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0:00 This guy brings people on to talk about their financial struggles. You guys ready to hear it? Here we go. How did $10,000 come in last month? I got my IRS tax refund. Is this because of the child tax credit? Yeah, cuz you have children. Yes. How many kids do you have? I have three. So, you got such a big refund, but you spent it all on a trip. If you make like 35,000 bucks a year, what the happens? So, when I got the child tax credit, the $10,000 refund, I I just wanted to go do something fun. But if that money is there to support you through the taxpayers, spending on vacation makes sense. Um, not when I have debt. Okay. Why'd you do it then?
0:46 I just wanted to go do something fun. Do you remember what I said about IQ? See, a girl like this would have been perfectly happy and fine in the Middle Ages digging potatoes out of the dirt in Ireland. She would have led a happy, normal life. Everything would have been okay. But now things have gotten more complicated. The world has gotten more involved. And we're in this situation right now cuz I don't usually have the money to go
1:32 and do much of anything. So yeah, I went a little crazy. I went a little crazy. I went a little craz. And I like Caleb because Caleb allows you to see how tens of millions of Americans live. If you look past all the theatrics, you get an unfiltered look at how the system works and how utterly disgusting it is. Yep, there it is. And so there's another one too. It gets even better employs more. And so uh you got this going on. Remember this person votes and has ideas. Well, I mean I don't know about has ideas, but like they they're think but she just wanted to have fun. Yeah, exactly. A 2enter. No, she's not a 2enter. She's definitely not. Um but this is the kind of person that I I keep trying to tell y'all about these people
2:17 is that they're just really stupid. They're stupid. And and anybody who's been to a public school knows this, but nobody wants to talk about it. The fact is that there's a lot of people out there in the world that are so [ __ ] [ __ ] that you're not going to teach them after the job for digging potatoes out of the ground goes away. You're not going to go and retrain them to be a rocket scientist. Okay? It's either digging potatoes out of the ground or making butter. That's it. Those are the only two options. You're not going to They're not going to do anything else to Exactly. You You can't [ __ ] figure this out. You teach finance and statistics in schools. Guys,
3:07 have you ever tried to teach finance and statistics to a cat? No. Right? Because the cat's not going to understand. Well, I've got really bad news for you about a about I'd say somewhere around 10 to 20% of the population. I've got really bad news. Yeah, maybe you should pay your employees more, too. Then we pay pretty well. I mean, I I know someone's here working on their birthday. Is it someone's birthday today? You don't even know your own employees.
3:52 I don't know everyone's birthday. It's Colton's birthday. Yeah. Happy birthday, Colton. Happy birthday. This is the kind of person that gets a job at an office in an HR department and makes everything more [ __ ] annoying. This is what they do. Yep. Congratulations. Adults work on their birthday. I'm going to cry for Yeah, I work on I work on a nonprofit and at least they give us our birthdays off. If he wanted to request it, he could have. That's I wouldn't have to request it all. Choice. Oh my [ __ ] god. Okay. If they want to treat you like children, they can. How is that treating like children? It's more like It's a birthday. Who gives a You have
4:37 one every single year. It's called caring for people. I guess you don't understand that. You're right, dude. See, this is the way they are, man. As I said, there's Yes, I said there's two types of people. I've said it over and over and over. How many videos need to play until people realize where the real problem is? I'm tell I'm forcing him to have a week off in what, two and a half weeks. So, I guess that's not good. Maybe too. And I'm losing revenue for that cuz we're not uploading that week. I mean, that's totally fine. Yeah, because you work at a nonprofit. I know that you think that's fine. For sure. Yeah. Wow. The girl on financial audit that works at a nonprofit wearing a Bulbasaur mumu thinks that it's not a
5:26 big deal to just not make any money. And with those those [ __ ] these [ __ ] earrings, I swear to God, if in a thousand years we don't look back at this the same way that people look at National Geographic with like those people in Africa with those big discs in their mouth, I'm going to lose my mind. Please, please let it age like that. At least you still have the ability to lose a week cuz if I don't work a week, it's a struggle. If I don't work a week, it's a struggle. Yeah. I wonder I wonder why that is. $9,200 a month net. That ain't bad. People like the high income earners. Here we have them. That's good. Why the [ __ ] are you on
6:11 this show? Why are you here? Ultimately, um, our spending has gotten out of hand. Pokemon again, bro. It's the same Pokemon. And we need to fix our spending, otherwise I have told her that. And she's got Pokemon on her shirt, too. I have told her that this will likely end in a divorce. At the beginning of the year, we were trying to determine
6:57 how to best tackle our existing debt. And yeah, um I've been listening to her tell me like, "Hey, like everything's fine. I've got money for this. I've been seeing a bunch of uh boxes come in and the boo boos come out of them and boo boos." So she's going there ordering [ __ ] off of Amazon. What is wrong with you? It's a trend that's going to it's a I want to make an apology because my generation of the these people are about my age.
7:43 I probably could have gone to high school with them. I don't know what the [ __ ] is wrong with millennials. You have a Legend of Zelda Majora's Mask tattoo on. You're wearing a Pokemon vest and you have a doll as a necklace. And you are a 30year-old woman. Look, I understand that like I I live like kind of an idiot, too. You're respon No, no, no. You're not responsible for millennial retardation, bro. I know that. What's a leuoo trend that's going to die? It's a It's the It's the Stanley. It's going to die. What is a going to die? It's the [ __ ] is wrong with you?
8:29 Come out of them. Just come in and boo boos come out of them and boo boos. What's a lab boooo? Is this like a thing? This is why terrorists hate us. This is the reason. This is the reason you want to see why
9:15 ISIS, why is it that you have, you know, these groups? This is it. I uh I don't know what the [ __ ] has the Lubu obsession grown too far. What? Um, [Music] wait, wait, wait, wait, wait. We got to get our heads out of our asses, please. This is nuts. Yeah, we have some What the [ __ ] What? So,
10:01 no. We've got to bring back slavery fast. We got to do something about this. Tackle our existing debt. And we um I've been listening to her tell me like, "Hey, like everything's fine. I've got money for this. I've been seeing a bunch of uh boxes come in and no boooos come out of them. boo boos. They're 35. They are. They're 35. They're the same age I am. The [ __ ] is wrong with you? It's a trend
10:47 that's going to die. It's a This has got to This is We got to It's the It's the Stanley. It's going to die in like 6 months, you know. It's Everyone moves on to the next thing. It's the millennials uh beanie baby. Oh [ __ ] And I technically am a millennial by one year. Kill me. Exactly. Exactly. 100%. Like I don't I feel like I'm like Uncle Ruckus or something like that. I do because I hate my own people. I mean now but I would also say $80,000 of bad debt is uh something else to be concerned about. Yeah. I wasn't aware of the total at the time.
11:33 You weren't. What did you think it was? Wait, how much is uh something else to be? Technically, I'm a millennial by one year. Kill me now. But I would also say $8,000 of bad debt is uh $80,000. Uh something else to be concerned about. Yeah. I wasn't aware at 35 of the total at the time. You weren't What did you think it was? I was trusting her to take care of it. Oh, big mistake. You [ __ ] up. You shouldn't have done that. Um, tell me how much the household spent last month.
12:18 We know what comes in about 10K 9. What is it? 9,00 making $6,000 a month. That's plenty of money. That's plenty of [ __ ] money, 200 9,400. I think maybe like 11. Okay, it was $22,229. You don't know what the is possibly going on. Tell me how much the household's sp. To be fair, they are getting bled dry by student loans for like so they really spent 15ish, right? Student loans are such [ __ ] He's worried. I didn't think there was any issues up until recently. I didn't think there was any issues. And you brought up the divorce a month ago, but you said you started thinking about it when you saw the balance. When did you start seeing the balance? That the same day basically.
13:04 Really, bro? Look at this. Look at this. Pokemon laboo like with like this. What are these [ __ ] candies? This is Bro, bro, what what were you what were you thinking? Oh, man. Come on, dude. Yeah. Have you started to see any change? Yes, I have been putting my foot down a lot more. Um, so it's you. It's you stepping up. It's not her. It's me. I'm I'm worried about You got it. This is so sad. And also, by the way, based at least a little bit, right? Yes. You've got to get this woman under control before she spends all your [ __ ] money on [ __ ]
13:52 beanie babies. My son, I'm worried about us as a couple. They have a kid. Um I They have a kid. Grew up maybe lower middle class and went without the things that I wanted and I want him to have those things. So it's very But she's 3 [ __ ] five. She doesn't need him. Well, why have you put up with her out of control spending for so long? I love her or at the store, whatever. That's And my mom would do this, too. But the difference is that she just didn't give a [ __ ] Like, she would have $20 in her purse. And I say, "Mom, can we go to Taco Bell?" She's like, "Yeah, I got $20.
14:38 When are we going to get another $20?" potentially never, but we've got $20 right now and we're gonna spend it right now. She's paying off credit cards with credit cards. She's not like, "Oh, the, you know, Visa is calling again for my money." What should I say to him? Tell them that it's not you. Tell them that it's Count Choula and this isn't this is the wrong number. And she'll be like, "This isn't me. I've got to go." And that's it. Right. And so and and and she got away with all of it, by the way. She died with over $100,000 of debt. Never paid off a single scent. She didn't even think about it. She was sitting there eating. This is the thing. We We were
15:24 broke. We didn't have any [ __ ] money. So she loved chocolate. She loved chocolate so much. And so she would [ __ ] it, but she couldn't afford the chocolate bars. And so, or maybe the food stamps wouldn't let you buy chocolate bars or something like that. I forgot which one it was, but either way, we she she couldn't get chocolate bars. And so, she would go to the baking aisle and she would buy the [ __ ] bags of Reese's like little [ __ ] uh kisses that like you're supposed to put in a cake. And she would just [ __ ] grab a handful of these and just eat them with her [ __ ] hands in a bag because it was slightly cheaper. Sitting there drinking Pepsis, smoking weed, smoking
16:09 cigarettes while she's on oxygen, watching ancient aliens, asking if we're going to get Taco Bell today. She's se she was 70 [ __ ] years old. And the difference between her and this girl is that she did not give a [ __ ] She never cared. It didn't matter. It did not even occur to her that this was a problem. Yeah. She try about Yeah. Exactly. She didn't give a [ __ ] And so that's the difference. It's like you want to do this. That's fine. But like you got to be in it for the love of the game. You have to be in it for the love. She This girl is not in it for the love of the game. And this dude is certainly not Look at his face. That's not so good, huh?
16:59 Do you think that was a good or a bad thing? For real. She did what she wanted to do. And it is a good thing because she did and live the way that she wanted to live. And if a person cannot exist in a way that they choose that makes them happy, then they're living in opposition to their purpose and their existence. The reason why this is problematic is because primarily it is indulgent and it negatively affects other people, which my mom did also do, which was not good. But at the same time, at the end, she just didn't give a [ __ ] period. That's the difference. What about when
17:45 people have been misguided? She was She was not misguided. She had two college degrees. She wrote books. She knew more about conspiracies than Alex Jones. She was not misguided. She just did not give a [ __ ] She was guided. It just wasn't She just wasn't going north. All right. really matter where it's coming from if you're spending money on it. I mean, it's the reason why I'm spending money on it is because I, you know, I I feel like I lost out on my childhood just now. Oh my [ __ ] god.
18:35 You're 35. Move the [ __ ] on. Holy [ __ ] How long being able to have things like this? [ __ ] exactly. Eight years a Disney slave. That's good. Yeah. I think eight years of Disney should kind of make up for a lot of that. I What? I Yeah. Wait, I don't Eight years.
19:22 They're from Florida. Disneyland's in Florida. Disney. We've had Disney passes for eight years. Actually, eight years a Disney slave. can't afford. He can't afford anything. He's about toing walk and you're choosing Mickey. I Dude, this is It's just I not tickets, passes. Yeah. So, they get to go all the time whenever they want. I the thing is and I know this guy, you know, they're probably they're the exact same age, so they probably met in high school and, you know, I I
20:09 totally get it. I I I'm assuming that this was probably, you know, she was probably this really really cute goth girl and he liked her a lot and they got married and now she's spending now now they're middle-aged and she's spending all of his money on [ __ ] That's what h that's that's what [ __ ] happened. And I I I bet that's what it was. You're optimistic. Well, even if I'm not optimistic, I have friends like this that are in situations like this. 35 ain't middle age, bro. It's What's the average life expectancy? Average male life expectancy. US. Okay. So, it's pretty close. It's pretty close
20:55 to middle age. What? Whoa. went down. Damn, that was like COVID or something. A little culling there, huh? And uh yeah, a lot of people are dying now. How about that? And so 77 and uh anyway, yeah, it's pretty pretty close to [ __ ] middle age. Oh my god, I I just man this is this we got to do something about this. We got to do something. We got there's something that's got it's obesity, man. People are getting fat. They're getting they're getting real fat nowadays. We got a we got a hog problem in the society now. People eating too much food and not doing anything and being fat and then making up excuses
21:41 and buying lab boooos. Get RFK on the case. what he needs to do is what his uh [ __ ] uncle did is where they make it to where like every single kid in high school has to do like [ __ ] like you can't graduate high school if you're a if you're a man. You can't graduate high school unless you can do 20 pull-ups. That's it. That's just the way it is. Yeah. You can't you can't leave high school and that's it. So, not you. Well, I mean I I probably could have in high school to be honest with you. I could have. And I guarantee you if they if they had me doing it, I'd be doing it. Yeah, for sure. Yeah, that's a lot, man. No, it's not. If you're a 17 or 18 year old guy, unless you have a medical deficiency, you are absolutely 100% capable of doing
22:27 20 pull-ups. 100%. Do not let fat people tell you that's a lie. Don't Don't let them lie to you. You can do that. Yeah. 20s in a row, though. with one break.
