I've Finally Met My Match | Financial Audit

I don't think you know what you're doing when it comes to running a business at all. I mean, did you know everything when you started this?

I don't think so.

How are you surviving?

How are you surviving?

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

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

I'll give you a financial audit, but I don't know if you have the ability to make it 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 today at dollarwise.com. Join the tens of thousands of people

who've changed their lives and join Dollarwise Central right now for free. Hi, my name is Mateo, 33, from Central Coast. Central Coast means a lot to some people, I'm sure. Yeah. Where the f*** is that?

That is in between-

Central Coast where? Santa Barbara and- California, are you trying to say California?

No, Nevada. Yes, California.

Why would the f*** would I know what Central Coast is. Whoa. Are you from there? Yes. So that's why you know what it is. Yeah. Okay, cool. From Central Coast. That's the name of the town. Name of the town is Santa Maria. So now I feel like I've actually heard of that. Especially early in the morning. Yes. What do you do for a living in a central coast?

Starting entrepreneur want to be a that's not a job

mechanic There's your job. What do you make doing mechanic? Say that again. Can you speak up? What are you is it because of the mechanic, huh, is it because of the mechanic yeah why you can't hear Yeah, that's a lot of you know, I mean you wouldn't know you looks like you don't get your hands dirty.

What did he say fuck me for?

What the fuck was that?

You said I'm kind of slow because of the mechanic. No, I asked if you can't hear. You wouldn't know. Do you even know how to turn a wrench?

Do you practice that?

No.

Buddy, I asked if you can't hear because of the mechanical noises, not because I didn't say slow, but now you're making me question it.

All right, continue.

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

No.

What do you make, Guy, in your mechanic position? Roughly, monthly, like about 10 to 15 grand. Whoa, that's incredible! Net? Net? Is that what hits your account? Yes. That's incredible! I didn't know we allowed f***ers to make that much money. Ha ha ha. So what do you do with that man? There shouldn't be much of a struggle. I use it to go out instead of being responsible and paying bills.

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 f***ing bills? I've pretty much been like that all my life, so I mean, just to change, I can't. It's hard to wrap around. You can't.

You cannot change.

I can.

But...

Why haven't you changed?

Part of me doesn't want to. What part of you cares more the lower part. Which one's the lower part? Oh, no, like, oh, oh, if just actually not missing buddy, you're in a podcast trying to talk to me here. What's going on? Okay, yeah, let's just let's do that. What's going on? Oh, okay. Yeah, let's just let's do that.

What is going on?

A 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, in order to, you know, make it a career. Well, what's your, okay, being an entrepreneur isn't a career. What are you trying to entrepreneur to?

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

Okay.

So you're a mechanic right now. You don't work for yourself. You work for someone else. So I do work for myself right now. Okay, so you're an entrepreneur that's working then. So what's the attempt? It sounds like you've done it.

Uh, doesn't feel like it.

Why?

I don't know.

Um, I'm not doing things correctly, maybe.

Oh, boy. All right.

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

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? I've been doing cars for about 10 plus years. On your own?

Oh, on my own.

Um, recent. Couple months. So I left, uh...

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

Um, not, not, um...

Have you been doing it for a couple months?

Consistently, no.

It's been two months. So you're saying one month you did, the other month you didn't? Yes. Okay, so you're giving me a $15,000 a month average based on one month making 15, the other making zero?

Well, not zero, necessarily.

What did you make?

Close to 10.

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

Yes.

Okay.

That's what it feels like.

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.

No.

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

Oh my goodness, forgive me.

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

Overhead is just one at the moment.

Just me. Okay, there's more overhead than just payroll. Okay. There's a look you have a location No, I'm mobile. Okay, so gas and Maintenance on your thing and tools and equipment and parts that you're buying right? Yes That's cost into the business, okay before you get paid before I get paid. Oh

Okay, and has a car falling on your head during one of these You get paid. Before I get paid. Oh, okay. And has a car fallen on your head during one of these mechanic jobs you've had. You know what, I don't really have a business plan right now. That's, it's just, I'm just winking it. I could have said that. I don't think we needed you to say that.

I think that was pretty clear. That was more clear than I think actually anything you've said so far. So you went on on your own. What were you making in the job before this?

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

Good, and that's not bad.

Yeah.

80,000 gross or not?

Gross.

Okay, still certainly not bad. Still, certainly not bad. I'm sure it's a pretty expensive area. So you're doing well. You were doing well. And now you're on your own. How did you hit it 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.

So. How'd you do so well out of the gate big guy? I have a couple cars that I bought.

You know. Okay.

And I think that part of that is you know. So it wasn't your business of doing automotive stuff for other people, you just sold cars that you already had that you flipped. No, no, no, no.

It was, well that's business,

that's part of my business, buying cars. What is your business then? Just tell me your business.

Mechanic, working on cars.

Other people's cars are your cars that you're flipping! What is the business? 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 a fix. How much of that came from you selling a car you purchased and flipped?

A little less than half.

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 car-moromic, but I at least know that. Buddy, also... And I... but I at least know that, buddy. Also, I don't understand what the f*** you're talking about. I had 5,000 hours that even came in. So, what are you talking about 10 to 15 in the last two months? Objectively, that is not what I saw. That is not what is listed here.

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

Track? How'd you tell me 15? How'd you even tell me 10 to 15 then? Big guy, how does that even tell me 10 to 15? That's what that's what I feel is coming in feel what the fuck is I feel 10 to 15 Yeah, I mean yeah, it's Money that comes in I don't necessarily count it or you know make

Off

Yeah, I mean do you track everything you do yes, I have concerns

Right I live off of

You need to relax, right? I live off of... You need to relax? Yes. Okay, I could go for a relax.

Okay.

What are you trying to say?

That you're being a little bit too harsh

on me not keeping track of my finances. Buddy, I've been like so gentle on you because I don't want to be clipped for... at a handicapped individual. Says, first of all, you look like a Tesla driver, I'll just tell you that.

Boom, roasted.

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? More like 2.5 seconds to 60. What about you? More like 2.5 and 10 seconds.

But how long can you do that?

Huh?

Nobody likes a quick finisher.

I always have them coming back. It's mostly because 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 in the first question that is asked on the show is how much do you

make?

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

Oh, no, you're not able to milk me for endless repairs because it's a car that doesn't need maintenance. It's like your industry is going away because no one gives a f**k anymore about keeping you people alive for scamming everyone. Oh, scamming easy there. Oh, come the f**k on. Oh. Honest work right there. 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 f*** 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.

As long as I have enough to pay my bills,

then that is- Hey, you don't, 5,000. What 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. 68. 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 those business expenses you might try to claim it as such, but no.

Okay.

Forgive me.

You're forgiven. So, but you keep saying, you said as long as I have enough to pay my bills, you don't, not even have to pay your taxes apparently. Well, I mean, that's still for next year.

So I still have time.

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. I'll just work.

Okay, how do you make?

What?

How's that actually a solution? you working more right now than to make more money and pay off your debt and get in more than if the solution was work more.

I am working more.

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

That doesn't make sense.

How does that not make sense?

You said work.

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?

I didn't say I was working more, I just said I'm gonna work more. You just did. No, you literally- Rewind! rewind But what are you gonna 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. I'll just work more.

There you go. It was played in the video. Watch it back.

Okay, uh...

So... 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? Because I feel like the debt is always,

I mean, everybody's in debt. You're not gonna tell me you met one person that's not in debt. Yes.

Are you in debt?

I have a mortgage.

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

It is a type of debt.

So I feel like it's-

I've had debt, but I've met people who are debt free.

So debt's always going to be lingering, you know?

Or not, because- Or yes, you could be debt free, but even still, debt. Okay. You have bad debt. I don't see it as bad. 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. What makes you say it's a bad debt? It's good. It has high interest. What is it at? Uh, 20 something, 21. That would be bad. So I think I have a good. You're talking about like a payday loan.

Yeah.

People have it worse, you know. 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 does that mean that doesn't all of a sudden excuse you?

I believe it does, because.

You believe it does?

Yes.

Because I'm still making.

Go ahead, try to form that thought.

Hey, I'm paying the credit card off. No. You know.

No.

Yes.

Wrong! No. You know? No. Yes. WRONG!

No.

I'm giving payments to the card. Yeah, you spent two thousand 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 moves on. You're not paying off debt because you're spending more than you make. So... Oh, okay.

No, no, no thoughts on that. He moves on. Go ahead.

Continue.

Where are you going?

No, I'm just saying like... Where are you going in your journey? Your mental journey right now?

Um, I'm trying to make money, you know?

I know.

In the business.

It could become pretty lucrative. 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, guy.

If...

What? What are you trying to say? I'm trying to say, yeah, you keep cutting me off.

Whoa.

Talk! Then! Ah, there. So, where were we with the business? Stare contest or what?

I'm doing it at a time because I'm stressed. What? I'm looking at Hispanic Saddam right now.

Yahweh!

Says...

Yeah, go ahead, try.

I don't wanna hurt your feelings.

Tesla?

No?

Spooky spooky.

A little Tesla fanboy.

I'm not even a fanboy, I just like driving a fast car that has better technology. It is not a fast car. That is objectively incorrect.

You can hate Tesla and you know it's a fast car. Unless you have the plan, you ain't fast. I have the plan. And you're still slow. Anyways, you're taking this somewhere, where it's not going well. Let's get back on track. Put your glasses on.

Okay.

Where do you think your money's going? Come on, you're running your business. Where do you think your money's going? Come on, you're running your business. Where do you think your money's going? And I know it's all intermingled. I know for a fucking 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?

4,000.

Okay, you brought him five. So you only made 1000 outside of that?

No, no, no.

I made it more.

No, you did not.

Yes, I did.

No, you didn't.

I mean, I have your numbers. Was it cash?

Huh?

Undeposited cash?

No.

It was-

Okay.

It was-

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

So you wouldn't give all your statements?

Yeee-

No, it's there.

Okay, I have a- So, so it's here, so yeah, you brought in 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.

Yeah, that's for the previous month.

Are those all your counts?

Yes.

What's for the previous month? That, I think what you're trying to say, that $1,000

that I just had come in was for the previous month.

Yes, the most recent month.

Yes.

Yeah, not this month. You've been in business for two months. You said $15,000 the first month, $10,000 the second. You made $5,000, $4,000 from selling the car, Good. Yeah, so you agreed to it? Yes, you made one thousand

1,000

Okay, very good now. Oh, I guess we didn't have all the statements cuz 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? Yeah. It's like, uh, uh, just yesterday. So you're yesterday. This guy, hey, they call me not financial audit and you just open a credit card the

day before this. Yeah, it was a special offer. What was the offer? For special people? 0% interest. For what? And how long?

That's all? It's just the fact that it's 0%? Borderline every card starts at 0%. Yeah.

Okay. So you opened it. My other cards were getting a little high and they do have interest.

No, you just said you're paying off your cards. Yes, but they have interest you just said they were getting a little high yeah Balance which one is heads? This one did your I don't know how you even made it here. How'd you even find your way to the door?

Well this place is not hard to miss

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 suspecting that there's more debts that we don't even know about because you're incapable of anything.

No, that is incorrect.

I gave you everything. Except for the credit report that we asked for. Oh, I'm pretty sure it's there. Have you, did you, have you looked? Yes.

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Average first year credit score impact between 84 points. Finish score 3.0 between January 2023 and January 2024 for Kickoff credit account users who start with a score below 600, 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. Yeah. You know, I see a lot of other YouTubers, you know, make content out of cars, you know, fixing wherever, buying rec stuff and fixing it. And then, you know, I'm sure a very saturated market on the content side. Yeah. OK, so that inspired you to get into cars, though, just saying.

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

Are you saying you're trying to make YouTube?

Trying to, yes.

It's a part of advertising or as your career. More more as a career. So is it cars or is it YouTube?

Can it be both?

¿Por qué no los dos?

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 them money in their car business? Or you think they're curating what they're doing on the cars based on what works on YouTube

and makes them a living there?

I haven't given a thought.

I thought it was- 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 sentences. I do know I want to make content with cars. No, we got that part.

Yeah.

You've gone, you just asked if I- 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 gonna make, are you gonna do things with cars

based on what's good for your YouTube business? Cause it rarely, rarely ever hits both. Yeah. So YouTube side. Yeah. Even though you're kind of well, actually not really making money from the rest of us to this stuff. Yeah. So you've started a channel and you're uploading. No. See? See? See what?

No, I'm saying see, that's where I want to get to his me. Well. I mean I do have a channel That's where I watch a Lot of stuff, but I haven't posted anything cuz I'm just I don't know where to start you know post post I mean honestly okay, I mean like the full like without even me man on ya just post that's where people fail Just post

Start somewhere. Learn it. You don't learn it 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. I mean, did you know everything when you started this? I don't think so. When I started this, no, but I wasn't jumping in 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 Okay, so I'm not very successful. Not a full-blown shop. You know, I'm it's just me by myself exactly But you know nothing about 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. Uh, 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.

So did you copy like, what's that little short guy's name? Stefan.

Graham Stefan? No, he talks at the camera and talks about financial topics. Well, isn't that what you do? Are you a moron? What are you... Am I talking at the camera right now about financial topics? Yes, you were.

No, I wasn't.

I seen your little lazy icon looking at the camera. My little lazy icon looking at the camera?

Yeah, your right eye.

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 so 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. Mechanic related channels that they've been watching forever.

Well I mean that's something you figure out as you go. Okay, so you can't have.

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.

Yeah.

And it was a thousand. No, it was more than that. It literally, there's no count of it, so... Well, then where did it come from?

Huh?

Where'd it go to?

Bills?

No, no, no.

Oh, God.

Did, okay.

So, what you are suggesting with that is that your clients directly paid your utilities. In a way, yeah, because they paid me for... 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.

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

You're a dumb son of a bitch.

I just asked that earlier and you said no. You just asked that earlier.

Yes, and you said no!

No?

Was it cash? earlier yes and you said no no well it was a cash huh undeposited no it was it was maybe I didn't put that statement in there yes that's what you said no that's I think that's what you oh my dude oh he is good luck man honestly good the clock I don't I'll give you a financial, but I don't know if you have the ability to make it in life. You might need to be shackled down in a job somewhere forever and coddled.

No.

Because hova f**k, how are you surviving?

I'm doing good. How are you surviving?

Are you happy? Are you happy? Yes, I am happy. It really doesn't look like it. I'm not happy talking to you, but I'm happy in life. But I do know, I mean, okay, I mean, this is sad. Sorry, I did not 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.

What?

You told the producers your ex passed away.

No, you are.

Colton, did he tell you his ex passed away? He did. Well, he did. So what the?

Well, she almost did. Just kidding. Just kidding.

Just kidding.

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

Oh, that's different. That is very different. I was going to be very empathetic to how she's dead. Do you see you guys broke up? Yes. How long ago? Long time ago. Why 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 nope so what is your plan big guy before we jump into these finances cuz you know you have debt you know 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.

Well, I mean, I got to stop going out.

That's...

So cut back.

Right. So let me summarize our entire plan. Cut back. Yeah. You have no other strategy behind cut back. That's all you've got. Well, I mean, if you have a lot of stuff coming in, you gotta, you know, you gotta...

Give me a detailed plan. Start to end your financial plan.

I don't have one.

No, 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?

Go back on expenses.

You have kids?

You have children?

I have eight.

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Let's f***ing go!

You have eight kids.

Yeah.

No, I'm just kidding, I have two.

Dude, are you?

Okay, you don't.

All right, I'll be serious now.

Have you not been serious?

Yes.

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

Five and 12.

Do they live with you?

Half time.

Really?

And what are you doing? You're f***ing everything! It's no longer- They're taking care of- Shut the f*** up. It is no longer comedic when kids get in the picture. Excuse me, do you have kids?

No. I don't know what that has to do with you not taking care of your kids. Well, I'm taking care of them. Every time I push, I give you something that you're doing wrong. You say, well, do you? It's like, what the, you're a child. I am a mother. And you have children.

Yes, I have children too.

It's always the dumbest people to have the strongest nut. Let me tell you, today, man, what's your detailed financial plan leaving here? If I had to assign it to you, tell me what you would do. 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 to, um, I would try to minimize stuff that's- Talking louder is not going to help you think. But keep trying. Minimize expenses that are not necessary. Oh, that's the end of it. That's our detailed plan.

Well, I mean, that's a start, you know?

Good, that's why I'm here.

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 fucking dildo. Great. No, you can take yours off.

Huh?

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

Yes.

My dildo. So you have, can we get back to the topic? You are a creature that I have never come across. A creature like yourself, man. My pleasure. It's very interesting.

And 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... Who are you to tell me how to think or what not to say? But you didn't say either of those things.

What? I didn't say 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? There's the first time you did it. I'm unique. There's the first time he did it. Oh, there it is. He did it. He figured it out. Okay.

What do you think your finances are? Zero to 10, zero being the worst, 10 being the best.

I'd say like three, three, four.

Why do you think? 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 paid.

That's it, that's your whole score. Okay, he's max, max, three-fourths of a sentence is what you're capable of forming. Right, 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 go to CalebHamwise.com. You get it for free, big guy. If you can figure out how to access it

when we send it to you.

You get it for free.

I'm pretty sure.

You're pretty sure what? I'm pretty sure I figured it out. Do you have a computer?

No.

Of course I do. Come on, who doesn't?

No, I 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 get him to the comedy mothership ladies and gentlemen. This guy's gonna be a new regular there. Rogan, get him on.

More like, um, Frick what's his name?

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

Thank you.

Okay, apple card. So what's going on with this card, big guy, what's going on here? Whole lot of expenses. Detailed as always, you know? Yeah. So pretty much the debt you see there is, you know, on vibes experiences. So what do you mean? Yeah. Bad explanation. If I'm being honest.

Try it again. What do you mean? There's a lot. I mean, don't you see what purchases I've made? No. It's the first page, you silly goose. 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. Maybe just 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? That's a very overall use card, you know, groceries.

There's a couple of car parts in there.

Can her, you know, my business expenses, too. Yeah. So you have an everyday card plus business. Yeah, you'll see. You'll see that there's a couple on there like that.

You're right there?

Okay.

My burp?

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

I'm not, I just burped. I'm just a little confused.

All right.

So your balance is $5,987.

About that. So your balance is five thousand nine hundred eighty seven dollars about that

As of today, it's actually a little bit higher just a little bit though good dude. We're paying off our debt We're paying off our debt. We're paying off

Huh? Okay

What's the new balance just a couple hundred bucks?

six what is the new

Balance you did answer the question six thousand eight hundred something 6,000 eight That's not a couple hundred dollars. That is nine hundred dollars higher couple hundreds Would be a few huh? Oh So hold on You are you're from Central Coast?

Yes.

Were you born there?

No, I was, yeah, well, no, no, I was born in LA.

Okay. Then I don't know why you don't know words.

I'm asking your questions. You're saying where do I where where was I born? And I said no, not from

$200 more. That was just $200 more. $900 $900 more. Yeah, it is 900. So that pull it up on your phone. Put up on your phone. That was actually up on your phone. Pull it up on your phone. That was actually- Pull it up on your phone! That was a trip to Italy. You went to Italy?

Yeah.

Who the f*** 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 sh**! You've abandoned your children

Not at all you split pull out your phone right now

What do you want to see on it?

the Apple card

you

Creature

Settle down

Dude, she 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 and getting some bullsh**. Going to the gas station to get some bull.

Mineral spread, something, I don't know. Western Village, Crave Mini Donuts, Domino's, going in and getting some BS, Craigslist. You're fucking, what are you, you're cruising? No, that's for vehicles I post.

Strictly business.

Good f***ing death. Dude, what is your minimum payment on there? I didn't see.

Oh, like 187.

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

You would have looked.

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.

Thank you, so you don't look good as well.

**Applause** **Laughter**

Okay, yeah, what's the balance big guy?

**Laughter** Okay. Hold on, hold on. Yeah, what's the balance big guy?

172 Do you need to see that? It's a 172 minimum Okay, so it hasn't been do you know as long as you read it, buddy? As long as you're not trying to fly or something, which I don't know. Well, are you gonna say just kidding? Are you gonna pull the fourth one?

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

It's okay.

Okay.

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Terms and conditions apply. The Guild is a creative property of Activision. Trademark in copyright 2025. Let's go through your purchase in the most recent. By the way, how long do you think this is gonna take to pay off? If you only make the minimum three payments, and you do not make any purchases.

Realistically speaking.

Realistically, perfectly.

Realistically speaking.

Realistically speaking.

Like two to three years.

Dude, this guy's, okay.

20 takes, but see, so I don't see it like that. But see what, it's 20. Yeah, but Getting something out of that, you know, I'm getting ha trips, you know, you're getting trips Yeah, I'm getting trips out of someone else's money that you're getting Take you forever to pay off. Yeah, but I'm still paying it so it's coming out of my pocket

Experiences, you know, have you had any experiences? Yes

Why do you keep throwing? You're so weird dude. You are so weird There we go on trips with with me and my friends my boys. You know Your kids you and your boys. Oh Dude, you're not planning next year to go would take my boy. I let you know something my boys 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.

How?

I'm sorry, but it doesn't seem like it. How, so what do you mean? Okay, you quit your job, you make no money for food, and the kids that you have to take care of half of the time are there. So, f*** you. Yes, that is what a bad father would do. You don't prioritize boy trips over taking care of the kids. I take care of the kids.

But it's on debt now. No, you won't. Well, the debt's not maxed out. You don't have a job for two months. You've only sustained yourself by selling cars you already had. I have it's now it's it's this. You have a truck left to sell. This past month was was not. You've had two months.

And it's not the end of the world.

That's 50 percent. Not the end of the world. 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. F**k me, man. And it was a boy's trip. It was. That's not what a good person does. You don't f*** other people and you could be f***ing your kids. They don't have a college fund. You can get affected. Putting food on the table gets hard when you don't have money.

You don't put the boys trip over that, dick!

In my defense, that's... my kids are taken care of, right?

How?

It's not like, it's not like, oh...

Tell me how they're taken care of. under the heads until they don't. You think no one loses? I lost my train of thought. You freaking know. They're taking care of. Go on, please.

They're taking 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.

Clothes, probably debt, food, probably debt until they're maxed out. No, no, I have, you know, there's there's jobs that I have, you know, I pay cash and I get them stuff. So, OK, IRS ring ring. OK, what it's what it's not like, you know, breaking in your rent, right? Yes. Yeah. Seven point eight 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 their head, that it's not a permanent thing, that it's almost 10% get an eviction filed against them. That's substantial.

Okay, well I don't want to get to that point, you know?

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're bringing a thousand from your business, you spend it all on boys trips,

the food and clothes goes on debt Debt 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 right and you get evicted And then good luck ever getting a place to go. Yeah, that's all what if should have could have would have 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. These are possibilities. These aren't hypotheticals to the past.

These aren't hindsights. 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, yet you say it's not possible,

so you haven't thought about it at all. Or you've just completely found some cope. There's other dads out there that are doing way worse, you know? What does that mean? Just because the dad is hitting their kid

doesn't mean you not being able to pay your rent is good. But I am paying my rent, so. For now, do you not understand what I am saying? Well, that's what I'm trying to defend, but I'm trying to... Nearly one out of ten renters yearly!

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

Oh, f*** off. Come on, dude. You, three weeks ago, you and your boys were giving each other blowjobs on the plane to Italy. Oh, I wish I wouldn $540 Gucci bucket hats.

You're a douche! No.

Yeah, you're kind of a douche.

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

What did you sell it for?

$300.

Yeah, there's no way in hell it's going to get- Probably just to survive and that shows us how close you are. By the way, I sold it in the last month on the Apple cart.

Apple bill.

Going into getting into bullshit. Okay, tell me when you go to the gas station and you spend three to five dollars, what the fuck are you getting?

Energy drinks.

Of course. Oh, there it is.

Oh, look at that.

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.

I mean, in my defense too.

In his defense. I buy the little caffeine pouches. So those are like six, six, a pack of what? Six to eight for two bucks. But then why are you going like every day? And then Lime Ride Pizza, what?

Lime Ride Piazza, Lime Ride, Lime Ride.

You gotta say it right, Piazza.

Piazza, Missouri Ford, Buonaparte, Piazza, so this is in Italy, Smith Heathrow, that's not, In-N-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 of interest charges here alone on this card, which is substantial for your $0 income, essentially. 23.24% interest rate.

23%, that's not bad.

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?

Cause like I said, it's...

Why do you think 23 is not that bad? Because it's like I said, there's people out there that are paying way more interest. Tell me how that makes yours not bad though.

I mean, it makes me feel not like it's...

Makes you feel so it's a cope. You're coping.

Yes.

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

To me, to me it does.

What is the to me? Some things are objective realities. This is objectively bad. You disagree? I disagree, yes. How, please tell me.

It's not objectively bad because other people have it worse? Yes. And because other people will have it worse? Yes. And because other people have it worse, can you tell me why that specifically makes it not bad? Regardless of your feelings? Well, I mean, not that it's not bad, but it's like, you know, that's what we were just talking

about. It's I just I just don't see it that way. That is not a response. What good am I going to be out of stressing over a credit card that at the end of the day I'm still going to have to pay? You wouldn't be spending on it. In that case.

On bullsh**? On piazza?

Piazza, yeah.

Uh huh, you wouldn't be spending on it. Well I'm not spending on it anymore, so. 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. Yeah

Well, it's not gonna go no more. So

That's not an answer. That's not an answer That is see and this is what the worst of the worst to do on this 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 I'm gonna stop it at this exact moment

That is bullshit

That is not okay Because I'm yeah, I mean I am gonna stop you know After a trip to Vegas. You're going to Vegas? F**king when? I don't know yet. Maybe next month?

Maybe sooner?

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 die that after this show. You're willing to do that. So it's a, I'm gonna die it after this week. I'm gonna have one more week of fun. Then no one ever starts.

It's a might.

It's a might. 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 just kidding? Not by me.

Huh?

Yeah, it's booked, but not by me. By who? By some friends.

It's a boys trip?

No.

What is it then?

It could have turned out to be a boys trip.

So you're a douchebag. You are a douchebag. Good, and you have to Venmo them? No. Okay, so you don't have to pay for your ticket. Yeah.

You do not have to pay for your ticket.

No.

Why?

It's... So this was actually a bet that, you know, we had going on and 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. What was the bet? That, um, so one of our friends is lesbian, um, and she does not give off lesbian vibes. So we tricked them into, uh, cause she was, she was into, like she went up to him and they were kind of vibing. Tricked him into what? Like that he could have had gotten with her. He could have f***ed her. So the bet like that he could have gotten with her.

He could have. So the bet was that he that if he did, which he thought he would, that someone not attracted

to men.

Yeah.

Yes, that.

So he did that. 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.

That she's lesbian.

Yes.

So he owes us a trip to Vegas. Okay, and he is paying for everything. So you are paying for no hotel, no food. No hotel, no food. Nope.

No gamble.

No, I don't gamble. He's paying for your gambling. No, I'm not gambling. He's paying for your shows, whatever you're doing.

Yeah.

Everything. Well, not one cent from you is being spent. Well, I mean, maybe like a hundred bucks, me, you know?

Uh huh.

But that's where you're getting that hundred.

Let's go.

From.

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.

No.

I didn't take those out. Do you mind, 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 Mateo gave me his cell phone, right? And I was trying to log him in to,

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 then the name of Chumash Casino. And now here's the thing, I'm gonna 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 gonna 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?

I'm also going to Vegas in August.

So we were talking about-

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.

You're a lying piece of.

No.

Come on, you just told me. How can I trust the words you say in this conversation? You certainly can't trust that you're gonna change anything after this.

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

No.

Yes.

No.

Objectively not. That's happened maybe one other time that we filmed. That is not an indication of someone that tells the truth.

Yeah.

These children, man. You're gonna have to get Dean Withers on the case for this one. Dean Withers. Okay, the Freedom card. Oh wow, one card in. Oh, jeez, f*** me.

Freedom card, what is this?

Freedom card.

What's going on? That's an overall credit card. That's what you said for the last card. Yeah, this one as well.

Surprise.

So it's not the, it's...

One of many.

Okay, so are they all overall credit cards? Yes. What are you doing with this card in your... What do you even think you owe on this?

On which one is it?

A freedom card. Chase Freedom. I think there's one that's like 1200. There's two Chase freedoms? Yes. 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.

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

business.

Great. Well, I saw that on the other card too.

Yeah. Like I said, it's dispersed.

Dispersed all, I'll throw my cards.

But it isn't either, there's come wash sports bar.

Whoa.

And there's no sports bar in there. Come wash sports bar and Mercadio, can't answer 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

in interest as 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?

No.

Well, that's what you're doing, because you're paying.

But I mean, essentially I'm gonna get that money back. No, no.

From the customer, yes. Well, you're killing your margins, because let's say you have a 60% margin, now you're killing that by half.

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

Yes, so you're gonna do a 30% markup than the market demands for these car repairs. More like a 20 a 20% markup over the market Yeah, so why are they hiring you clearly that or 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?

Because it's...

They know me.

No. You made a thousand last month. Why are they hiring you at a 20% markup? Which even still does not cover that 30%.

Who do you mean by they though?

Customers.

Because they know me.

You made a thousand dollars last month.

Yes.

So why would anyone pay 20% over market rate for these? Cause there's certainly no other. They're not going to pay that 20% less and go to the store themselves and do it. So they'd rather pay. No, 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 an other mechanic, it would be 20% less.

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

They made a thousand dollars last month. Clearly, people know you as that. You're asking why they go to me versus. OK, so we're relying on like five people going to you, give or take. Yeah. Five people is not living. Is there another part of this household?

Are you alone?

Yeah.

What's your rent? 22. Oh shut the f*** up! It's not bad. Shut the f*** up!

It's still not bad.

Shut up dude!

Look, content creation takes a ton of time.

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go to the link in my description and check out NVIDIA 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 gonna be one of the one in 13 people in California that are gonna 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 it a little more expensive, you have no capital.

You have no capital, you make no money! I'm gonna start making money. No, it's a part, what do you mean? Okay, what's your strategy besides charging 20% more than anyone else does? Which is a winning strategy and very bold.

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

Well there you go, now that's an actual solution. Why'd you quit your job to begin? To kinda go on my own, but go on my own but With no plan. No plan Well, I mean it was an idea but you know It wasn't just an idea you quit your job. This was not just an idea

I thought it was gonna be a lot easier and you know

How many successful business owners are there business businesseses fail in the first three years endlessly. So what the f*** are you talking about? You thought it was going to be easy. You know nothing. I mean, one's naive. Why did you think it was going to be easy?

Because I had the right people.

I thought I had the right people around me. Right people around you for what? To kind of advice, you know? Advice, okay. What would the advice be that you took that has not worked? Um... I don't know, that's a tough one. 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 s***. But your co-worker influenced you to leave.

Mm-hmm.

And I am not surprised because they showed up every day to work camera or you're a lying piece of s***, 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. 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. It doesn't matter. It's a late fee this year so far. So not only the interest alone. Just one. Just one? It doesn't matter. It's a late fee.

Yeah.

You are paying money to hold a 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 40,000.

That was before.

Before, no, it was three weeks ago.

Before putting any thought into anything, you know?

It was three weeks ago. You were still an entrepreneur at that time.

Oh boy.

I have no.

Ladies and gentlemen, yikes. Hundreds of dollars in interest accrued that year, this year so far on that card.

PayPal credit!

Oh, that's gonna be...

What's going on other than this is just a card I use? So that one is more online purchases. Online purchases? Okay. Online, because I haven't set up two words. Like, you know, checkout is. That's so easy.

Yes.

Well, you've online purchased obviously endlessly because you owe $3,835.95. 14 years to pay off.

That's what the minimum though, right?

With the minimum without any purchases, but again you purchased $244 so few and you only put on it towards the minimum so oh

Q

Right back at you

$125 is your minimum oh It's for Airbnb What Italy the Miami actually took what but that's that was? for Airbnb. What? Italy? The Miami. Actually took.

What?

But that's that was.

For what?

That was a while ago.

No.

Yes.

It was less than a month ago.

Oh, yeah. That one was. Sorry, I got a little mixed up. Yeah, that one.

There was there was one in there for Italy.

You got mixed up?

Yeah.

How do you little mixed up. Yeah, that one there was there was one in there for Italy. Mixed up. Yeah. How do you get mixed up?

Because you travel that much, you dick. You have kids. You're a father. Well, fathers can't travel or what? No, not when they can barely keep a roof over their kids. They have you don't pay child support.

No, because you got 50 50 custody. You get any money. I know you get maybe a part of a tax child credit. Mm-hmm Just at the end of the year when I do Texas. Yeah. Yes, wish haha. Good luck this year. Yeah, and be air mother be Card no it was cheaper. 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 f***!

These are the people making children. The trip was $2,000 in total. The trip was $2,000 in total.

Yeah.

That's f***ing...

That was a couple years ago, so... You can't travel just to impress women, dude.

That was that one time.

Why the f*** 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. And all of a sudden you're on camera and you're just like, oh, backtrack, backtrack, backtrack. Shut the f*** up.

That was just one time.

Shut up.

Don't believe you have you've lied just kidding multiple times

No Great rebuttal Okay three

about Just half this year so far. Yeah. Father of the year.

Thank you.

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

Hey, father, I mean...

It's disgusting. You gotta think about mental health too, you know?

I need to go out too to kinda, you know?

You don't know what it's like in Italy.

That's something you probably would do.

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

No, Italy and.

Oh, sucking dick in Italy.

That's something you wouldn't do.

I'm okay.

Like I said, it's, it's something, yes, it's not, you know.

You know, you endlessly just do the, I'm rubber, you're glue. Anything you say to me sticks to you. That's your entire existence. Sure, if you want to call it that. There it is, kind of again, in a different format.

Yeah, so like I said, it's something that,

that, you know, takes me off, you know, kind of. Yeah, but it's endlessly, and it's in your entire household financial situation, which impacts your kids more than you. Come on, being 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.

You don't know me.

Are you someone that beats your kids?

No, the hell?

Then why are you saying that? Well, yeah, you're making it seem like, well, you're just saying I'm a horrible guy, I'm not. I just said, unless you are, and you said, well, you don't know me. Well, yeah, that's what I'm saying, like, I'm not. Dean Withers. Thanks for keeping us on our pacing, I guess.

Thank you.

Do you like your 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 at basically 30%.

Is that the freedom?

We're talking about PayPal. Oh, buddy. The freedom was 15 minutes ago. What's because there's two PayPal credits that even similar.

Oh no.

Oh, why? Why? Why are you breeding? Simulator Oh no, oh

Why why are you breeding?

Bread not breeding

You're getting bread? Said bread. I told you guys He's he's the one who gets bread. Yeah With the boys you and Italy something you would do Good one. Bonvoy card.

What's going on with this? I dare ask. So that one started off just going to be actually pay for the tickets to Italy.

And then it turned.

Wait, I saw. I saw flights on the Apple Card. Yeah. From two different flight places. So how many trips are we going on right now?

None.

So Italy was a little dispersed, if that makes sense. No, it doesn't. I used multiple cards out there. On one purchase

How many flights did you buy we find around Italy? No?

Those we already had two flights on your Apple card. What is what do you mean flights? I'm so not enough lights

Like I could have sworn about the tickets with with that with that card, okay, so you know five thousand one hundred forty nine

with a minimum monthly payment of $157. And...

What?

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

Envoy card.

The balance!

What do you have right there?

That's what I'm asking.

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

Clap?

$100?

Okay. $86. Oh, for f***'s sake, okay. Which is not bad, actually. Minimum. What's the new minimum?

$200 and... Let me pull it out before you scream at me.

I'll get you on the Fizz Card. Debit card that builds credit. That way it actually controls your spending. I'll also give you a course career certification so that you can go get a f***ing real job.

What is a real job?

Uh-huh. What's the minimum monthly? Oh

My foot this guy Oh my it doesn't say it's because I just paid it doesn't give me them

I'll say a hundred

$75 I'll say a hundred seventy five dollars Good luck to us. I was gonna say 180. So I was gonna say shut the fuck up $95 This is an annual fee and a hundred five dollars in interest It is an annual membership man paying a membership to pay interest. What a blessed position to be in 206 hours in interest this year so far yeah cuz relatively new balance that's so ridiculous so ridiculous how long are you in Italy cuz that's also opportunity cost so you're not making income just out there a week. Okay.

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

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

Second freedom card.

Um...

So, again, that one's all over. A little bit of car parts.

You should become a commentary creator. Right? Instead of a car creator. You're so good at talking. Right, yeah. $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 of the house, which, oh my goodness, I can't wait for them. Oh, you've had a late fee this year so far.

Yes, I did.

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?

Pretty much payment and customers kind of lagging on payment. Kind of set me back on income. So hence the late fee.

Well, walk me through that process. Customer payment process for you. Yeah, so pretty much they tell me I'm going to get payment a certain date. I don't get it.

And I mean... Do they payment a certain date. I don't get it. And I mean.

Do they have a legal contract?

No. But ask me if I do that. I do know.

Yes.

Huh?

I said from here on, I'm going to do that.

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.

Yeah, it's dudes.

So show up at their door.

It's not that easy, you know?

No, you can't walk, can't drive. Yeah, I could, but. So what's the complication? I mean, I do give them, but it's just them. They're just, they're in a hardship. You know, they're like, hey, why are you doing business with someone in a hardship? Why are you doing debt to someone who can't pay debt back? It's almost like you.

Because they, in the beginning, they don't say that. You know, I go, look at you knew them. Yes, but they don't tell me. So you're like, okay, it's going to be this much, okay, boom. And then when I finish it, I'm like, oh, they weren't expecting that. Pre-pay, pre-pay, pre-pay, pre-pay, pre-pay.

Okay.

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. Not everybody works that way. though. I'm not a shop. I know. I'm like, you're right. You're a failed business. So maybe let's take a look at those who haven't failed. Okay. So at least you're the one getting scammed instead of scamming everyone like most mechanics.

Okay. So well done. At least I'm an honest mechanic. Tell you that much. No, no. You're a moron when it comes to fixing cars yes well that's not giving me reassurance for the cars driving around Santa Maria be careful on the roads ladies and gentlemen no that's the people that's not that's just people have you know driving they got to be careful on the cars Yes. They are driving. Yes roads. That's what I'm saying. They got to be careful Yes, be careful your trip

I'm glad we both can agree that when people are on the road. They are driving. Hey, you're the one I brought it up No, I'm not. You just don't know you don't hear yourself. I hope when you watch this back you find it I hope you hear what you're the one that brought it up. No, I'm not, but you just don't know, you don't hear yourself. I hope when you watch this back, you find it. I hope you hear what you're saying. So the 27% interest rate, a thousand hours this year so far, no, $616 this year so far

in interest.

Pretty bad, huh?

What was that? Pretty bad, yeah. That is bad. Almost wanna give you a high five for that one. Discover it, what's going on with this card? That one I opened up to consolidate all my chase cards.

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 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 cuz it's a 0% card. Is that why 22 years to pay off by the way good luck

You're laughing about that 22 years to pay off by the way, good luck.

You're laughing about that? You're gonna 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 fee payment with a balance of 7,000, the highest so far,

$142.38. That's insane. of 7,000, the highest so far, $142.38. That's insane. How is your credit score, 693? I have no idea. Cause 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.

Well, when you just had 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.

Yeah.

A weird mathematical equation there that no one would have ever expected. What are you purchasing on this? It was gas.

Yeah.

I think. Or car parts. I mean, the new purchase, yeah, are strictly just like fuel.

Yeah, but it's insane. You're just boosting it, boosting it, boosting it, man. And it ends in less than a year. And it's just free. And it's just free. It 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 $893 to it on a monthly basis.

$893 a monthly 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. But that is what we'd require to pay it off before interest hits.

It's actually, that's probably the worst one there, yeah.

In terms of the highest balance? Yes. I would agree. OK, slate card. What's going on with us? So that one was an old or it's been an old one

that just kind of lingers. I don't know.

You literally had one hundred thirty three dollars and forty eight cents of purchases on it, even though thirty dollars and forty two cents of interest was accruing, even though you are not paying it off. So is this lingering? No, you're actively spending on it. What are you talking about? You owe one thousand three hundred thirty dollars and forty two cents.

But I haven't used it in a while.

OK, you literally just spent on a you actual dumb you actual creature, you actual mother. You actual father.

They what they what?

It was this last month. It was this last month. It was this last month. There you go, June. 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 growing interest

that isn't lingering, you're boosting it. Bounce one up your tit.

But I mean, how, 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?

Have you ever had a dreams that you had your-

Your own car or someone else's?

Somebody else's.

Like, I mean, that's like-

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. No, not yet. No, literally yes. Literally yes.

I beg to differ. How? Because I think when you're a failure you're out on the streets.

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 fee payment on this. Five years to pay off.

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

Buddy, you had late fees on almost every card we flipped.

That's just...

That was just last month.

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

No.

Hey, creature. Apparently you opened a new card, right? Isn't that what we talked about?

Yes.

At the beginning? So, f- pull it up. Let me see. Pull up your new card. Not the card itself, the app on your phone.

For which one?

Your new card! Are you saying there's multiple new cards? No. Then which one do you think I'm talking about? Oh for f*** sake. Okay, saver. It's a saver card. Well done. Halfway to maxed out. You owe $227.40. Unexpected tran- not expected transactions, recent transactions. Yeah so that one's been 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 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 as pending right now before coming on the finance show where his purchasers are. Dude, you're a dude.

When he got some, when he got some bulls, little Caesar pizza, when he got some bullshit. Winning got some bullshit. Got some bullshit. Okay, here's all the monster purchases now. Monster, monster, poyo, zucchini, nah. Interest, pass doofy.

You just opened this card.

You...

Okay. Yeah, just take that. Okay, apparently I have a car loan. Uh, it says, set an order, pull from the last statement. Colton's saying you probably haven't attached it. I can pull it up.

Again, not sending us your statements.

It is a 2016 Tahoe.

Okay, what do you owe on it?

Twenty-two.

Twenty-two thousand?!

Sorry, uh, nineteen thousand.

Nineteen thousand?!

You owe on a f***ing making $1,000 a m- What's your minimum monthly payment? Nine... Sorry, $592. What's it worth? Uh, right around $18. That is true.

Still underwater, but at least it's only $1,000. We might actually sell it and do something different. Except you're going to say you probably need it for work, but your work's a bullshit and you're going to go get a real job, so I don't really give a shit about that. Excuse.

What is the interest rate?

You're going to be surprised for that one. How high or how low? Because with you, I don't really know. So this one actually is low. It's a point three percent. Or three, sorry? Three percent.

Three percent, yeah. Okay, three percent. And what is your minimum fee payment on the saver? I didn't put that in. On the saver?

25 bucks, I believe.

This car loan is so substantial. Huh? What is it?

Saver?

He can't do two things at one time.

20.

Do I need to let you focus?

Yes.

Saver's late. No, no, no, focus guy. Almost there, okay. It doesn't give me $10.17.

It's telling me the minimum payment.

Oh, sure, whatever.

I'll say 11 bucks.

Yeah, this car's 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 not, so you gotta, can you get your previous job back?

No. Why?

Because there might be a conflict of interest. We'll deal with that in the post show. You know, 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 on the post show Okay, check-in account. That's it right? No more debt. It doesn't look like $146 that's not a lot. Oh a Snap-on payment so you have debt to snap on not anymore. No that was the last payment. Yes

Well, you'll fall for it again you people like you always do zelling out money ATM Which are who knows where the $500 when a team would draw who knows where the that's $600 when panda stick? You know that's a food and selling money out $45 Far West liquor Cope drink sure sure sure I need your files around you to Carciana snap on going against and BS 18 which are $180. Where does all this cash go?

bills like

Utilities trash. Yeah cash Those I pull it out. Yeah in cash Sorry, no, no Well, you look at curiosity that Lindsay is giving you right now is like what the It's uh, it yeah, it's to pay some bills. Um, 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 huh?

I'm sorry I I'm sorry. Listen, you're beyond me. You're beyond this conversation. And it's not a give up situation. I'm going to pay for him to sit down. I'm going to 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. a 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 in the post show you are calling him right now I don't give a you're calling him right now you're asking for your job back this is crazy hello hello so I'm trying to see if there's still an opening if I can get a my job back back this is crazy hello hello so I'm trying to see if there's still an opening if I can get a my job back Elusive members content click the link in the description or pin comment below and watch thousands of hours of extra and