Huh? He thinks his brain is so fast with his little zings. But you just said to take mine off. Yes, my dildo.

[B]

So you have. Can We. Can we get back to the topic?

[A]

You are a creature that I have never come across. A creature like yourself. Man.

[B]

My pleasure.

[A]

This is. It's very interesting.

[B]

And you.

[A]

You feel like you always have to fill the space with a word like that, that little response. You don't have to. You're so weird. And then you're incapable of actually like.

[B]

Or are you to tell me how to think or what not to say?

[A]

I didn't say either of those. What I didn't say. Well, you said how you think. Oh. In terms of you filling the air. Yeah. Well, based off the 30 minutes of this conversation where you've done that every single time. This is the first time he did it. Oh, there it is.

[B]

Unique.

[A]

He did it. He figured it out. Okay, where do you think your finances are? 0 to 10, 0 being the worst, 10 being the best.

[B]

I'd say like 3, 3, 4.

[A]

Why do you think?

[B]

Because I'm not. Like I said, I'm paying stuff off, but I mean, it may not seem like I'm going anywhere but stuff. Getting. Getting paid.

[A]

That's it? That's your whole score?

[B]

Yep.

[A]

Okay. He is max. Max. Three fourths of a sentence is what you're capable of forming.

[B]

Right.

[A]

If you want your score, go to calebhammer.com take the assessment, figure out where you stand in the world of finances. And if you don't want to be like a guest on the show, make sure you sign up for our dollar wise budgeting app. You can take the free trial and you can sign up for the annual version. That saves you a lot of money. And it also allows me to sign a budget friendly cook, mail it directly to you, and you can sign up for DollarWest Central as well, which comes with the premium version and all of our educational material bundled together. 80% off. Dollarwise.com you get it for free, big guy. If you can figure out how to access it when we send it to.

[B]

You, you get it. I'm pretty sure. You're pretty sure what I'm pretty sure I figured out.

[A]

Do you have a computer?

[B]

No, of course I do. Come on, who doesn't?

[A]

No, I believed you.

[B]

Well, don't believe me. I do have.

[A]

Don't believe you. So your version of trying to make something quippy is by the three times now in 30 minutes. So once every 10 minutes on average, saying the wrong answer and then saying, I'm just kidding. Let's. Let's get him to the comedy mothership. Ladies and gentlemen, this guy's going to be a new regular There. Rogan, get him on.

[B]

More like Frick, what's his name?

[A]

Well done. You really did that. You did that incredibly.

[B]

Thank you.

[A]

Okay. Apple card. So what's going on with this. This card, big guy? What's going on here?

[B]

Whole lot of expenses.

[A]

Detailed as always, you know.

[B]

Yeah. So pretty much the debt you see there is, you know, on vibes, experiences.

[A]

So what do you mean?

[B]

Yeah.

[A]

Bad explanation, if I'm being honest. Try it again. What do you mean there's a lot?

[B]

I mean, don't you see what's what? Purchases I've made?

[A]

No, it's the first page, you silly goose. Okay, I'm asking you what's going on with this card. I like to see what a guest thinks about their card before I go into it to see if they even know what's going on or to see where their head is at. I'll try to answer the questions I ask so I can try to proceed to this conversation and actually give you something helpful by the end instead of being an incompetent dick. How could it be offensive if it's true? Okay, first of all, I'm not 100% in love with your tone right now. What's going on with this card?

[B]

That's a very overall use card. You know, groceries, there's couple car parts in there.

[A]

Okay. For, you know, business expenses, too.

[B]

Yeah.

[A]

So you're an everyday card plus business.

[B]

Yeah, you'll see. You'll see that there's a couple on there like that. You all right there?

[A]

Okay. My burp.

[B]

Yeah. Seem like you're gonna pass out or something. Hey, I'm just asking if you're all right. You don't need to get all hostile or.

[A]

I'm not. I just burped. I'm just a little confused. All right, so Your balance is $5,987.

[B]

About that as of today. It's actually a little bit higher. Just a little bit, though. Good.

[A]

Dude, we're paying off our debt. We're paying off our debt. We're paying off our debt, huh? Okay. What's the new balance?

[B]

Just a couple hundred bucks.

[A]

What is the new balance, you tit. Answer the question.

[B]

6800 something.

[A]

6008. That's not a couple hundred dollars. That is $900 higher.

[B]

Couple hundreds.

[A]

That would be a few hundred. Oh, so hold on. You are. You're from Central Coast?

[B]

Yes.

[A]

Were you born there?

[B]

No, I was. Yeah. No, no, I was born in la.

[A]

Okay, then. I don't know why. You don't know words.

[B]

I'M asking your questions.

[A]

No, you're not. You're saying.

[B]

You're saying, where do I. Where was I born? And I said, no, not. Not from $200 more.

[A]

That would suggest $200 more. $900. $900 more. Yeah, it is 900.

[B]

So that.

[A]

Pull it up. Pull it up on your phone. Pull it up on your phone.

[B]

That was actually.

[A]

Pull it up on your phone.

[B]

That was a trip to Italy.

[A]

You went to Italy?

[B]

Yeah.

[A]

Who the are you? You have a child plus one to take care of. You don't make money. You sold cars you already had and you're considering that income. You don't make. You've abandoned your children.

[B]

Not at all.

[A]

You spot. Pull out your phone right now.

[B]

What do you want to see on it?

[A]

The Apple card. You creature.

[B]

Settle down, dude.

[A]

He just answered my questions. I would be so civil. I would be so civil. But nothing upsets me more than someone who just can't answer a basic ass question. Parking, Apple bill, Frontier Airlines, Southwest Airlines, double trip Expedia. There's car parts going in against the. Going to the gas stations to get some minerals. Spread something. I don't know. Western Village, crave, mini donuts. Domino's going in, getting some BS Reckless. You. What are you. You cruising?

[B]

No, that's for vehicles I post. Strictly business.

[A]

Good death.

[B]

Dude.

[A]

What is your minimum payment on there?

[B]

I didn't see like 187.

[A]

How about you actually pull it up and look? Because I don't believe anything you say.

[B]

You would have looked.

[A]

Yes, if I would have looked. And I said I didn't, so I'm having you pull it up again. This is how this works. You're wearing a fake wash T shirt. It doesn't make you look good.

[B]

Thank you. So you don't look good as well. Okay.

[A]

Yeah. What's the balance, big guy?

[B]

Okay, hold on, hold on. 172. Do you need to see that?

[A]

It's a 172 minimum. Okay, so it hasn't been. No, as long as you read it, buddy. As long as you're not trying to lie or something, which I don't know. Well, are you gonna say. Just kidding. Are you gonna pull the fourth one?

[B]

I ain't saying nothing. 172. I'll show you. You want to see it?

[A]

It's okay.

[B]

Okay.

[A]

When we talk about personal finance, it's about risk management. Things like building emergency fund or investing instead of blowing those dollars on taquitos. But when it. What if protection could be something you subscribe to I'm not talking about another streaming platform or gym membership that takes an arm and a leg to cancel. I mean security for your well being and family that no one else is offering. That is the idea behind the Guild. With years in the defense sector, they're equipped to build the AI systems and robotics that keep all that we know safe. Especially in unpredictable times like now. So if you could safeguard the life you've worked so hard for, why would you not? You don't need another subscription. You need boots on the ground protection with future proof tech that is the Guild. You care about future proof in your finances. So maybe start thinking about how you're protecting your life. If big tech is watching you, the Guild is watching out for you. Visit the Guild IO to learn more. Your future self will thank you. This is not an offer to invest. Terms and conditions apply. The Guild is a creative property of Activision. Trademarking Copyright 2025. Let's go through your purchase in the most recent. By the way, how long do you think this is going to take to pay off if you only make the minimum payments and you do not make any purchases?

[B]

Realistically speaking.

[A]

Realistically.

[B]

Realistically speaking, two to three years.

[A]

This guy's okay, 20 takes.

[B]

But. But see, so I don't see it. I don't see what.

[A]

It's 20.

[B]

Yeah, but at the same time, I'm getting something out of that, you know, I'm getting trips, you know.

[A]

You're getting trips?

[B]

Yeah, I'm getting trips out of someone.

[A]

Else'S money that you're getting interested. Take you forever to pay off.

[B]

Yeah, but I'm still paying it, so it's coming out of my pocket. Experiences, you know? Have you had any experiences?

[A]

Yes. Why do you keep throwing. You're so weird. Dude. You are so weird.

[B]

There we go on trips with. With me and my friends, my boys, you know?

[A]

Is that even a family with your kids? It's just you and your boys.

[B]

Oh, dude, I'm planning next year to go take my boys.

[A]

Can I let you know something? Can I just be honest? I don't think you're a good person. From hearing it, you don't seem like a good father. I'm sorry, but it doesn't seem like it.

[B]

How so? What do you mean?

[A]

Okay, you quit your job. You make no money. You sold. The only money you had was from cars you already had that you've sold. Now you're going on trips with the boys. Putting yourself in a worse financial situation.

[B]

That'S not on every day.

[A]

You can get evicted you can struggle paying for food and the kids that you have take care of half of the time. Are there. So you. Yes, that is what a bad father would do. You don't prioritize boy trips over taking care of the kids.

[B]

I take care of the kids.

[A]

But it's on debt now. Once the debt's all maxed out and you can't open anymore. No, you won't.

[B]

Well, the debt's not maxed out.

[A]

You don't have a job for two months, and you've only sustained yourself by selling cars you already had.

[B]

I have a. It's now. It's. It's this.

[A]

You have a truck left to sell.

[B]

This past month was. Was.

[A]

You've had two months. Okay?

[B]

Not the end of the world.

[A]

That's 50% not the end of the world. The only reason the first month did well, which, by the way, I actually don't believe, because once I called out the second month, you're like, oh, wait, no, I didn't do well. But either way, if your first month did do well, it's only by selling. It's only by selling the cars you already had, the vehicles you already had. Italy was three weeks ago. Me, man. And it was a boys trip. It was. That's not what a good person does. You don't. Other people, and you could be. Your kids, they don't have a college fund. You could get evicted. Putting food on the table gets hard when you don't have money. You don't put the boys trip over that.

[B]

Dick, in my defense, that's. My kids are taken care of. All right.

[A]

How.

[B]

It's not like, oh, tell me how.

[A]

They'Re taken care of.

[B]

Well, yeah, they have a roof under.

[A]

Their heads until they don't. You think? No one loses a view.

[B]

I lost my train of thought. You freaking.

[A]

No, no, go ahead. They're taken care of. Go on, please.

[B]

They're taken care of. Yeah, they have food, you know, food to eat. They got clothes, you know, so it's. It's never, you know, nothing's been an issue with them.

[A]

Clothes, probably debt. Food, probably dead until they're maxed out.

[B]

Nope. No, I have, you know, there's. There's jobs that I have. You know, I pay cash and I. I get them stuff, so.

[A]

Okay. Irs. Ring, ring. Okay.

[B]

It's not like, you know, freaking in your rent, right? Yes.

[A]

Yeah. 7.8 eviction filings occur per 100 renter housings in California a year. 7.8% of renters get an eviction filed against them. And you suggest that. No, it's okay. They have a roof over the head. That is not a permanent thing. That is almost 10% get an eviction filed against them. That's substantial.

[B]

Okay, well, don't let it get to that point, you know.

[A]

No. At some point, it doesn't become a choice unless you do something illegal. Going the road you're headed, you've lost the things that sell other than one truck. You bring in a thousand from your business, you spend it all on boys trips, the food and clothes goes on debt. Debt's gets to be maxed out. You can't open any more debt except for payday loans and eventually they stop approving you. Then you can't pay rent and you get evicted. And then good luck ever getting a place.

[B]

Well, you know what? Yeah, that's all. What if should have, could have, would have.

[A]

No, no. That's what happens to real people. That is not what should have happened. No, that is not in the past. That is the future.

[B]

Okay?

[A]

These are possibilities. These aren't hypotheticals to the past. These aren't hindsights.

[B]

Okay?

[A]

This is what happens to people right now. And you think nothing of it. Again, that is what a bad father would do. You thought a lot about it. Yeah. You say it's not possible, so you haven't thought about it at all. Or you've just completely found some.

[B]

Look, there's hope. There's. There's other dads out there that are doing way worse, you know?

[A]

What does that mean? Just because the dad is hitting their kid doesn't mean you're not being able to pay your rent is good.

[B]

I. But I am paying my rent, so for now.

[A]

Do you not understand what I am saying?

[B]

Well, that's what I'm trying to.

[A]

Renters yearly.

[B]

That's why I'm taking, you know, control of it.

[A]

Come on, dude, you. Three weeks ago, you and your boys were giving each other blow jobs on the plane to Italy.

[B]

Oh, which wouldn't. That was you. Huh?

[A]

Huh?

[B]

Huh?

[A]

Oh, and you're buying 540 Gucci bucket hats. You're douche.

[B]

No.

[A]

Yeah, you're kind of the douche.

[B]

In my defense, I have sold that hat already. So.

[A]

Bundle and safe. With Expedia, you were made to follow your favorite band.

[B]

And from the front row, we were made to quietly save you more Expedia.

[A]

Made to try.

[B]

Travel savings vary and subject to availability. Flight inclusive packages are at all protected. What did you sell it for 300? Yeah. There's no way in hell just to.

[A]

Survive and that shows us how close you are, by the way. So in the last month on the apple card, Apple bill going in to get into. Okay, tell me when you go to the gas station, you spend three to five dollars. What the. Are you getting?

[B]

Energy drinks, of course.

[A]

Oh, there it is.

[B]

Oh, look at that.

[A]

Why don't you bring it into screen for everyone not sponsored. Show them what you got. There you go. All that instead of a roof over his kids heads permanently in the future. That makes no sense. Why are you not buying a bulk? Why are you not going to the Costco or the Sam's Club or even just Amazon at that point? Buying individually is brutal. Brutal.

[B]

I mean, in his defense, I buy the little caffeine pouches. So those are like six. Six pack of what? Six to eight for two bucks.

[A]

But then why are you going like every day? And then Lime ride, pizza. What? Lime ride. Piazza. Lime ride. Lime ride.

[B]

You gotta say right.

[A]

Piazza, Piazza, Missouri Ford Bunaparte Piazza. So this is in it. Heathrow. That's not in and out. Western Village, La Mia. Nick the Greek, Baskin Robbins. Going into the liquor store. There's the cope. We found it. It's ridiculous. My guy. Listen. $620 interest charges. Your loan on this card, which is substantial for your $0 income, essentially 23.24% interest rate.

[B]

23. That's not bad. It.

[A]

It is, but I'm not gonna even go down that like. Okay, like how do I even. Okay, what's an example? I can even say. Why do you think it's not that bad?

[B]

Because, like I said, it's.

[A]

Why do you think 23 is not that bad?

[B]

Because it's like I said, there's people out there that are paying way more interest.

[A]

Tell me how that makes yours not bad though.

[B]

I mean it makes me feel. Not like it makes you feel.

[A]

So it's a cope. You're coping?

[B]

Yes.

[A]

But that does not mean it's not that bad. Correct?

[B]

To me. To me it does.

[A]

To me. What is the to me? Some things are objective realities. This is objectively bad. You disagree?

[B]

I disagree, yes.

[A]

How? Please tell me it's not objectively bad. Because other people have a worse.

[B]

Yes.

[A]

And because other people will have a worse. Can you tell me why that specifically makes it not bad regardless of your feelings?

[B]

Well, I mean, not that it's not bad, but it's like, you know, that's.

[A]

What we were just talking about.

[B]

It's. I just. I just don't see it that way.

[A]

That is not a response.

[B]

What what good am I going to be out of stressing over a credit card that, you know, at the end of the day, I'm still gonna have to pay?

[A]

So you wouldn't be spending on it. In that case, I'm Bull. I'm Piazza.

[B]

Yeah. Yeah.

[A]

Huh. You wouldn't be spending on it.

[B]

Well, I'm not spending on anymore, so.

[A]

Okay, I just saw it. Yes, you are. Since we got the statement, which was last month, it's gone up $900 or a couple hundred dollars.

[B]

Yeah, well, it's not gonna go no more, so.

[A]

That's not an answer. That's not an answer. That is. See, and this is what the worst of the worst do on the show. The moment they are backed into a corner to try to explain what they've done or what their mindset is, they said, well, I'm not doing it anymore, starting today. That is not an answer. I have no proof of that. I have no trust to that based on what you've done, you do not get out of a point by saying, oh, I'm going to stop it at this exact moment. That is bull.

[B]

That is not okay, because I'm. Yeah, I mean, I am going to stop, you know, I hope so after a trip to Vegas.

[A]

You're going to Vegas? Fucking when?

[B]

I don't know yet. Maybe next month, maybe sooner.

[A]

It's not booked. So you haven't even booked it and you're planning on doing it, and you think. And you think you're willing to do that? After this show, you're willing to do that? So it's. I'm gonna diet after this week. I'm gonna have one more week of fun that no one ever stops.

[B]

Hey, but it's a might. It's a mighty.

[A]

It's a might. A might is nothing to me. You told them it's already booked? Yeah, they're chatting to me. They know you. They know your entire life. They're telling me it's already booked. Is it already booked or was that.

[B]

I'm just kidding.

[A]

Huh?

[B]

Yeah, it's booked, but not. Not by me.

[A]

By who?

[B]

By some friends.

[A]

It's a boys trip.

[B]

No.

[A]

What is it, then?

[B]

It could turn out to be a boys trip.

[A]

So you're a douchebag. You are a douchebag. Good. And you have to Venmo them.

[B]

No.

[A]

Okay, so you don't have to pay for your ticket?

[B]

Yeah.

[A]

You do not have to pay for your ticket?

[B]

No.

[A]

Why?

[B]

It's. So this was actually a bet that, you know, we had going on, and One. One of them, one of the friends lost. And that bet was that if he lost, he would have to cover a, you know, a trip out to Vegas.

[A]

What was the bat?

[B]

That. So one of our friends is lesbian and she does not give off lesbian vibes. So we tricked him into. Because she was. She was into like she went up to him and took him into what? Like that he could have had gotten with her.

[A]

He could have. So the bet was that he.

[B]

That if he did, which he thought he.

[A]

He would. Someone not attracted to men.

[B]

Yeah. Yes, that so. And then he. He pretty much said he's like, it's a done deal. And little did he know that that was not gonna happen.

[A]

Lesbian.

[B]

Yes. So he owes us a trip to Vegas.

[A]

Okay. All paid for. He is paying for everything. So you are paying for no hotel, no food. No hotel, no food.

[B]

Nope.

[A]

No gamble. He's paying for your gambling.

[B]

No, I'm not gambling.

[A]

He is paying for your shows. Whatever you're doing. Yeah, everything. Not one cent from you is being spent.

[B]

Well, I mean, maybe like a hundred bucks me, you know? Huh. But that's.

[A]

And where are you getting that hundred?

[B]

Let's go from.

[A]

Okay. They are calling you out. I don't know what you are if you're on camera and nervous to tell the truth, but they're saying he loves going to a casino. Don't let this talk fool you.

[B]

No, do you mind?

[C]

Colton? Sorry, I stole the camera or I'm sorry, the microphone. So here's the thing. We were sitting in the green room and Mato gave me his cell phone, right. And I was trying to log him into. He was having an issue logging into the guest WI fi. And as I was holding it, he got a text message from somebody and the name of Chumash Casino. And now here's the thing. I'm going to call myself out. I love Chumash Casino. So we had a long conversation about Chumash Casino. And I saw. And the thing is, I know he lives 30 to 40 minutes away from there. I know that he told Colton when they had their pre interview phone call that you go all the time. But then he also told me that he's now maybe going to be doing some work with them, which here's the problem. When you get paid by a casino, you spend it at the casino. So that's what I know. Colton, did I miss anything?

[A]

I'm also going to Vegas in August. So we were talking about.

[C]

Okay, yeah, so Colton's going to Vegas in August. You told Colton that the Trip's already booked, so. Yeah, I feel like you're. You're skirting around some things here.

[A]

You're a lying piece of.

[B]

No, come on.

[A]

You just told me. How can I trust the words you say in this conversation? Certainly can't trust that you're going to change anything after this.

[B]

I'm trying to be as honest as I can.

[A]

No.

[B]

Yes.

[A]

No, objectively not. That's happened maybe one other time that we filmed. That is not an indication of someone that tells the truth. These children, man. Gonna have to get Dean Withers on the case for this one, Dean.

[B]

Or there's.

[A]

Okay. The Freedom card.

[B]

Oh, wow.

[A]

One card in. Oh, geez. Me. Freedom cards? What is this.

[B]

Freedom.

[A]

What's going on?

[B]

It's. That's an overall credit card.

[A]

That's what you said for the last card.

[B]

Yeah. This one as well. Surprise.

[A]

So it's not the.

[B]

It's one of many.

[A]

Okay, so are they all overall credit cards?

[B]

Yes.

[A]

What are you doing with this card in your. What do you even think you owe on this?

[B]

On which one is it the Freedom card?

[A]

Chase Freedom.

[B]

I think there's one that's like 1200.

[A]

There's two chase freedoms.

[B]

Yes.

[A]

Oh. $3,448.08 with a minimum monthly payment of $109. 13 years to pay this one off, both kids will be out of the house.

[B]

So that one I tend to use a little bit more. If you see transactions for vehicles for so business.

[A]

Okay, well, I saw that on the other card, too.

[B]

Yeah. Like I said, dispersed all.

[A]

But it is either this Come Wash Sports Bar.

[B]

Whoa. And there's no Sports bar in there.

[A]

Come Wash Sports Bar and Mercadio. Can it hurt her some? I don't know, but there. Yes, there is a lot of auto spending in here. Now, does that make sense? If you can't pay it off, an interest is accruing. If you went into O'Reilly and you bought a part, would you pay 30 more for that part if there was a 30 tax on it?

[B]

No.

[A]

Well, that's what you're doing because you put it on a card with a 27.99 interest rate, so you're paying.

[B]

But I mean, essentially, I'm going to get that money back.

[A]

No. From the customer.

[B]

Yes.

[A]

Well, you're killing your margins because let's say you have a 60 market margin now you're killing that by half.

[B]

Like I said, I'm gonna make that back.

[A]

Yes. So you're gonna do a 30 markup than the market demands for these car repairs?

[B]

More like a 20.

[A]

A 20% markup over the market?

[B]

Yeah.

[A]

So why are they hiring you? Clearly they're not because you're not making dick. But why would they hire you if you're 20% higher than the market? Because you have to be in order to make up for what you put on a credit card. Yeah, yeah. Why are they hiring you?

[B]

Because it's. They know me.

[A]

No, you made a thousand last month. Why are they hiring you at a 20 markup? Even still. Still does not cover that 30. Who.

[B]

Do you mean by they though?

[A]

Customers.

[B]

Because they know me.

[A]

So you made a thousand dollars last month?

[B]

Yes.

[A]

So why would anyone pay 20 over market rate for these? Because there's certainly no other. They're not gonna.

[B]

They're not gonna pay that 20 less and go to the store them themselves and do it?

[A]

No, no, I'm saying compared to the market, because your costs are higher to run your business and get your parts. If they go to another mechanic, it would be 20 less.

[B]

Well, yeah, like I said, that goes back to them. Knowing me, they.

[A]

You made a thousand dollars last month. Clearly people knowing you is not working.

[B]

You're asking why they. They go to me versus okay, so.

[A]

We'Re relying on like five people going to you?

[B]

Give or take. Yeah.

[A]

Five people is not living. Is there another part of this household? Are you alone?

[B]

Yeah.

[A]

What's your rent?

[B]

22. It's not bad, is it? For California?

[A]

Shut the up.

[B]

It's not bad.

[A]

Shut the up.

[B]

Still not bad.

[A]

Shut up, dude. Look, content creation takes a ton of time. I shoot everything myself. And even with a team now, there's always reshoots, retakes, editing. It adds up fast. And honestly, sometimes I wonder if I should have just started a faceless channel and saved myself the headache. But here's the thing. People connect with you. The face, the voice, the delivery. That's what builds trust. So if you're an aspiring creator and don't have a crew or tens of hours a day to make one video, Invideo is going to save you. Invideo just launched its AI twin and it's wild. You upload a short clip of yourself talking and it builds a digital avatar. Same face, same voice, sounds just like you. Then type in your prompt. That's it. Invideo turns that into a full length studio quality video with your AI avatar delivering it in your voice, even other languages. Your employer is literally offering you free money. And most people are saying no or don't use your face at all. They've got A full library of AI actors that can host your content and even interact with your product on screen. Just upload a photo or a link, and Invideo will integrate it right into the video with the actor. I replaced myself with AI and my video quality actually improved. Okay, hear me out. I was skeptical too, but this AI actor never has bad hair days, never stumbles over words, and is available 247 7. You're not scripting, not filming, not editing. You're just directing. And if you want to tweak something, just say, have the avatar appear more and change the scene of five seconds and it'll adjust it for you. More tools out there either over complicate things or only handle one part of the process. InVideo AI actually does it all and does it well. So if you're trying to create more content with less friction and higher quality, go to the link in my description. Check out InVideo AI. Create your own free avatar. This is how creators scale without burning out. Let's get back to the episode that makes no sense. How could you? How? How? How, How, How? You're suggesting you're never going to be one of the 1 in 13 people in California that are going to get an eviction filed against them this year when your rent is double what you brought in last month without selling a vehicle, and you only have one vehicle to sell left, and then you're done. Because even flipping a car, let's say you flip more cars, right? You have to have money to be able to buy the thing that you're flipping, even if you're buying it on the cheap selling or a little more expensive. You have no capital. You have no capital, you make no money.

[B]

I'm gonna start making money.

[A]

No, it's impossible. What? What do you mean? How? What? What? Okay, what's your strategy Besides. Besides charging 20 more than anyone else does, which is a winning strategy, and very bold.

[B]

Think I'm just gonna get another job and then.

[A]

Well, there you go. Now that's an actual solution.

[B]

Yeah.

[A]

Why'd you quit your job?

[B]

To begin to kind of go on.

[A]

My own, but with no plan.

[B]

No plan? Well, I mean, it was an idea, but, you know, nothing.

[A]

No, no, it wasn't just an idea. You quit your job. This was not just an idea.

[B]

I thought it was going to be a lot easier. And, you know, why would you suggest that?

[A]

How many successful business owners are there? Business businesses fail in the first three years. Endlessly.

[B]

So.

[A]

What the are you talking about? You thought it was going to be easy? You Know nothing.

[B]

I mean, one's naive.

[A]

Why did you think it was going to be easy?

[B]

Because I had the right. I thought I had the right people around me.

[A]

Right people around you for what?

[B]

To kind of advice, you know, Advice.

[A]

Okay. What would their advice be that you took? That has not worked.

[B]

I don't know.

[A]

That's.

[B]

That's a tough one.

[A]

Now I know why you actually left. Because again, you either don't remember the real answer or you're too nervous to say it on camera, or you're a lying piece of. But your co worker influenced you to leave, and I am not surprised because they showed up every day to work and you were there.

[B]

Hey, I was good.

[A]

I'd influence you too. In fact, I'm about 30 minutes away from influencing you leaving the studio. You've had a late fee this year so far. So not only the interest alone, just one. Doesn't matter. It's a late fee.

[B]

Yeah.

[A]

You are paying money to hold the balance that is accruing interest that is preventing you from ever having a successful business and of any kind, ever. Why does someone like you think you can even go to Italy? That doesn't. You can't even come close to a full.

[B]

That was before. Before.

[A]

Before.

[B]

No, it was into anything, you know, so it was three weeks ago.

[A]

You were still an entrepreneur at that time, ladies and gentlemen. Yikes. Hundreds of dollars in interest accrued that year, this year so far on that card. PayPal credit.

[B]

Oh, that's gonna.

[A]

What's going on? Other than. This is just a card I use.

[B]

So that one is more online purchases.

[A]

Online.

[B]

Online. Because I haven't set up two words. Checkout is.

[A]

So easy.

[B]

Yes.

[A]

Well, you've. Online purchase, obviously, endlessly. Because you owe $3,835.95 14 years to pay off. That's what.

[B]

The minimum, though, right?

[A]

With the minimum, without any purchases. But again, you purchase $244, so 4. You. And you only put on it towards the minimum, so. Oh, you.

[B]

Right back at you.

[A]

125 is your minimum. Oh, it's for Airbnb. What? Italy.

[B]

The Miami actually took.

[A]

What?

[B]

But that's. That was for.

[A]

What?

[B]

That was a while ago.

[A]

No.

[B]

Yes.

[A]

It was less than a month ago.

[B]

Was it? Yeah, that one was. Sorry, I got a little mixed up. Yeah, that one. There was. There was one in there for Italy.

[A]

Mixed up.

[B]

Yeah.

[A]

How do you get mixed up?

[B]

Cuz, I.

[A]

You travel that much? You dick. You have kids. You're a father.

[B]

Well, fathers can't travel or what?

[A]

No. Not when they can barely keep a roof over the kids they have. You don't pay child support.

[B]

No.

[A]

Because you got 50. 50 custody. You get any money? I know you get maybe a part of a tax child credit just at.

[B]

The end of the year when I do. Texas. Yeah.

[A]

Yes. Wish good luck this year. Air B. Air Mother B. Yeah. No, it was for this. No, it was for this. I have the notes. Use this card to pay for the music festival trip to Miami. And you admitted you travel to impress women you're dating. You wanted to impress a woman that you were flirting with, so you took her on a trip to Miami. Oh, my. These are the people making children. The trip was $2,000 in total. The trip was $2,000 in total?

[B]

Yeah.

[A]

That's four.

[B]

That was a couple years ago. So.

[A]

You can't travel just to impress women. Dude.

[B]

That was that one time.

[A]

Why the are you telling producers that? See, I don't believe you. Because you tell them stuff when it's like, oh, the camera's not on. Everyone's a lot more willing to share. All of a sudden you're on camera and it's like, oh, backtrack, backtrack, backtrack. Shut the up.

[B]

That was just.

[A]

Shut up. Don't believe you're worth anything. You've lost all credibility, this conversation.

[B]

Oh, wow.

[A]

What? You don't think you have. You've lied. Just kidding. Multiple times.

[B]

No.

[A]

Great rebuttal.

[B]

Okay.

[A]

Really convinced me. How many leafies have you had this year so far on this card?

[B]

The PayPal. I want to say one.

[A]

Okay. Three. About just half this year so far.

[B]

Yeah.

[A]

Father of the year.

[B]

Thank you.

[A]

That's not cute. That is not cute. That is not funny. You are a father. It's disgusting. Disgusting.

[B]

Hey, father. I mean, it's disgusting. You gotta. You gotta think about mental health, too, you know, I need to go out too, to kind of, you know.

[A]

You don't know. What flying to Miami for Sucking dick in Italy.

[B]

That's something you probably would do.

[A]

Yes, I like, I would go to Miami and.

[B]

Sure. No, Italy and.

[A]

Oh, sucking dick in Italy.

[B]

Something you would do.

[A]

I'm okay.

[B]

Like I said, it's. It's something. Yes. It's not. You know.

[A]

You know, you endlessly just do the I'm rubber, your glue. Anything you say to me sticks to you. That's your entire existence.

[B]

Sure, if you want to call it that.

[A]

There it is. Kind of again in a different format.

[B]

Yeah. So like I said, it's. It's something that. That, you know, takes Me off? You know, kind of.

[A]

Yeah, but it's endlessly. And it's your entire household financial situation which impacts your kids more than you come on in a slightly upset mood for one day. Unless you're a horrible person that takes it out on them, then. I don't have that fear.

[B]

You don't know me.

[A]

Are you someone that beats your kids?

[B]

No. The hell.

[A]

Then why are you saying that?

[B]

Well, yeah, you're making it seem like. Well, you're just saying I'm a horrible guy.

[A]

I'm not. I just said, unless you are, and you said, well, you don't know me.

[B]

Well, yeah, that's what I'm saying.

[A]

Like I'm not Dean Withers. Thanks for keeping us on our pacing, I guess.

[B]

Thank you.

[A]

Do you like a producer role? Yeah. You have some deferred interest happening, but that is for a very small balance compared to the rest of this, which is that basically 30%.

[B]

Is that the freedom we're talking about PayPal?

[A]

Oh, buddy, the freedom was. Well, the 15 minutes ago was because there's two PayPal credits not even similar. Oh, no. Oh, why? Why? Why are you breeding bread?

[B]

Not breeding.

[A]

You're getting bread.

[B]

Said bread.

[A]

I told you guys. He's. He's the one who gets bread. Yeah, with the boys. You in Italy?

[B]

Something you would do.

[A]

Good one. Bonvoy card. What's going on with this, I dare ask.

[B]

So that one started off just gonna be. Actually pay for the tickets to Italy. And then it turned.

[A]

Wait, I saw. Hold on. I saw flights on. I saw flights on the Apple card.

[B]

Yeah, from. From.

[A]

But then two different flight places.

[B]

Yeah.

[A]

So what. How many trips are we going on right now?

[B]

None. That. So the Italy was a little dispersed, if it makes sense, so, you know.

[A]

It doesn't.

[B]

I used multiple cards out there on one purchase.

[A]

How many flights did you buy? Were you flying around Italy?

[B]

No, those are.

[A]

We already had two flights on your Apple card. What is. What do you mean flights on here?

[B]

So not enough lights. I could have sworn I bought the tickets with. With that. With that card.

[A]

Okay, so you owe 5,149 and 91 cents with a minimum monthly payment of $157. And.

[B]

What? The balance is a little. A little higher. What. What do you have right there?

[A]

Bonvoy card. The one you. The balance.

[B]

What do you have right there? That's what I'm asking.

[A]

How would I have known that? $5,149.91. 6,000.

[B]

Flat 100.

[A]

Okay.

[B]

86.

[A]

Oh, for sake.

[B]

Okay. Which is not bad actually.

[A]

Minimum. What's the new minimum?

[B]

200. And let me pull it out before you scream at me.

[A]

I'll get you on the fizz card. Debit card that builds credit. That way it actually controls your spending. I'll also gift you a course career certification so that you can go get a real job.

[B]

What is a real job?

[A]

Huh? What's the minimum monthly. Oh my. With this guy. Oh my. It doesn't say.

[B]

It's because I just paid. It doesn't give me the.

[A]

I'll say. $175. Good. The luck to us.

[B]

I was gonna say 180 something.

[A]

I was gonna say. Shut the up. $95 in fees. This is an annual fee. Then $100 in interest. It is an annual membership. Man. Paying a membership to pay interest. What a blessed position to be in. $206 in interest this year so far. Yeah. Because relatively new balance. That's so ridiculous. So ridiculous. How long are you in Italy? Because that's also opportunity cost. So you're not making income just out.

[B]

There a week came.

[A]

Destroying your life and your kids lives for one week of pleasure with the boys getting bread.

[B]

Nope.

[A]

You're the one who said it, man. Okay, what about the second freedom card?

[B]

Second freedom card. So again, that one's all over a little bit of car parts.

[A]

You should become a commentary creator.

[B]

Right?

[A]

Instead of a car crater. You're so good at talking, right?

[B]

Yeah.

[A]

$4,813.13 with a minimum monthly payment of $161. 16 years to pay this one off. $113 of interest accruing basically maxed out. No one's surprised. All these. You won't pay off any of these minimum payments only without any purchases, which we know you're incapable of until the kids are out the of house. Which oh my goodness, I can't wait for them. Oh, you've had a late fee this year so far.

[B]

Yes, I did.

[A]

Why? Why are we having so many late fees? A ton on PayPal credit. One on both freedoms each. Bonvoy. Probably. I didn't even take a chance to look. And same with the Apple card. Why? Why so many late fees?

[B]

Pretty much payment. Customers kind of lagging on payment. Kind of set me back on income, so hence the late fee.

[A]

Well, walk me through that process. Customer payment process for you.

[B]

Yeah. So pretty much they tell me I was. I'm gonna get payment a certain date. I don't get it.

[A]

And I mean, do they have a legal contract?

[B]

No, but ask me if I do that. I do now. Yes.

[A]

Huh?

[B]

I said, from here on, I'm gonna do that.

[A]

Of course, from this exact moment, how many times do you lose payments because they don't pay? I thought these were people, you know? You said they're all people, you know?

[B]

Yeah, it's. Dude.

[A]

So show up at their door.

[B]

It's not that easy, you know?

[A]

No. You can't walk, can't drive.

[B]

Yeah, I could, but.

[A]

So what's the complication?

[B]

I mean, I do. I do give, but it's just them. They're just. They're. They're in a hardship, you know, they're.

[A]

Like, hey, why are you doing business with someone in a hardship? Why are you doing deb to someone who can't pay that back?

[B]

It's almost because they. In the beginning, they don't say that, you know, I. I go, because you knew them. Yes, but they don't tell me.

[A]

So you're like, okay, here's a 500. Deal. Cool. I'll pay you later. You come to them. Oh, I'm going to find.

[B]

They. I work on the car because it'll be this much. Okay. Boom. And then when I finish it, they're like, oh, they weren't expecting.

[A]

Prepay, prepay, prepay, prepay.

[B]

Okay.

[A]

I mean, that's what mechanics usually do is they get a diagnosis, say what needs to be done, and then you have to pay for it, and then they do it.

[B]

It. Not everybody works that way.

[A]

That's what the mechanic shops do, though.

[B]

I'm not a shop.

[A]

I know. Like, you're right. You're a failed business. So maybe let's take a look at those who haven't failed.

[B]

Okay?

[A]

So at least you're the one getting scammed instead of scamming everyone like most mechanics. Okay. So well done.

[B]

At least I'm an honest mechanic. Tell you that much.

[A]

No, no, you're a.

[B]

When it comes to fixing cars. Yes.

[A]

Well, that's not giving me reassurance for the cars driving around Santa Maria.

[B]

That.

[A]

Just be careful on the rose, ladies and gentlemen.

[B]

No, that's the people. That's not. That's just people have, you know, driving.

[A]

They got to be careful with people on the cars. Yes, they are driving when they're on the roads.

[B]

That's what I'm saying. They got to be careful.

[A]

Yes. Be careful while you're tri. I'm glad we both can agree that when people are on the road, they are driving.

[B]

Hey, you're the one that brought it up.

[A]

No, I'm not. But you Just don't know you. You don't hear yourself. I hope when you watch this back you find it. I hope you hear what you're saying. Instead of 27% interest rate. Thousand hours this year so far. No $616 this year so far in interest.

[B]

Pretty bad, huh?

[A]

What was that? Pretty bad. Yeah, that is bad. Almost want to give you a high five for that one. Discover it. What's going on with this card?

[B]

That one I opened up to consolidate all my Chase cards.

[A]

All the Chase cards that have thousands on them every time. Ladies and gentlemen, can we. Can I just. I need a just like sound that plays. Anytime this happens when someone consolidates, they don't change their behavior. They rack up their debt. Now they have double the debt. So moronic. And honestly, it doesn't even make sense because you're still purchasing on this card. That was a consolidation card to begin with. Oh, you're purchasing on it because it's a 0% card. Is that why 22 years to pay off, by the way. Good.

[B]

The.

[A]

You're laughing about that. You're going to be reaching the age when you can pull from your tax advantage retirement accounts penalty free when this card is paid off. Okay, dude. $143 minimum to payment with a balance of 7,000. The highest so far. $142.38. That's insane. How is your credit score 693? I have no idea.

[B]

Because prior, prior to those, I, you know, I was, you know, I had my. So this, all this debt just recently just went up, you know.

[A]

Well, when you decided to randomly quit a job and go to Italy. Yeah. Who would have thought? Yeah. No income and spending all our money leads to whoopsie, bye bye money.

[B]

Yeah.

[A]

Weird mathematical equation there that no one would have ever expected. What do you. What are you purchasing on this? It was gas. Yeah, I think.

[B]

Or car. I mean the new purchase. Yeah. Strictly just like.

[A]

Yeah, but it's insane. You're just boosting a boost and a boost in it, man. And it ends in less than a year. Inches free. Inches free ends in about nine months with this. Eight to nine months. Eight to nine months. So you. Without making any purchases, by the way. Without any making any purchases, by the way, you need to pay this off and you need to give about $883 to it on a monthly basis. 8.93amonthly basis just to pay it off before interest accrues. Now because it's not deferred interest, we don't need to freak out about It. And actually do that.

[B]

Yep.

[A]

But that is what would require to pay it off before interest hits.

[B]

It's actually. That's probably the. The worst one there. Yeah.

[A]

In terms of the highest balance, yes, I would agree. Okay. Slate card. What's going on with this?

[B]

So that one was an old. Or it's been an old one that just kind of lingers. I don't.

[A]

Well, you literally had $133.48 of purchases on it, even though $30.42 of interest is accruing. Even though you are not paying it off.

[B]

Off.

[A]

So is this lingering? No, you're actively spending on it. What are you talking about? You owe $1,330.42.

[B]

But I haven't used it in a while.

[A]

Okay. You literally just spent on it. You actual dumb. You actual creature. You actual mother. You actual father.

[B]

Date. What? Date. What?

[A]

It was this last month. It was this last month. There you go. June.

[B]

Oh. Oh.

[A]

And it was car parts, which, again, it's like, yeah, you got to do that for your business. But you're doing it on a car that is a crew in interest that isn't lingering. You're boosting it.

[B]

Yeah.

[A]

Bounce one up your tit.

[B]

But I mean, how?

[A]

How?

[B]

I mean, when you have. When you need to get a car fixed, like, I mean, do you. Would you rather not fix it? Not get the job done?

[A]

Have you ever had a dreams that. That you. You had you. Your own car or someone else?

[B]

Somebody else's. Like, I mean.

[A]

Yes. I would rather you go get a job that pays you instead of you trying this on your own because you're a complete failure.

[B]

No, not yet.

[A]

Yeah.

[B]

No, no.

[A]

Literally. Yes, Literally, yes.

[B]

I beg to differ. How? Cuz I think when you're a failure, you're. You're out on the streets, you know.

[A]

You'Re almost there, man. You have no idea how close you are, which is very scary and very upsetting as a father. $43 is your minimum payment on this. 5 years to pay off.

[B]

But to see. The thing is that what you don't see is. I don't. I don't always give the minimum payment of those cards. You know, I always give. Try to get more.

[A]

Buddy, you had late fees on almost every card we've looked at.

[B]

That was just last month.

[A]

No, you had. You had half the month so far on the PayPal credit alone, and the rest were just minimums. You put a little more than the minimum, but it didn't matter anyway, spent on it, and the balance Went up. So that makes no difference. So do the thing where you shut the up and I'll be happy.

[B]

No.

[A]

Hey, Creature. Apparently open a new card, right? Isn't that what we talked about?

[B]

Yes.

[A]

At the beginning. So pull it up. Let me see. Pull up. Your new card. Not the card itself. The app on your phone.

[B]

For which one?

[A]

Your new card. Are you saying there's multiple new cards?

[B]

No.

[A]

Then what one do you think I'm talking about? Oh, for sake. Okay. Saver. It's a saver card. Well done. Halfway to max out. You owe $227.40. Expected. Not expected. Transactions. Recent transactions.

[B]

Yeah, so that one's been.

[A]

Okay, guys, I have an announcement. I have an announcement. He went to the restaurant downstairs right before coming on the show. Yeah, right downstairs. He just blew almost 20 bucks before coming on the show where I'm yelling at about his spending. Maybe he didn't think I'd see the statement, but that's not a chain restaurant. That is a local one off restaurant. The sandwich place. Yeah, he went to it. It's pending right now. Before coming on the finance show, where his purchasers are. Dude, you're a dude. Winning. Got some. Went and got some. Little Caesar's Pizza. Went and got some. Winning. Got some. Got some. Got some. Got some. Okay, here's all the monster purchases now. Monster. Monster. Pollock interest pass. Doofy, you've just opened this card.

[B]

You.

[A]

Okay?

[B]

Yeah.

[A]

Just take that. Okay. Apparently I have a car loan. It says set an order. Pull from the last statement. Colton's saying you probably haven't attached it.

[B]

I can pull it up.

[A]

Again, not sending us your statements.

[B]

It is a 2016 Tahoe.

[A]

Okay, what do you all want it?

[B]

22.

[A]

22,000.

[B]

Sorry. 19,000.

[A]

19,000. You are on a car making a thousand dollars. A. What's your minimum monthly payment?

[B]

Nine. Sorry. 592.

[A]

What's it worth?

[B]

Right around 18.

[A]

That is true. Still underwater. But at least it's only a thousand dollars. We might actually sell it and do something different. Except you're gonna say you probably need it for work, but your work's a. And you're gonna go get a real job. So I don't really give about that excuse. What is the interest rate?

[B]

You're gonna be surprised for that one.

[A]

How high or how low? Because with you, I don't really know.

[B]

So this one actually was. Is low. It's 3% or 3. Starting.

[A]

3%.

[B]

3%.

[A]

Okay, 3%. And what is your minimum payment on the saver? I didn't put that in on a saver. 25 bucks I believe this car loan is so substantial.

[B]

Huh?

[A]

What is it? Saver. He can't do two things.

[B]

Okay, 20.

[A]

Do I need to let you focus?

[B]

Yes. Saver.

[A]

Focus guy.

[B]

Almost there. Okay. It doesn't. It doesn't give me ten dollars and seventeen cents. Just telling me the minimum payment.

[A]

Okay, sure, whatever. I'll say. 11 bucks. Yeah. This car is way too expensive for someone on your lack of income scale. If it was your previous job, it actually probably would have fit. But now it's Nazi gotta. Can you get your previous job back?

[B]

No.

[A]

Why?

[B]

Because there might be conflict of interest.

[A]

We'll deal with that in the post show. You know what we're actually gonna have you do? I'm gonna have you call your old boss and ask for your job back. So we'll do that in the post show. Okay. Checking account. That's it, right? No more debt. It doesn't look like $146. That's not a lot a snap on payment. So you have debt to snap on?

[B]

Not anymore. No.

[A]

That was your last payment.

[B]

Yes.

[A]

Well you'll fall for it again. People like you always do. Zelling out money. ATM withdrawal. Who knows where the that hundred dollars went? ATM withdraw. Who knows where the the that six hundred dollars went? Panda stick. Who knows. That's the food and zelian money out. $45. Far West Liquor, Coke, drink. Sure, sure sure. I need it. If I was around you too Cariana. Snap on going against and BS atm which are $180. Where does all this cash go?

[B]

Bills like utilities, trash.

[A]

Yeah, cash those.

[B]

I pull it out. Yeah.

[A]

In cash.

[B]

Sorry. No, no, no, no.

[A]

Well you look curiosity that Lindsay is.

[B]

Giving you right now is like what the. It's. Yeah, it's to pay some bills. Not. Not necessarily. It's more like people I owe money or whatever. But I don't. I don't. I mean I don't know like high amounts of money to anybody. So just.

[A]

Huh.

[B]

Foreign.

[A]

I'm sorry, I'm sorry. Listen, you're beyond me. You're beyond this conversation and it's not a give up situation. I'm gonna pay for him to sit down. I'm gonna pay for him to sit down with a budgeting expert. Sometimes we do that when people are too lost. This guy's too lost. He can't handle this conversation. I need someone who's willing to baby him from about five hours. Buddy, you're done. You're done. Honestly, in your budget's obviously because you don't make any money. That's why we're going to call your old boss in the post show. But you're done. Your financial score is 0 out of 10. I mean, you're so beyond done. So make sure you come watch us in the post show. Maybe we'll learn more about that debt to friends. But we'll certainly call his old boss and ask for his job back. That is for sure. See you in the post show. You are calling him right now. I don't give a. You are calling him right now and you're asking for your job back.

[C]

This is crazy.

[B]

Hello? Hello? So I'm trying to see if there's still opening if I can get a my job back for you.

[A]

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