Togi Is Worth -$10,000,000 | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I thought you lived in Miami. That's what I was told. No, we lost that house. For closure. Gambling. It's not about the numbers, it's about the vibes. I'm trying to explain to you how important the vibes are. I wanna make sure you can take care of yourself for the rest of your life. I can take care of myself because I'm toggy. You've been wired your whole life to I have to save excessively. You grow up with four closure notices on your house? I don't even know what that is. Okay. Download the Dollarwise Budgeting app today and get a three-day free trial. That's enough time for the automatic connections to give you the insights you need to change your financial life. Tens of thousands of other people are changing their lives right now and you can too with Dollarwise. So take the free trial and if you like it, sign up for the annual version to save a ton of money and get my detailed 30-day meal plan signed by me and mailed directly to you. Download now, dollarwise.com or link in the description below. What up? It's toggy here, Shane Stover. I'm 23 years old and I live in Austin, Texas and we're on the financial audit. I go into every episode blind with guests but you're actually known, but I'm gonna be honest. This is still blind for me. I literally have never seen a single toggy video. I don't know what the fuck we're talking about. I haven't looked at your documents. I don't know what the fuck is going on but I heard you're kind of... It's, no, no, no. It's, I would say like you, would you go to college? I dropped out, but I did go to college. How old are you now? 30, 31. So that was like 10 years ago. It's, you had like the frat bros, whatever you got to the party and there's like, it's very normal. Like my life is exactly like every dude's in a frat, but you know, now I do like YouTube and make a little more money, but it's pretty standard. Like you can imagine kind of what everything is like. So is YouTube all you do right now? No, well, yes. It depends on like YouTube streaming, Snapchat. Are you streamed too? Snapchat's got money. We learned that. It kind of fell off. It's not great anymore. Dude, we still get pretty chunky checks from Snapchat. Okay, what do you make? Do you know how much you make? No idea how much I make, but I sent you, say, okay, this is funny. The first time I ever looked at like how much I make was when you guys asked how much does he make? And I say, you think it was over the last year we did, what was it? 1.9 million a quarter for the last five quarters. Me, okay. That's obviously really good. Who's we? Oh, me. Okay. Well, how many people do you have working for you? So we have 30 Clippers. Me, 30 Clippers. That get paid very well. Some of them like 20,000 a month on Good Months. But like intimate employees, I got the manager, the manager's assistant, the manager's partner's assistant, maybe seven. Manager's partner's assistant. Okay. Eight, I don't know. Eight people working for this. How much do these people cost on a monthly basis? Well, that's the manager's thing. I don't know. That's the manager's thing. I would guess he maybe texted me. Who's the, who's the little twink that you sent to get? He's in. You got me nice to Edward, bro. He's the man. Okay. Is that your manager? No, he's the assistant's assistant. So, he just started, check it out. He just started. He was working for his mom, whatever, like cleaning floors now and now he's got like a Rolex and he like does all the, yeah, I gave it to him. Why is an assistant's assistant getting a Rolex? What, why would he not? He's awesome. He's a nice kid, bro. Is it in the budget? I mean, he might be a nice kid. But here's the thing. I value like my relationships and connections. And like, if you are loyal and a nice person, I don't really care about the budget. Like I'll go over budget just to like, you know, go to, but the Rolex is in the budget. So, in the debt. Yes, but it's not a horrible thing. But either way, the Rolex is very cheap. Like it was like $10,000. Huh! I forget what we're talking about before that, but I think the employees I would guess, maybe 250,000 a month for all of them. Oh, for a f*** sake. Okay, 250,000 dollars a month and you make 1.9 a quarter. So you're immediately, you're almost at like 50% margin, but that's just before any video production costs. That's just teammates. Is that including Clippers? Yeah, that's including Clippers. I would say 120,000 is to Clippers. 120,000 to Clippers. Well, what does that return you? Do you know? No, dude. Okay. This is a, what are the, how much? Do you just pay for the clip and you don't know where it goes? Yeah, yeah. But how much does anything, how much does that camera return you? Who f*** knows? How much does that light return you? 100,000. Okay. How did you quantify that? That makes you millions of dollars that you got a better angle of what, that's what is filming right here. It's like, dude, you can't quantify, it's kind of like my whole life, it's kind of been like, if the vibes seem right, go for it. And then it's like, dude, what the f*** do you need such a big office for? Because the vibes, bro, you like the vibes. Is that the vibes? No, no, no, no, no, no. You can't tell me. I got this office. Your seeing your office? Yeah. Certainly large. You don't need it other than your vibes. No, I've been here two times. This is empty. Oh, sh**. It's empty under renovations. Okay, but you know what, the editors get to stay at home. You can't lie to me and say like, there's not a part of her, you get to walk in and you're like, that's my sh**, and it makes you perform better. Yeah. Because it's like, but you can't quantify how much I return. So it's just like, I'm the man, this my sh**, this my office. That's about my man, but recruiting. We did it for recruiting as well. What do you mean? We got a good office, so good people come here, they see the job interviews, when they job interview here, they like the space, they wanna be here, it's culture. I would work here. This is a beautiful office. We got 30 people in here, it's not empty. If I ever go broke, did you give me a job? I don't know yet. Again, again, the end, you can let me know. Yeah, I'll tell you at the end, again, the only thing I know about you is you're kinda and then. What? This is like a crazy stray off the bat. Kinda. No, this is what I've heard. I don't know. Yeah, yeah, yeah. Okay, okay, continue. I don't know. And you give your assistant, assistant Rolexes, here he is. He's the ZIN collector. He's the man, Edward. So if he didn't get those ZINs from the car at a certain amount of time when he loses Rolex. Nah, he loses his job. But. What do you make? $1,000 a month. That's not true, is that true? We just give him a pay cut. What do you make? $1,000 a month. No, you don't. You can't pay your bills on a thousand hours a month. Oh, I pay, all my employees live for free, is he contractor? I don't know what that means. Is he W2? Is he a full-time employee? Cause he's like federal law, full-time. You probably have to pay him $42,000 a year minimum or else you're gonna be in breach of some kind of federal regulation. I, Edward, you gotta go then, bro. Cause I'm not paying you in for the year. No, the point is. Well, I was trying to get you a raise, not fired. I'm sorry. I don't know. That's a good point. So maybe he's under minimum wage. So what happened? Under minimum wage, okay. What he was getting paid $3,500 and then we did employee evaluations and it got cut. But that's not like. Who evaluated? Me. But you don't know what's happening. You told me the manager does everything. Yeah, but I, the manager is like sits in on a thing and I oversee, like we talked about it before and I oversee all the stuff that's going on. But this one is an easy, not all employees need an evaluation. It's you only get an evaluation if you're getting a raise, fired or a pay cut. So how do you evaluate him for a cut? Why do you deserve a cut? Because the grand thing, the scheme of it was the work was half ass, not enough urgency. Well he's an assistant assistant. What is he supposed to be assistant? Bro, but everything would you want? Like you work at the highest level ever. Like I saw your YouTube jacket. You're all the way up here. If your coffee, sure it's not as important but that needs to be on your level because everything you do is extreme. So that's the same with all my operations is it has to be the best. No, I did just spend 20,000 hours on a coffee thing that gets here tomorrow. That is true. That is true. Oh, where? Okay, no, I mean, no, no, no. I mean, I would evaluate too and I would probably fire him if he was being bad but I would have paid someone an illegal wage. There's, I didn't know it was illegal. I'm learning this out. Probably, I mean, I don't know how it's structured. By the end of the year, I'll make sure he makes 42,000 and the point is you have to. If he performs. Yeah, yeah, but I appreciate like good company and loyalty and somebody that's passionate about it. So he has all those things just bad at the actual task. How do you quantify the loyalty? Just the vibes. Dude, I feel like you spend too much time quantifying like everything. Sometimes the vibes is all you got. Well, it's the dude's life we were talking about. Hopefully his future. Yeah, yeah, but my own future is based off of like the vibes of like the overall situation. So you guys all live together in Austin? Yeah, it's Austin. I thought you lived in Miami. That's what I was told. No, we lost that house. For closure. Gambling. How do you gamble a house? Not actually gamble a house. I literally gambled it away. Like legally you did not. That's what I said. Everyone's like, oh, like I gambled away the house. I'm one of the first people, if not the first person to quite literally gamble my house away. And we did a, this is not a joke at all. This happened about a month ago. This is proof. There's everything. I did a coin flip with Steve will do it and he put up $2 million. Oh, what's that name? And I put up the house. So if I won, I would have gotten free $2 million. First of all, how would you even pay that? Cause I did at least, there's not $2 million here. Oh, I bought the house like a long, long time ago. Okay. What was the house worth? Well, I have a 600 or 700 down. And then it's a $1.9 million appraisal. And then the rest is a... Why do you speak normal? And then when it comes to the word hundred, you like gain autism or gain down syndrome. Like how does that happen? It's only the word hundred. Wait, wait, wait, wait. How do I say hundred? Hundred? Hundred? Yeah. But every other word you say right. No, but here's the thing. It's like who the is Shakespeare and why does he get to say whatever the he wants. And now everyone understood. You understood me. So it's like, I could say ball sack, but if you got the idea that he's saying hundred, we're probably on the same page. It doesn't matter, right? No, no, no, I got you. I'm just wondering why it's the only word you don't say. No, no, no. The more we talk, you'll probably, cause people make fun of me for a lot of things and how I talk, which is interesting. Okay. My vocabulary is below average. So I think that's why sometimes like there's a phrase that's very common like Dirk or Schmerk. Like that will be like brought up in vocabulary and there's like a meaning. How does a Dirk or Schmerk? What are we talking about? Now you just got clipped. It's awesome. Okay, but the point is, you'll always understand what I'm saying. No, I don't know what Dirk or Schmerk means. Okay, moving on, moving on. I don't know if I said a slow one. I came here to learn about my finances, not be a, what's the word? I'm not ridiculed about my language. Well, I'm trying to get to know you. I'm trying to, cause you couldn't tell me how much you, well, I mean, you kind of told me how much you make. You were told it was 1.9 a quarter last year. Are we on the upswing? No, no, no. In the last five quarters on average, 1.9 a quarter. We are on the upswing a lot. I have an idea of how much I get paid, but a lot of it. So one of my deals is I get money to gamble. And that's the cryptocurrency. Oh. So they give me crypto to gamble. And sometimes I lose that. Sometimes I win that. And a lot of the times like this chain, I put- A steak? I don't know that one. Okay, okay. Yeah. And so like this chain I bought in crypto. So it's like that never even win. How much is that? 50,000. Oh, fuck. And then like these two were like a hundred something. So maybe like 170. The chain was a hundred something? Well, it's a wedding ring on each rock, bro. Why? Cause then it's like, I got a wedding ring on each. Okay. We're obviously bleeping this, but what's the address of the house you lost? I can look it up. Uh, let me check. You don't know where you lived. I never went there. We bought the house. I stayed there for like five days. Where did you live? Um, where were we at that time? We were in LA. Where are you in Austin? Why? Uh-huh. Oh, here's the address. Yeah. Why are you in Austin? It was the cheapest thing. Like for the, I wanted a big house that I could work in. Like have a big office and a lot of space. I couldn't afford Miami. I couldn't afford LA. So we're just like, we'll go Austin. If you lost the house, if you lost the house, how'd you get a place here? Well, so I had two houses that I owned two houses, this one and the current one. What was your purchase place? Price for that. For the one you lost. I remember it got appraised for a hundred thousand less. But what was the total? I believe 1.95. That's sick. So maybe it got appraised 1.85. And then we coin flipped at 1.9. Okay, so like, I don't know, if you get caught up in a drama or if you just like, stop being creative somehow and you don't have anything, you just lost $2 million. How are you surviving the rest of your life? You just lost $2 million. Well, bro, what do you mean if I stop being creative somehow? Like, you don't know what happened through the audience moves on. What's your demographics? Well, I don't even know what- Well, my high school brother knows you. So they're probably kids. Oh yeah, whatever. Like I would imagine young men. But either way, the point- We move on. Is that I've invested so much into me as a person, I can always, I will always be able to do- If you as a person, what have you invested into you as a person? Look at me, bro. It's like a big- Yeah, wedding rings. A muscle, you know, receding hairline, things of that nature. But I'm always able- Is that true? I'm very confident. Yeah, it's horrible. Dude, finasteride, what's going on? I'm scared of it. I don't want to fuck my hormones. But either way, so this is the point. I'm so confident that even if I were to not be doing social media, I would cook up another scheme and make money another way. There's no point in my life. Scheme. Scheme, you never heard of scheme? Yeah, it's gonna be scambi though. You know what's funny? Scambi scummy? Before, it's easy to like talk down on people, right? Like, oh, that guy's just a scam or whatever. Before I got famous, I wanted to be rich so bad that I was in the college and to frat. And one of the schemes was a literal scam. This was before, pump fun. I was like actually going in and coding my own meme coins, trying to rug pull people. And it cost about $1,000 in making it and liquidity and everything. Either way, I had like $20,000 for my name at the time. I was so bad. I couldn't get anybody to buy my scam. So I ended up losing like $20,000 trying to scam people. So I'm not even good at it. Why are you trying to scam people though? At the time when I was 18, I needed to be successful so bad that like ethics. Now, of course, we've learned that there's like, I've grown as a person. But back then I can admit, bro, when you're 18, you're effectively, so now it's like I would never scam somebody because I know I can do it the right way. Okay, what about the gambling? You gamble on camera. You think that's moral? It's hard to say. I mean, morals are subjective. Okay, let's put it this way. What's the downside to gambling in your mind? Lose your money. Lose your money? But lose your money? But you're paying for an experience. Go get a massage or something, dude. What if I wanna gamble, bro? It's like the gambling has given me the most wonderful experiences. And I've met my best friends, the best memories in my whole life are through gambling, not because- When are your best friends took a $2 million house from you? Yeah, and you know what's nice? He gave me a $700,000 car. Oh, what a king. Bro, that's such a nice gesture that he won $2 million. He didn't have to give me shit. He risked his own $2 million for that. He wanna bet fair and square. And he said, you know what? I feel bad. Here's a $700,000 Lamborghini. I didn't need the Lamborghini at the time, but it's still a nice gesture. But the point being is that the best experiences, it's like an expensive membership to a country club. And also, in some cases, the country club pays you. You land in Vegas. Vegas will get you a private jet, the nicest room. You get a massage at the table, a bunch of whatever you want, anything and everything. So it's an incredible experience. Do all that without gambling. You have the money to do it. It sounds like it. I don't know how to explain this, but the viewers will understand it's fun. Like it's an activity that is just fun. There's no gambling. I'm not saying gambling's not fun, but you're saying what's immoral about it. There are issues. So do you think like drinking alcohol on camera would be immoral? Potentially. Yeah, so the exact same with gambling. Potentially. If it was endlessly binge drinking on camera and trying to get your audience to endlessly drink, especially if you have a young audience that's like you do with crypto. Is there anything when you see Togi blacked out gamble for 18 hours and at the end of it? Because I've done everything, right? I've done the good and the bad of every drug, everything. You know, the... Done. Not done. A lot of them. Why? What the fuck? Why? Because I just wanted to try it. It's not... Well, you did a lot. Yeah, okay. That's a good point. But either way, now it's like to understand an experience, you got to like go all the way into it. Have you done? No, he's a straight as an arrow. Good. But either way, you should give your employees... You could save costs, bro. You could fire 20 of them, 10 of them all, man. Yeah, I have an arrow. Yeah, it's the same thing, right? Listen, if you're so moral now, why'd you just start a supplement company and immediately gamble $250,000 of it without telling your business partners that you lost it? Is that moral? So like that's their money and that's their business. But you got to understand, if you're analyzing everything through your lens, each relationship is unique, right? So me and my friend, it's like, what's mine is his and what's his is mine. Doesn't really matter. It was for... He consented to that. No, but the point is that he could do something like that. If he did it, I'd be like, you know what? He was trying to do something for us and he believed in it. Trying to do something for you? What did you gamble on? We had the Patriots to win, the Super Bowl, and we lost. Bro, but that's not the point. The point is if he took one of my cars, sold it because he had a crazy lock, I would be like, that's okay because he was trying to do something better for us and that's what friendship is about. There's no amount... Friendship? Selling your own car? There's no amount of money that would ever cut my friendship. I could go dead broke, but at least I have my friends. And this is the problem with all the motherf***ers that are like giga rich. People say, oh, you should be an average of, or you're an average of the five people you hang out with. Get rid of your loser friends. I think that's bullshit. I think loyalty, memory, real love is way more valuable than money. So if I moved one of my best friends somehow lost all of my money, all my friends got all access to my money because I trust them and we're all like this. And that is more special to me than being in a penthouse in Miami or whatever it might be. You don't need to be living like a crazy bougie life. I just wanna make sure you're taken care of. Listen, you're right. There is no more important things than love, friendship, all that stuff. Real friendship, real love isn't using the other people's assets to try to benefit themselves. You don't have to benefit us. Us, us is that, I just feel like that's what you're telling yourself. Well, he would have gotten half the money if he won. And either way, the point is that, right. But he's using your assets to do it. My, okay, but you can't tell me that, say, say, listen, say I'm wrong 20% of the time or whatever percentage was beat, might be, every decision in my life leading up to now has made me very successful. Hold on, how do you quantitate success? Cause your net worth, as far as I see on paper, isn't anything substantial. I'll be completely honest. I get to do whatever I want. I'm on a few time. I get to do- For now. Whatever I want, whenever I want, for now, but it is now. And tell your audience ages out. And I've always been on my own time, do whatever I want, me and my friends do whatever we want. We're going to Cabo next week. We rented out 20 rooms just for fun because we do whatever we want. And that is my idea of success, is that no one tells me what to do at any point because I'm just, we're all, bro, we're all just floating on this rock, bro. No one tells me what to do either. No one tells me what to do either, but I'm only set up for success. If I get married, if I have kids, I'm taking care of them. I'm making sure that people around me, my employees are taking care of, if I have a down month, down year, I know we can sustain ourselves. Yeah, okay, so- Your employees are f*** if you lose it all. My employees are happier than your employees because I just bought him a Rolex because I was in a good mood or whatever. He makes a thousand a month! Because I changed his life just being, listen, listen. Okay. You've got to understand this. How much you, you care about your employees just a dollar amount. You say, here's what you get is dollars. I care about my employees- You get them health insurance? As people, bro. You get them health insurance? So now that's more dollars you're giving them. No, that's making sure they don't die. No, no, if you went to the hospital, I'd sell my car to make sure that he's, if his mom went to the hospital- Unless you lose it in a bet before. I'd sell my house, but that's the bet. You lost it already! They're betting on you, but the problem with betting on you is they will never have the love that I give them because you're sitting there, oh, sorry, it doesn't work with the accounting team. I'm like a person running off emotions. If his mother was in the hospital, I'd sell my house to heartbeat, even though he only makes a thousand a month. You can't, you lost it, dumbass! I have another house right there, dude. I tell you, lose it and you can't even care of them. You got to understand. Then you're- Twink? You got to understand. The way I've set it up is that, sure, I spend crazy. If it ever hit the fan, I bring in a million a month, easy. Poor now, it's not easy. I've been bringing in a million a month. Where's all 1.9 quarters, not a million a month. Well, okay, now we're at a million a month, right? You can look at the, oh, I guess I didn't send you the, these are statements, but you got it. You didn't send me shit! I mean, I got statements. Well, because I can't, I can't- We're gonna go through it, but- I can't leak contracts. Let me see your YouTube studio. We're not gonna show it on screen, but I need to see it. I want to see your demographics. I want to see what earnings are going there. There's no monetization. You can show it on camera. Why are you not monetized? Because it's not very much money, 20,000 a month. Well, 20,000 a month gets him 10,000 hours a month and another employee 10,000 a month. And healthcare is caring about your employees. No, it's putting a dollar value on how much their health is worth. Okay, so he gets cancer. His health is worth my entire net worth. No, your net worth isn't that much if you got cancer, your net worth wouldn't cover it. If I needed to, I could work harder, spend less and make a 1.5 a month, two a month, and then pay it off, whatever. Just because I spend 300 racks on private jets doesn't mean I can't stop because something else comes up. That's the thing. I don't know if you could. You might gamble it, you might lose it. I don't think you can say I could spend less. You don't know, but I know, because I know above any addiction that I have, I care about people above all else, right? So- Says every addict. I can stand on that business because I have spent millions of dollars. I've sacrificed millions and millions, tens of millions of dollars. For example, the Evor thing. My best friend owns half of it. No, no, listen, listen. My best friend owns half of it, right? Half of what? The business, Evor, right? So he- Is that your business? Yeah, yeah, 50-50. Evor is your business? Yeah, yeah, I own 50% of it. I own 50%. I have had- You own 100% or 50%? No, no, no, you get what I'm saying. See, we're back to the semantics. You keep going back to the semantics, trying to distract me from my point. The point is- I'm just making fun of you. That he is, he, I gave him a big opportunity and gave up on big investors. I had other people that could build me better infrastructure, but I wanted to build a business with my friends. You know what I mean? So that's why I sacrificed building my business, exponentially scaling it to give it to him. Exponentially scaling it. Okay, fine, what's it worth? What's it valued at? If you were to sell it today. I don't know. Can you answer that? Listen, you don't have what people would say is necessarily a sustainable audience. New viewers is 24%. Your demographics are young, they move on easier. You want that established like that, that 25 to 44 crowd, they stick around. You have a decent chunk of the 25 to 34, but your second biggest chunk by far is 18 to 24. It's not about YouTube, it's about me. Everything I do, I'm gonna win. What's that? So it doesn't matter if it's YouTube, I could go over- A couple- And become Mr. Olympia, I could be the best bodybuilder in the world. I could go to the moon if I wanted to, and then I'm gonna get rich. You know what I mean? Objectively no, how are you going to the moon? Factually I could, and you can't- How? Define that. It's not important how because I could. Yes it is. And that's what you don't understand. If you say you can- I live on Mars, I can do anything and I will do everything, and you'll never understand that, and I couldn't explain to you that I could be the president. I could be in the NBA if I wanted to in five years, and that's just how I operate with everything. And it's like, dude, all right. 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That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for chime, get that $350 right now in your checking account. Dude, because you struck success once does not mean you're gonna be an Olympian. No, no, no. This is not how this works, man. Okay, listen, listen. It's not about how, okay, if we wanna talk about striking success multiple times, I was a millionaire when I was 19, then I went broke, and then I made like a few hundred thousand dollars on my pursuit. It was like maybe half a million dollars on my pursuit to like YouTube, failed again. So it's like, how do you quantify success if it's just money and money at different times? I don't even think you're a millionaire now. The savings I have here is $391,000 total. Oh yeah, dude, but we increased the pay holdings. $391,000 in pipay. Well, that's great. But no, okay, I don't know. How do you quantify what a millionaire is? You have a millionaire. Assets versus liability. Reliability, as far as I see here, is $100,000, but you say there's another house. Do you have loans on that? Yeah, yeah. Did we not tell you? Did we tell you the other house? No. $800,000 in equity and- Who's we? Who holds your statements? Gerd. Okay, that's the guy. The guy that runs shit. Yeah. Gerd. Yeah. The point is, okay, am I a millionaire? Maybe, probably. Maybe with the house. I don't know what the- Well, I mean, I have, like what? My car collection is like two and a half million. And he leveraged on those? I mean, I have a $100,000 car loan, I think, right? $56,000 on the Huracan. Okay, you showed up with like, what was it, Rolls Royce the other day when you filmed Ice Coffee Hour? You own that? I own every car. Right out? Or is there cash? Except for the Huracan. What's right out of cash? No, no loan. No loan on it. Okay, well, they are cars in general are depreciating assets, and that leads to a little difference. We're just talking, you were just like, oh, is he a millionaire? Well, I don't know. He has a $700,000 of oil, so a $500,000, no, $300,000 Rolls. That's a million dollars right there. That's pretty close, but your liabilities, we have to take into account that. I don't know what your liabilities are because you couldn't send everything. I don't know what they are. Gerd. It's just a house loan. And then I own my home with 30 racks. What, you own two homes? Still, no. No, no, no, just this home, 800,000 equity. What is 30 racks? I just owe a friend that. It was like a gambling. You owe a friend 30, okay. For like degenerates, what is a rack? Oh, thousand. Okay, why do you own 30? Oh, I don't know. I was like, but... Are you not afraid of retirement? Because that's what I'm afraid of. I'm going into this conversation thinking about how do we get you to the point of any kind of stability? If anything were to happen, you'd be fine. That's my big conversation I'm trying to have here. Okay, okay. The thing is, I don't want to retire at any point. Because what do you do? No, no, no, it's a sense of security. If something goes to shit, it gives you a chance to build back up. But you have to understand that if anything, like, okay, in your head, like what is like going to shit mean? Lose all your income, income zero. How would that happen? It happens to people all the time. Businesses go under every single day. Billionaires go to zero. This happens. And you're not special in that regard. Are you kidding me? In that regard, compared to people with billion dollar businesses, no. Those, and you're telling me they just lost a billion dollar business, income zero, and then they die? Yes, you never know. That does not happen. And A, B, it would never happen to me. You cannot speak that into existence because that would never happen to me. I hope it doesn't happen to you. You say that out of your mouth is like, you putting this into the world, an idea that would never happen. That's like me sitting here like saying, It's happened to people. I hope it's happened to people, but it would never in a million years happen to me. Because dude, you have to understand who you're talking to, the man that can go to the moon. I live on Mars. Nothing, I could lose it all and make it back. And dude, it's also like, bro, I have such, this is the difference, right, between you and I. I care so much for people that I'll go broke for a person. You can't say I don't. I, but no, but you put a monetary value. So they can live their lives independently. You are worth your health and health insurance and you're gone, whatever. No, hey Togi, guess what? Your mom's cancer doesn't fit our statements. No, Togi, first of all, listen, if you do have assets, let's say, $2 million, if someone gets an aggressive form of cancer and they need extensive treatment, that might cost millions, something you can't cover by liquidating everything. Number two, I'll cover it in three months. No problem, you have to understand this. Now when you're over that, you don't understand. You don't understand. You don't understand. 250. That karma is a very real thing. I think because I am so charitable that I'll always have the universe working for me. It's not about the numbers, it's about the vibes. I'm trying to explain to you how important the vibes are of this life. And it's like, everything gotta be on a spreadsheet for you. No, and number two. The vibes are very important. If he leaves for whatever reason, either forcefully or he leaves on his own, you don't take care of him anymore. But if he was making enough, he could set aside money. No, he's my employee aside, he's my friend for life. He's your friend now, not everyone's friends forever. It happens. No, that's the thing. You've never lost a friend in your life? Not once, have you? I've ever lost a friend. Not once. I have about seven friends. A friendship is allowed, ever. Never, I have seven friends and I would die for every single one of them. How old are you? 23. Well, that's why. I mean, dude, you just don't have life yet. No, no, you can't say something's gonna happen to me because I've not lived enough. No, it's just happening. That's like having this, again. No, no, no, no, no. It just happens to everyone. It happens to other people, but it's gonna happen to you just because you don't understand. You're talking to me like I don't understand my own friendship and you're trying to, again, put this numerical value, this statistic on my friendship, on my love lives, that's never gonna happen to me. Togue, you're not listening. I'm listening and you're telling me because it happens to everybody else is gonna happen to you. I'm not saying it's going to happen to you. I'm saying because it is so common, there is a decent chance. And if it does, they're f***ed because you didn't take care of them. No, no, but here's the thing. To prepare themselves. Here's the thing, here's the thing. If a friendship somehow were to fizzle out, because of the many, many, many years of me getting to know that person, building connection, love doesn't just evaporate. If I love somebody and we had a falling out and something happened, I would still send them a million dollars and I can say that with 100% confidence. Okay, what if you died at 35 because you were f***ing stepped into the street, got hit by a truck. And they're 60 trying to survive. I give every one of my friends the best opportunity. Right now we're teaching Edward how to work hard. We're teaching, we're giving half of my business to them. Proud of you, Edward. I, every single person in my circle, I don't just give them money so that they can save up and make their little 100,000. I give them the opportunity to become something incredible in their mind. What do you think, or has Edward learned being around you who lost his house gambling? Dude, just me sitting here on this podcast talking to you is something that he was never exposed to before, this world, it's like now he's in the room with you. What did you f***ing learn from this, Edward? He's going to learn something at the end of it because he's in a room with a goaded finance, he go to YouTuber. Look at this, he's sitting in the room with one of the goats. You're telling me that's not valuable? If you were sitting in a room with Jay-Z, you're gonna say, you know, what did I learn really from that? Yeah, but you're like the only influencer to even come on the show. He would come here as a normal person. We filmed with three normal people regardless. Like it didn't- That's the strippid of the value. Yeah, but he could have come here regardless. Like I'm saying he's here with you now. Yesterday he was hanging out with Steve Lduet, one of the biggest YouTubers in the world. And the day before that, he's with the Trentwins, two of the best power lifters in the world. He means cool people, what is he learning? He's with Year A production. He gets to be learning in these circles. And then we do like whatever, a reflection of everything, understanding what's going on. His reflection led to a pay cut. Ready to launch your business? Get started with the commerce platform made for entrepreneurs. Shopify is specially designed to help you start, run and grow your business with easy customizable themes that let you build your brand, marketing tools that get your products out there. Integrated shipping solutions that actually save you time. From startups to scale ups, online, in person and on the go. Shopify is made for entrepreneurs like you. Sign up for your $1 a month trial at Shopify.com slash setup. Yes, that's how it works, bro. If I kept blowing smoke up his ass, oh, good job, good job. Then he's gonna keep thinking he's doing incredible. But by saying, okay, this is the reality. I'm not gonna fire you. Your pay has been cut to effectively zero. Now it's a wake up call. We'll bring him in in the post show and we'll let him speak his truth. Yeah, yeah. Okay, listen, man. So I am about to go into these finances because we do need to get into this, but I think I at least understand where you're coming from a little more now. Because again, I really- That was the getting to know segment? Yes, all right, let's dive into the- I don't know your perspective. I don't even know how you view things, but now I kind of do. I didn't really understand it in general. But how frequently are you gambling? How frequently? How frequently are you gambling large sums of money from your million that comes in a month? Which is not a million in profit, by the way. We do not know what your overhead is. You know your labor costs potentially. Yeah, but the overhead is fluctuating. But- Yeah, per video. So the net income per month to the bank account is 700,000, right, as we've seen. I was just told it was a million. No, no, and then I make 300 plus through other schemes that might never, like the gambling and stuff. Oh, so that's if it happens? No, no, no, there's like deals in place that guarantee- But that's the- But that's- Checking account. So that's my gambling budget. Okay, what did you pay for this underperforming video that you uploaded six hours ago? I thought it performed very well. Can I see? Yeah. And I'm just assuming not. I mean, yeah, I'm not. It's performing, well, you can look at it. Yeah, what's it's ranking? Four out of 10. Oh, okay. It seems like it was on the lower. So what did that cost for 53 minutes, 18 cents, a non-monetized content? 900,000. Okay. Actually a million, a million probably too. Okay, and you make a video a month. Yeah. And if a million's coming in, I mean, that's a million out plus more. But it was, so you have to understand this. I feel like you are lacking in life epic experiences and you have a lot of money. That video is going to make whatever, however many people laugh, I get to cherish those memories forever. And that video, it's like having a cool car. So it's like you spent a million on a cool car. That's the same for the video. I got to spend whatever and it's gonna do a few million views. Will it ROI? Probably not, but that's the pursuit. Listen, listen, the pursuit of better is shooting shots and it might not work. I took the risk, 900,000, I took the risk. Will it ROI? I will find out. And if it doesn't, that's okay. Because now I know I tried. I never have to ask what if I tried to do a high production video? What if I tried to do something that was way out of my league but I'm trying to get there? Maybe it doesn't work, but I tried and now I know. So you're judging me on my failures aggressively. You should be, I applaud people for their failures. So that's why if I was working for you, I'd be freaking the out. Cause it's like, oh dude, he's gonna, I messed this one thing up. If somebody on my team tries to do something, like that's a little outside of the box. Yeah. Great. If it doesn't work, that's great. We're outside of the box. That's where I live. He's f***ing ours. You're sitting here with this cookie cutter, everything's got an ROI. That makes everything less exciting. Payroll to hit man. People deserve to actually be paid adequate amount of money. So I have to make choices and yes, be cookie cutter so that people actually are able to pay for their f***ing rent because they don't live with me because we're not in some kind of cult. No, none of that is relatable to me at all. Like you're speaking to me like all my friends, we're buying also the next thing we're saving up for is a property. We're not renting it out to anybody. It's just for friends to live in. Tell you lose it. So the living life experience is versus saving. The fact is because of what I've done and put actually money aside, I can live any life experience I want to now for the rest of my life. Yeah, but it's not, it's not, listen, it's about how your brain has been hardwired. You won't. It's the same with the coffee hour guys. Well, I'm gonna keep working. No, they're more extreme. It's the same as the coffee hour guys. Because they're like, oh, I only have to, I only can spend 4% of my money on here or whatever. You, if they're more extreme, if you're within a 20 X range of them, you've been wired your whole life to, I have to save excessively. Did you grow up with foreclosure notices on your house? I don't even know what that is. Okay. Well, I did. That's why I was hired that way. The threat of losing a house, be growing up. I have lived in a closet before it. It's not that bad, dude. It's like chill. It's not a big deal. I used to live in a closet with a frat for free because I couldn't afford it, whatever. Dude, you lived in a frat. I mean, that's all it was. Yeah. Come on. Everyone lives in weird situations in a frat. That's what I'm saying is, it's not that bad to be effectively homeless. Okay, that is not homeless. That is very different than losing a family home and seeing your parents struggle to pay a bill. That's fair. So, okay. Living in a frat? What the fuck are we talking about? Okay, okay, okay. Okay. That's different. I mean, I wanted to rebuttal to something that you said, but. About how you're hardwired. No, it's not about that. It was about something you were saying. To save money and not enjoy life. With your $900 million or a million dollars that you spent. How to return on investment. Like, I don't know, man. I don't know. What are your goals? What do you want to do? Enjoy this life. Okay, financial goals. Oh. That goes into your enjoyment, but what is it? I don't think about financial goals too much because there's other things that are more important to me. There are, but what financial goals do you have even if they're not top priority? Oh, got you. None. I've never really been like, I need a goal, but that's why I'm here. Is because it was, well, mostly because my mom would be happy if I had a goal. So maybe you can help me make a goal. But the point is that it's always been so low on my priority that it's never even a goal doesn't get established. Do you have a girlfriend? Mm-hmm. Okay. How far are you guys in this relationship? I've been dating for like 13 months. So, okay. You know, you're taking them more serious? No, no, no. She knows that we are not getting married. You're not getting married. Yeah. Do you ever want to get married? Yeah, but. Potential kids? You have to understand, I don't know. It's very hard. You don't know, but I want you to be able to take care of them if you die. I mean, that's a big thing. What would your girlfriend do today if you die? Do your kids need, isn't it? What, if you could spend 100,000 a year on your kids, is that's a pretty good life? That would be a great life. Are you saying per kid? That would be incredible. Okay, so let's establish a goal right now. If I maxed out four kids. For 100,000 hours each for the rest of the day? Yeah, we'll do 50,000 each, because when there's multiple kids, it's like cheaper per kid, right? And the wife probably as well, right? Let's say I would like to raise four kids to 18 years old. How much money do we need? Plus the mother of the children, I'm assuming, right? Plus the mother, sure. So we're gonna call her 50, 250,000 hours. Okay, if you're trying to get to 250,000 dollars. Yeah, I mean, it would be comfortable with about 15 million dollars sitting in a decently balanced. There's no way you need 15 million dollars to raise. For them to never run out of money, you have to do about a 3% withdrawal on a yearly basis. Absolutely. Oh, so you're saying 15 million, you take out 3% every year and eventually it's at zero when they're 18? No, it should never be at zero. That's what we're trying to get it to. Oh, no, no, but that's what I'm saying is, do you want it to go down to zero? What that's what I'm saying is that's okay. I don't need, that's okay if I die broke and my kids don't have any money, but they had a great upbringing, they learned a lot. I would rather my kids not have 15 million dollars. I would rather them have good upbringing, the money's gone at the end, so that way. But why were you telling Edward on the way over here that you wanted to have kids? Did you, I didn't, that was, someone who was saying that I don't want to have kids. He wants me to have a kid. He wants you to have a kid. The point is, it's a whole thing. Can't even take care of him, I can take care of a kid. This is the whole thing, he wants a kid, so he wants me to have kids, so he feels better about his kid. Edward, you can't raise a kid on a thousand hours a month, Edward. How old is Edward? 22. Either way, so the point is, I don't want kids, but surely that mentality changes as I'm mature. But the point is, just tell me how much money, so it's zero, we're not talking about 3% withdrawal rate. To get the mic, four kids to 18, how many dollars? Alt's under 3,000 hours a year times 18. And then the mother of them just has to survive off a nothing for the rest of her life? No, no, sure, give her a hundred, sure give the mother a hundred thousand dollars a year. For the rest of her life forever? No, no, no, everybody is only surviving until the kids are 18, and then as far as that goes, once you have kids that are 18, your life is over. You might as well be, you know, dead. Is that like the ultimate? Lucky woman who gets to have your children. 5.4 million. Okay, 5.4 million. So how much is that a year? Well, I don't know how many years to get to it. 18 years, dude, divide 5.4 million to have a, but if I had 18 years. Yes, well, how much is that a year? Enough to take care of them. It's a hundred for her and 50 each for per child. So I don't know what we're talking about. How much money is in a year? 300 a year. 300,000 a year. That's what you asked for, yeah. I don't see how I could ever not make $300,000 in a year. No, I said if you're dead, dude. Oh, if I'm dead, if I die. We're trying to prepare. But then there's no kids if I die, dude. Oh my goodness, it's after, it's after the children. Oh, the children get born in an attack. Yes, that happens to his wife. Dude, that's not, no, no, no, no, no, no. Then the dynamic of the family changes. Yeah, they'll be sad and poor. They'll be hardworking motherf***ers. You ever heard of David Goggins? Holy f***, one of the coolest badass motherf***ers alive. No father life, no parents. He got f***ed around nonstop, but now he's the goat. So it's like, bro, the dynamic changes. God has a plan for the kids. Yeah, I love making a three-year-old work hard. David Goggins is really well off. Glad you picked one guy. Dude, but if he can't, why can't they? And that's what you don't get, is that anyone can do everything. You think everyone needs to save because it's like manifesting your own and everyone else's failure. It's like, their own demise is coming, so you gotta be ready for the demise. How about this? It's basic planning. I'm on cloud nine and it's never gonna happen. That's where David Goggins is so successful because it was never a question. We're not going to something. There's never a plan B. There's never like, oh, what if this goes wrong? It's called plan A squared. Why did he get healthy? Why did Goggins get healthy? What? Why did he get healthy? Because he was a fat f***. He wanted to join the Marines. Wasn't out of any fear for health complications at all and having more energy in life? I don't know. Did you ask him? I have no idea. In his book. You know him, I don't. In his book, he did not speak on health complications. You read a book? No, no, I listen to it. Okay, I'm assuming if it was just to join the Marines then the point doesn't stand. But if it was for doing more health, if he can do anything, then why can't he be a fat f***ing join the Marines? Because to join the Marines, you got it. If you could just do anything you want. Exactly. And if you want to take care of your kids, you need a bit of money to make sure they're taken care of. The process of joining the Marines made them skinny as a result. That's not like a... And the process of making sure your kids are taken care of by the time you die is I save you money. No, no, no, what that's what I'm saying is if I do die, they will figure it out. Not necessarily. Many kids don't. Yes, bro, and listen, this is setting them up. Life isn't supposed to be so easy. If I die, my kids are gonna be stronger than I am today. I'm not saying making spoils. Listen, every day I've had a very good upbringing and that to a degree, those who go through more trials and more difficult battles have a higher purpose and have a higher ceiling. Because I almost, because I was so blessed and had such an easy life, I am effectively not as hard. I'm not as hardwired as somebody like David Goggins would be. So... It's also why you're not afraid of anything bad happening. If something bad were to happen, I would pray to God that he has a plan for me and it's gonna make me a better person at the end. He does, that plan might be at home with us. You can't say that nothing is bad that happened to me in my life. I almost died last year. I overdosed and I almost died. That's fundamentally bad. Well, that's your choice to do drugs, asshole. Yeah, just because it was, that doesn't mean it wasn't bad. The point is that's why I don't bring it up because it's my own fault, right? But listen, just because something is bad, it might be a blessing. God has a plan. And just because something, whatever, again, countless people become stronger because they're trials. Now, their ceiling is unlimited. Countless people become homeless every single day in this country and they believe in God and that's their plan. And that's the plan that was made for their lives. You are putting too much value on money. Security. Who's to say that anybody doing much less than you isn't, you've never asked. What? Okay, what I'm saying is I know a lot of billionaires that are depressed and I know a lot of homeless people that are depressed. It's not about that money. I'm not trying to make you happy. I already know you're happy. I'm arguing for a little sense of security if your life turns on its head. You might be a paraplegic tomorrow. You don't know what's gonna happen, dude. That's all I'm saying. It happens to people every single day. That's what I'm saying is, okay, if I become a paraplegic. I'm not trying to buy your happiness. Okay, if I become a paraplegic. Okay, what are you saying? I should have, so your picture that you're painting right now is 10 years I get both my legs cut off or something of that nature. Yeah, you dive into the water wrong, dude. And it happens all the time. It's happening to people I know actually. It's kind of crazy. And so what's the point? Then you're not gonna be able to produce the same kind of content. Your views are gonna fall off. It's not about the YouTube views. No, it's about security. I wanna make sure you can take care of yourself for the rest of your life. I can take care of myself because I'm toggy. Not because I got a YouTube channel. So you're ego? Yes. Uh-huh. But I feel like you're not understanding. But every successful person has this to a degree. You used to be very unsuccessful and whatever. And you became something magnificent. You had a degree of delusional ego in your own head. So you're not necessarily showing it. I'm saying ego's bad, but if it's putting you in a position where you might f**k up your entire life if something goes bad, that could be damaging. Life is risky. Okay. And that's why you overdosed. And that's not good. Yeah, and that's not great. So f**k it, life is risky. Dude, life is risky. And me overdosing may have potentially inspired millions of people to get off of drugs. Oh, good. Do it again. You'll say it more. You're not saying, no, but then I might die. So you wanna say- Yeah, so what the f**k are we saying? Because what you're saying is that you're sitting here walking on like this line of like, oh, everything is f**king, and I gotta be so careful. I don't wanna live like that. I just wanna be able to do, you know, whatever and come, it's more exciting to have all the risks coming at me. So it's not a big deal. Well, unfortunately your drug use incentivized and inspired Brandon to do drugs instead of quitting. So- Is this true? You did drugs because of toggy? Yes, sir. All right. So that- What did you overdose on? I thought you said you barely tried it, but you did a lot or something. So the first time you ever did it? No, that was many times in. How for f**k's sake? Listen, bro, my experience is I could, bro. And you're done. You haven't? Yeah, yeah, I've been sober for about four months. In that four months, I had one night where I did cocaine until maybe 16 months ago. Okay. Okay, so you relapse often. No, no, in the last four months, I relapsed once. I got really wracked by what's called 10 AM. So we're making good progress. In the last four months, yes, you've relapsed, but- And also before the most recent four months and the 16 months that you went to- After I overdosed, it was not any second of, like, we should stop. There was a, that's the life of a drug addict. Now, why have you stopped now? That's a good question. Life is just too busy to be giga-wracked on f**k all the time. But either way, I don't plan on being sober forever. I'm just like mad busy, and then I just like haven't done drugs in four months. Is that what it helps with? Not to sell you on it, but- Not really. That kind of helps you like make really bad decisions and gamble like for 20 to 80 hours straight. Wait, so all the content- Oh, all the content that everyone was watching until a few months ago was f**ked out content? No, there's like specific videos that I can tell you. And then a lot of, the drugs like rotate. We say f**k as like, because whatever, that's what I overdosed on, but there's like the video, why not you? I was on Adderall for the whole thing, like really wracked, like 100 milligrams Adderall, the whole thing. And you can pretty clearly tell like when Togi gets on the camera, is that guy on Adderall? Adderall was my favorite. What was your most f**ked out video? No, no, I didn't usually do it on camera. That was just like for the love of the game. That's why he's the goat, the goat! And don't forget, I want you to be on the next episode of Financial Audit. So go to Calebhammer.com slash apply or click that link in the description below. You'll have a great time and I'm gonna roast the f**k out of you. Starbucks is bulls**t and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make GamerSubs at home for just 40 cents of serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is GamerSubs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. But dude, okay, what is the big deal about feeling like, why are you so judgmental, dude? It's chill, bro. I'm asking questions. No, no, but you're like, say there's like, okay, like he did for the love of game. It's like, oh, okay. It's like, dude, yeah, I did. I'm sorry, I'm taking it in. It's like, it's really pretty awesome. But the point being is that it's like, dude, okay, whoa, whoa, whoa. You're gonna have to accept the fact that some people like a slightly riskier life. I'm okay with the riskier life. I'm okay with it. You've been busting my balls about it, but okay. I'm just advocating for one thing. You said you decided a couple million. Okay, okay, okay, give me the game plan. Okay, the game plan, and I'm gonna go through these finances right now and then we're gonna go through it. I literally just want you to set aside a couple million dollars, five million dollars, and then just pretend like it never exists and you can blow the rest. I don't give a f***. That's it. Can we just agree on that? Okay, so I should set aside five million. Just that. All right, I'll set aside five million. You can live a good life with that. Wait, how do I do that? What is, I wanna know from your perspective, how would you rate your finances zero to 10 as a big picture, zero being the absolute worst, 10 being the absolute best? Nine. If you want your hand to finance the score, get it at CalebHambra.com. It just takes a few minutes to sign up. You take the score and then- There's a thing that does it? Yeah, there's a thing that does it. And thousands of people do it daily. You can do it and it is free at CalebHambra.com. And if you don't wanna be like, togey, don't do it, then also make sure to download the Dallow Eyes budgeting app. It is the best budgeting app out there for a reason. Take the free trial, so if you like it, most people take the annual version because it saves them 50% on their money. And of course, when you do, I will send you my signed budget-friendly cookbook mailed directly to you. And that is going away at the end of March. So check that out. DallowEyes.com, CalebHambra.com. Let's see Togey's money of the statements he did send. You use the thing in the ad. You like that. It's cool, it's fun, right? What the what? You're like, oh, don't be like Togey the- Because it's like, you know, engaging, exciting, whatever. I think you secretly, I think we're gonna be friends after this because you love how crazy it is. And like, part of you is like living vicariously. It's like, I shouldn't, but that's awesome. Like secretly you're an advocate for the degeneracy. Oh, I'm a degenerate. I'm a degenerate. We have different degenerates. I'm a sex degenerate. It's well established on this show. I'm a degenerate in a lot of ways. I'm just not a drug guy. I'm just not a drug guy. Never been my thing. You ever banged? So, platinum card. It's like a common thing. He loves whatever, but I thought we were like, I was trying to create like a bridge, some common ground here that we could like shoot the shit about like, how about that? Like, what do we bang the same one point in our lives? But it's cool. We can talk about it after, but onto the finances. Your platinum card, what goes on with this card? I don't know, because I have my mom, my dad, my sister, my grandma, my roommate and me on it. Your roommate, what? Isn't he your roommate? Oh, he also has the Amex. Everyone in the world has that. Why don't I? Because you're rich as fuck. What the fuck do you need it for, bro? So, you don't need more money, bro. Don't be greedy. Well, my grandma is poor and she needs the Amex. If you make millions a year, why is she still poor? Here's the thing, right? If I were to like give my grandmother any amount of anything, I secretly have, I didn't tell you about this and I don't even want to tell the camera, but it's in a secret place, there's about 400,000 saved for my grandmother. But- In a secret place. That's like gigatop secret, but either way- Is it? Am I leaving it in or is it possible? You can leave it in, you can leave it in, whatever. But the point is, bro, they would kill me if I bought them a Tesla or something or whatever. So, my grandma takes the card and she likes to show her friends, they go to their little Asian meetup and she goes, this is my grand son's card and she pays for the launch once a month. She loves it. That's all she does with the credit card. Are they proud of you as an Asian? Yeah, you know, it's so funny. Oh my God, my grandpa, so four grandkids, everyone goes to college, very strict, oh, get a PhD, super strict. I dropped out of college and they're like, you have to go to college every day, you have to go to college, you have to go to college. And then I showed my grandpa that I was making whatever, 700,000, what is the number? It was six, 700,000 a month. And he's like, he tried to get all the other grandkids to drop out and work for me, because he's like, what the fuck are we doing getting PhDs when he makes what a doctor makes every month? I am confused, because 600 or 628,000 is what came in. Okay, yeah. It was just a low month, you said a million comes in, 628, this was last month. Oh, that was last month. Yeah, last month then, that's it. Well, that, yeah, I guess it varies a good bit. That seems really bizarrely low. The, this, are you sure that was February? February, we did make. Unless I don't have all your accounts, man. February, we came back at like 1.6. I don't know, maybe the business did, but maybe I don't have that, maybe your net is just that, and then you spent more than double it. Yeah, I don't know. Is this paid off every single month? Yeah. Okay, I think so as well, and it's because of... Moak, what's his name? What are we talking about? Fuck, what's his name? Dirk? Gerd. Oh, Gerd, because of Gerd. Gerd pays this off every single month. I don't know how it happens, I pay it somewhere. But via Gerd. No, no, I actually, no. Do you live with Gerd? Yeah, yeah, Gerd's one of my best friends. We trust him financially. It doesn't really matter. I could get somebody that I trust more financially, but I would rather Gerd grow into a person that I can trust financially because I trust him as a friend. So if I, if he learns the skills and he f***s me out of a few million dollars in the process of learning the skills, then we're the giga team. Then I invested a few million in his education, and then it's like, toge, you really can't be stopped. Bro, in six years, when everybody on my team, we know what we're doing, and we're gonna be awesome. What if Gerd is siphoning money? You don't know about it to himself. He would never do that. How do you know? What if he thinks it's moral? What if he doesn't even consider it siphoning? He's smart enough to know there's what is siphoning and what is not. I would never check it because I know he would never do that. And also, given the many people that look through the finances, like whatever, we got Amanda. How many people are looking through the finances? You now. Who's Amanda? The coffee hour, CPA, financial planner. This is access to everything. So there would be red flags, but either way, the point is that, I don't know if this is something that's like, I don't understand why there would be any paranoia. Like I would die for this person, and this person would die for me. So why would I ever be like, I wonder if he's siphoning money? Like, do you think your friends are siphoning money from you? They don't have access to my accounts. Because you think they might siphon it from you? No, I just, bro. You're just not supposed to let people have access to your accounts. Okay, okay, fair, fair. I trust them enough, and they would never do that. I mean, there are parents that love their kids that have siphoned money from the child actors' kids. I mean, this has happened. Yeah, but you keep like, using the world to analyze my relationships. Because which is fair, because you don't know me, but I know me, and I know that would never happen. You know you, but there's also people that are surrounding you, and people when they become successful. Only, okay, sure. How many people do you trust that I entered your life since you've become successful, that you consider one of your seven that you would die for? Oh, probably one. Okay, well him plus the ones coming up, there's an extra level of questioning that has to be done there. You never know who tries to surround themselves with these people. I'm surprised there's even one. I'm not like in the running for new friends. Like I don't really accept it with open arms. So I'm very paranoid about who you are. You're not inviting me over. I don't get to see the Austin house. We can do a party after this with the, skip out on that, it's awesome. But the point is I wouldn't give you access now because I dislike you just because I don't, like after the fame or whatever, I'm a lot more paranoid about it. But these are people that I've known forever. Okay, okay. Okay, listen, 200,000 hours was spent on this card in one month. Yeah. One card, one statement. I think it was actually, what statement is this? Let me see this. Well it was actually more, it was 300,000. That was before pay over times. 300 something. Which I don't think you'll be shocked is a record on the show. I think you spent more than Anne Randtid. She was the other highest earner. Who's that? How much did your cost? Bro, oh my God. I one time gave him $50,000 because I was so fucked up. Well, that's got an Austin. Oh, I never got one in Austin. Okay. Just like Vegas usually. 50,000, have you been with your girlfriend? No, we've been with her. No, we've been with her. Decided that's gross because there's like a, not with her while you've been with her. Oh, no, no, no. You haven't had sex with one other person while you've been with her. No, no, no. I have like, You're all getting to Tobers. Let's say maybe four months when it was like kind of dating whatever. I was banging a ton of people and since it got like serious, we have straightened out. You believe this? He's with me 24 seven. You're getting paid. You're getting paid. He's not getting paid. He gets paid $1,000 a month. Okay. Okay, first of all, all throughout here. You own all these cars, but there are Uber for every second of your life. And it's always like the top and Ubers. And also how often do you go to Uchiko? Uchiko, bro, is awesome. It is. No, I go there twice a week. Yeah, I don't know. How much do I go to Uchiko? We never, bro. Often. I'm just surprised we haven't seen each other at Uchiko. Like I'm literally always at Uchiko. I go late though. 9 PM. 9? Yeah. Sometimes, man. Okay. We'll go to Uchiko. That's me and my girlfriend's favorite spot. We take flights all the time. I'm assuming that's for videos. Please tell me if that's for videos. Or are we just flying to around? Or are we just having fun? Videos. Okay. So where did we have to travel for this four out of 10 video? We went to Atlanta. Where the fuck were we? I don't even know. Where was that? Where did we go for this? Atlanta, LA. Yeah, I don't know. Why does it cost so much? This is $2,800 for flights. $2,800 for flights. Everybody on my team flights first class. What the fuck? Perfect. Join us. And how many people come? I don't know. I got one to five. How many people come? Edward. I'm not lying to you, bro. Why would I lie about one to five people coming? I'm not saying you're lying. I just don't think you know. Oh. Yeah, I was like one to five, probably. Okay. Lowe's popped up all the time. Lowe's? Yeah. Oh, I don't know. We're going to Lowe's all the time. So this is in the portion of, let's see, because this is separated between different people. Who is this? Who is this first portion? Okay, so this, we blacked out, name's Sid away. This first person, who's the first person? It's probably, I can tell you, if it's Lowe's. Well, who's donating on kick every second of their life? Bro. I'm logged in on, we were doing a thing. I was logged in on Steve, we'll do its computer, he gifted himself like 500 subs. Yeah. Listen, Edward, I'm going to get you a course career certification and a FIS card so you can start your life. It's okay, you wouldn't know what they are, but. But it's like, dude, I don't know. It's if you fail him or die. Oh yeah, yeah, yeah, but Edward's never going to fail himself. Sorry, mine card, I forget. Why are you acting like I'm his dad, bro? He's like a totally capable mother. It's going to be a millionaire one way or another, if totally you die for him. Looks like a little boy, I don't know. He's accepting a thousand dollars. Why are we judging off of looks and you're overweight? I'm not saying you're talking about it like, bro. You can, but I don't know what I'm saying. I would never want that to get us to you. Also, it's obese, not overweight. I don't know the difference, but what I'm saying is he's a totally capable dude. Totally capable dude, except you picked the Mexican of your group to go to Lowe's. Yeah, bro, no, he doesn't go to Lowe's, I think it's Girmalert. Either way, it's not the point, if he would be better at going to Lowe's probably. I don't know, I don't know who does any of this. Edward, do you go to Lowe's? I don't know, I don't run these things. You don't run the things, but you choose how much they make if they're doing well or not. Oh yeah. But you don't run it, you don't know what's happening. Kick streaming, in and out, $82 of in and out. Airbnb, $800. Uber trip to super trips everywhere, everywhere. Airbnb, Airbnb, $2,200. So do you guys Airbnb every time you go somewhere? So you get a full rein? I wouldn't be surprised if on this statement there's like 20,000 at Airbnb. No, there's probably gonna be more than that. Yeah, Uber Eats, $91, Uber Eats, $88. Is that all the meals you guys have unless you go somewhere nice? It's just no way. No, it's the funniest, we actually have a private chef. Well, we're Uber eating every meal. Why? Because we fired him like three days ago. Why? But this whole month. Why is he fired? Airbnb just wasn't, I wasn't used out of my life, I was like traveling, I'd leave for like months. And did you take care of him when you're firing? I gave him $10,000 severance. What was his monthly pay? Six and a half. That's not great. Well, when he joined. Talking about caring people, when I fired people even that I hate, I give him better severance. Well, when he joined we said, this is not a real job. He was like unemployed and was like, I really need to work on this, I'm sure you can be my chef. And it was like, this is not gonna last more than six months. Okay. Dash pass, Uber Eats, $20, Uber Eats, $230, Uber Eats, $91, Uber Eats, $82, Uber Eats, $6.59, Hotel, $150, oddly cheap. I don't know if it was like a down payment. Yeah, surely that was a... Whoever this is is going into the gas station and getting snacks and drinks all the time, by the way. Swiping your card for little snack drinks. I don't care, dude, I encourage it. You encourage that. Bro, they can spend my money, they're my friends. Okay. Well, I encourage you spending your money on Gamer Subs, 40 cents a serving. Link in the description below. That was good, well played. Yeah. It's bro. Uber Eats, $34, Uber Eats, $28, Uber Eats, $72, Airbnb, $4,000. Okay. That place must have been nice. Well, no, they're all around that same price, man. So wherever, I mean, you always stay nice, right? Yeah, we... You ever not stay, I mean, your first class and everywhere. Yeah, we try and stay at nice places. No, these ones are your charges directly. Apparently this is your section. Oh, weird. Okay. Uber Eats, $63, Newslink to MIA. Oh, that's Miami Airport. Oh, okay, 34. What? Hotel, about water. How's the hotel, $22, Chick-fil-A, 15 bucks. At least you went there instead of ordering. Yeah. Listen, you don't need a nickel and dime. You can live a very high elevated life with a lot of fun. That's not even, I'm not advocating against that. Because you talk about iced coffee hour, what those guys, what Graham would do is like, you know, don't spend 5% of your income. No, yeah, spend 70% of your income. I don't give a... But save the other 30% at least. Bro, look at my investment account right now. We'll get to your investment account. Okay. We'll get to your investment account. I've been saving up, bro. And yeah, until you lose it in a gamble. Yeah. Do you own your house in Austin? No, I only have 800,000 down on it. Where is the second house on it? There's only one house. Okay, I don't know where this is computed. There's one house in Austin. The house of the one you didn't lose. You said you own another house. Until I lost it. You lost both houses? Oh, I see. I said you owned twice. This is, okay. There was two houses. One eliminated, house owned mortgage. Where is that house? Here. So you own a house in Austin. And that's what, okay. Very good. Very good. And let me guess. Yeah. Okay, I believe that, but that's where like all the charges are. Oh really? Uber Eats $34. Also, how the f*** you live there? That's the first place I lived when I moved to Austin. I wanted to kill myself. Well, bro. It's 40 minutes to anywhere. I didn't, we didn't, had never been to Austin when we bought the house. You could live anywhere. That's the most miserable place to live. I think it's like a full and low paradise, but it is agonizing how far it is, but. Yeah, you can live in a lot of paradises. Keeps you grateful, you know? How lucky am I to drive here in the Rolls Royce? Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. It's a win-win. You get money and I get money. These are called affiliates. And you get that sweet, sweet cash for signing up for some amazing products. The first one is time. This is a checking account that I personally use and you get up to a $350 bonus with a new time checking account and earn up to 3.5% APY under savings. And second, my investing at Pachoy's these days is Webull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the sign up bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money, I get money. Enjoy! Links are in the description below. I'm grateful if it's like a 90-minute car ride. No, but it's like awesome. At least I'm not walking. Okay. Yeah, I don't think I would suggest you walking. Do you have a security? Security guards? Yeah. Did my guy frisk you? Did he touch you on all that stuff? No. Give you the little touches? He didn't touch you? What am I gonna do in here? Come like rob you guys? Blast me, I don't know. You're mad. I don't know what's happening. That's true bro, you should not trust people that do. No. It's a super, super. That's like a sketchy sketchy group. $200 to that hotel, $3,000 to that hotel. Uber Eats 101, Uber Eats $33. Uber Eats $41, Uber Eats $36. What are you Uber eating? Cause this is multiple times a day. What are you Uber eating? Oh, like if you need like say toenail clippers, Uber Eats it. If you need a, and then we like say we're traveling and like we need a monitor, Uber Eats it. Dude, this is. Bro, I don't know, but you have to understand, I have no idea. This Elzer hotel, you're obsessed with it. We can, we can, we can, the Elzer hotel. Hotel Bell Air 5000, basically, Hotel Bell Air, almost $5,000. Whoa, that was five racks. Almost. Whoa, what? At least look into things before you do it. But it is a kind of baller feeling. Cause if we show up, swipe, don't even look at it. That was a scam. Five racks for Hotel Bell Air. Okay. And you freaked out about the water bottle you purchased. Hote, yeah. That's it, $35 Airbnb, Uber Eats $93, Uber Eats $41, Uber Eats $41 again, Uber Eats $78, Uber Eats $92, Hotel Bell Air $70, Uber Eats $36, Uber Eats $99, Uber Eats $18, Uber Eats $106, Uber Eats $109, Airbnb $682, Uber Eats $76, Uber Eats $58, Uber Eats $12, Uber Eats $35. Door-nashing best by $1,105. That was for a new monitor, bro. It's crazy. The OLED, you ever had that? Yes. Bro, it's awesome. Bro, I live in, she's like 30 minutes to go get it. Exactly, don't live in, bought a house in. Oh, we didn't know we were doing it. Bro, you know how it's so easy to- Place that location. Easy to, not easy. It's so hard to buy a house. Like I can't just pick, oh, okay, let me go buy a new house. We're locked in there. Kind of, if you actually followed any of this shit that we talk about, if you send money inside, yeah, you're gonna buy a house, a nice house. No, no, it's not like- That's like with the view of downtown in cash. Oh yeah, it's not about having the money. It's about, well, that's part of it, but it's about like doing it. Adults thing is not easy, bro. It's relatively easy. What's hard? Specifically about- I don't know what is easy about it. What parts do you find to be, were like- Most people are in a cycle. You go to work, you make your money, come home, make your food, go to- Bro, but then it's like, now I gotta you know, figure out how to get a mortgage and also figure out- You know what I'm saying? You talked to a realtor. The first, prepared by Buy In Miami, didn't know you had to pay utilities. I thought it was just like on and shit. So we didn't go there for a couple months. Mold everywhere in the house in my brand new crib because 30,000 to get the mold out. The pool had to be redone. That's- Why don't you have people? Why don't you talk to your parents about anything? My parents would have told me, but they, I didn't ask them because it's like fun to figure out life with your friends. And none of my friends knew you had to get utilities. So now it's like, all right, now we know. You surround yourself with- We're all, but that's the life, bro. I surround myself with people that I love. And I don't- Cut the crap, I'm glad. I don't care about how smart they are, you know? Cause who am I to say? I'm not that smart. Uh huh. Paradise? Is that what this is? Paradise. Is it in there? Oh, paradise. Is it? No. All right, you spent 28 bucks there, five bucks there. Uber, vending machine. It's not that crazy, but Uber Eats again. Apple Pay, Apple Pay, Apple Pay, Apple Pay. Farmland's kitchen, GeoGuessor, you're paying for GeoGuessor, I guess. Are you doing that on stream? I don't know. No, I've not played that game in like four years. Oh my. Uber Eats. It's $5 a month, bro. It's- Yeah, and you haven't played it in four years. Uber Eats, Uber Eats, Uber Eats, $5 a month to change that kid's life. He's poor, gifted subs. Bro, money's not gonna change his life. His brain's gonna change his life. I'm not in charge of giving him, oh, I am literally in charge of that, but if I could give him like too much money before the brain, then the brain never gonna get to here. And once he's on Mars, he don't need no money. That makes sense. I don't wanna hear no rebuttal. You understood what I was talking about, and you can't deny it. Are you trying to say if he doesn't learn the right behavior before he gets a lot of the money, is he's gonna throw it all away? No. He's not gonna be able to earn it. He's not going to be hungry to be goaded. I didn't say make him rich. I said make sure he can take care of himself. Uber Eats, Uber Eats, Farmland's Kitchen. How are you gonna take care of yourself if you don't know how to do anything? Like if you don't like. So the only way for Edward to know how to do anything is be around toky. No one else outside of toky. You know, by living life and going out and experiencing things. Which he can do and still make a living. Yeah, yeah, but if you're, dude, if you're underperforming at your job, that's a thing that you should- Fire him. No, because I like Edward as a friend. So I wouldn't want to fire him. Why do you suck at your job? We'll talk in the post show. No, I'll do that. You're gonna get a- Chick-fil-A Supreme Massage. The post show is gonna be lit. An expensive massage, 114. Bro, I thought they were gonna jack me off. They didn't. It's the worst. Is that place next to the f***ing purple fitness place? He didn't jerk you off, 114. No, I tip whether they jerk me off or not because they still worked hard. Okay, Brandon said he has the spot. It's off. I have 35, he'll tell you afterwards. Oobar Eats, Oobar Eats, Oobar Eats, Chipotle, at least you went there, proud of you, big moves. Oobar Eats, Oobar Eats, Pure Wash, that's fine. I don't know why you're going to a standard car wash for your expensive-ass cars. Oh my god, we took two of the Lamborghinis there. It was the f*** them all. Yes, what? We were in a rush, we had to do a photo shoot. I don't wanna tell you to spend money, but get a detailer on Concol. No, we do have a detailer, but it was, I needed it at 30 minutes. You pay chat GBT Uber eats or Zuchiko you spent 1300 to do Chico. I tip usually a hundred percent Okay, even still that's a decent amount of Uchiko Who she goes expensive, but it's not like how many people you're bringing for 750 I remember that one I was with one person and we said can I have everything on the menu except for a few things and got really Asian there for a second Oh the way in my mannerisms no everything on the menu every Hahaha All right strike that from the record every ting on the menu Okay, and then no boo right after that. Mmm for 1700. Okay. You're a sushi guy. Yeah, I appreciate that sushi I don't like my favorite too. I get it Popeyes What is this? Pirates again. I don't know what that is Uber eats gopuffing Uber eats Nordstrom Christian Dior 2005 that's this hoodie and check it out that is two thousand dollars I didn't like it at first so I decided to give it to a viewer But then I decided I loved it so I had to send the viewer two thousand dollars because I said I was gonna give him it But either way bro, you don't understand how I don't understand. I really don't two thousand hours for the back I can't get there people no no it was good and well really what happened is I didn't love it But I went to Dior and I made the guy that was working there I made him like let me try on like ten things because I was really trying to like something Hated it all but I felt bad for him Some asshole comes into your store. It's like, oh, let me try on all the shit and then they leave so I had to buy it Okay, I'll lay colonial 630 No boo Atlanta another 718 4200 Zanga corporation It's games Zanga's gaming. I don't know. Oh Yeah, we spent seven thousand on a new suit. Hi good for something Uber eats Uber eats Uber eats air BMP $15,000 come on dude. Are you hearing that air B&B 15,000 hours? I've never seen anything like that in my life. What's 15,000 hours air B&B? You're gonna like this one dude. I spent $10,000 on a haircut on that one I'm from sake. Yeah, we even highlight that Okay, how how how the This is just awesome. It's just like I the guy The guy was a drug dealer and he's got my hair. I'm talking about the game show I put on and He was like I was like I'm bailing out convicts. They're gonna compete in the game show try win a hundred thousand It's a ball dude like next time you do that. You should like invite me like I'm about to go to jail I was like for what he's like fucking weed and I was like dude How do you go to jail for weed and he's like, I don't know my lawyer says I have to and it's like you should get a new lawyer And it's okay. Can't afford to I'll give you 10,000 try and get a new lawyer If not at the very least you have $10,000. Okay. Okay. That's nice First thing you did that's like actually like that feels like genuine everything else is like bullshit Breeds that's not bullshit. That's all bullshit. It's all bullshit. Are you still mine or these look my friend? Yes, no, they're yours though. Yours ends the next page. But either way they're 15,000 air B&B dude Yeah, that was not even worth it to that's place reeks, but either way bro, you know What I like to go on nice trips with my friends cafe sushi ramen This is normal. What is money good for okay? Well, then you've never lived a normal life people can't do this No, no, what I'm saying is if you had this money, what else would you spend it on? Well, I'll make sure again, you're prepared for something, but yeah, you can spend it on bullshit Don't get me wrong But 15,000 on an air B&B is crazy when you don't have an emergency fund just at least get something basic set up And blow your money emergency fund you don't it's a show you bro in crypto do that's an emergency fund They can go to zero overnight. Yeah, but or I can 10x and then I have so much Or it can bro or if Dan or butts about it, bro Who that I'm not living to think about how much could go wrong when it all could go right and Get an emergency fund that's it Emergency funds aren't crypto. Oh big emergency we talking about your mortgage. Oh I have 800 down to a half million dollar house. No, no, no your monthly payment. Oh, I don't know You know, I didn't even tell you this I still have to pay the mortgage on my house that I lost So that's like 13,000 a month next 30 years or whatever and the mortgage that I live in Should we coin flip over your current house? No, that seems like a bad idea. So you're a pussy You've lost it. Dude. You were just making fun of me for it, dude. I think that's a bad idea. Sure You're not gonna do bad ideas anymore. No, no, no, but all right I was on this podcast and the guy was like you gotta save my money Yeah, and I was like, okay, maybe I'll save a little bit more. So I'm trying to save more now Okay, I can move my house. Also, I would never live Like bro, no, you don't Airbnb $34,000. This is from the next That's from someone else. Yes That was my dad there was enough 34,000 yeah, he asked if he could do that before and I remember now well, you'll say yes to anything Well, my parents do whatever they want. So you won't ever say no to anything. That's my parents 34,000 what did they possibly need? They were on vacation and so what happened is they were like trying to go vacation I might crib in Miami and they're like, can we stay there? So yeah, of course and then I gambled it away and they're like we still want to go on vacation It's like, okay. How about this you I actually picked out the Airbnb for them that would have picked a shitty one I said you should go here. Let me know if you want a bit of bucket and they're like, are you sure? How long did they stay there for 34,000 dollars three weeks? There's a good stay We breathe dude. They're retired. I gotta like enjoy life. So your dad the retired dad is uber eating uber eating uber eating uber eating uber eating Yo, yo For 419 dollars a yo, yo, this surely this isn't my dad's account. This must be Yeah, yeah, who's that the girlfriend the girlfriend she's uber eating it. Okay Yeah, okay Uber eating uber eating uber eating uber eating Amazon she Airbnb for $1,300 Ellen so she lived with you. Yeah Okay It's going well. It's going as well as a 23 year old relationship would go. It's like I'm not gonna Yeah, people use the emeritus 18 with that doesn't mean anything. Yeah, you're right That wasn't a good way to put it. We're not getting married. So it's like it's going well, but yeah, yeah She's not a stoked on it, but it's like dude Yeah Amazon Uber eats uber eats uber eats uber eats Amazon chick-fil-a uber eats uber eats She's uber eating two times a day while you're uber eating two times a day while your dad is uber eating two times a day Well, someone else is you're doing about a dozen uber eats a day across all accounts That cannot if we did a net uber eats a day I spent 50,000 uber eats a month It's like that is money well spent money well spent 50,000 are new breeds I don't want to get to a charity. You did one genuine thing to the barber. It was beautiful Oh, yeah, yeah, we're we have to but you know, we give a lot of money to charity So we get to enjoy our life. It was 20,000 on uber eats. Oh, that's a lot. But yeah, yeah, whatever we get That's a lot. We give away much more than 20,000 a month of fans and charity. Well, okay. Where was that? I don't see it. I see travel of 147,000 that we did we gave away three Rolexes to fans which is So physical ass jeweler then we give away $10,000 so that I don't know how that wire has been and then we had to save the charity money because we gave away 90,000 in the game show but next month we have 295,000 dollar budget to spend on either you guys will see this video because I make Not this month with that video you're gonna not even break even yeah, yeah, but dude, I'll find a way I will find a way make sense. I don't take a giveaway Okay, either way the point is we have 295,000 getting going to we would like to build a school. I swear you And might be me might be you I don't know It's not me Either way the point is that I Don't need to like super have it mapped out like if I need to sell a car to get it done We will but I don't think I like I feel like I might win gambling at some point soon or something We'll find good. I offered to Not I don't need I don't need to win 300,000 for charity. Okay good. Give me your house or I'll do 300,000 But that's a horrible. Okay. No next next topic fine 500. No, how much you need dude? I'm not going flipping the house for it's a two and a half million dollar house. Okay Uh 2.5 I don't know if you're serious about this. I Feel like you're just saying that but I know I don't know if you would actually flip me two and a half million I couldn't why not? I feel like you have a lot of money. I do okay, but two and a half would actually be devastating Okay, well then on to the next so not probably not as much as you think but chick-fil-a uber because I've been doing this that long Chick-fil-a uber eats uber eats Amazon uber eats Amazon Amazon. This is the girlfriend by the way uber eats She's not a fat fuck. No, she's actually famous for being Jacked and a model. Okay. I guess she's just getting protein bowls every second. I don't know how she was fuck She's doing with the Amazon uber eats Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Yeah, she likes it How read popo $1,200 how read popo that sounds like a restaurant Who breeds JD sports who breeds a breed to breathe to breathe to breathe to breathe to breathe to breathe to a hotel 500 bucks there no but hotel who breathe to breathe to breathe to breathe. Who's this next person? Who's that? Oh? Yeah, this is good my lord manager. This is good. Okay your money manager Is about to get reamed. Yeah 3,150 on flights plus another 544 on flights who brings that that's like booking shit for me because he takes care of all that Uber eats Uber eats is that for you? I don't think so Delta 742 also you got you you got flights You got flights on your own section. Why does he need to get additional flights? It might be for when I did the game show I flew everyone out first class that participated flights for 64 soku 576 dollars soku $5,100 money manager. I don't even know what that is Okay, I feel like you are looking through this like you give it like soku. Are you sure? $2,000 this is your money manager spending seven thousand that was that was a dinner is in LA was 14,000 total Further chef to come to the crib and make us food. We do the way I told him to that either way if you did it on its own I don't give a shit you can do whatever he wants, but you're looking at me like show cool right? Yes It's chill dude. What's the big deal? It was an awesome dinner. It was fun Do you like hate crazy new experiences would I spend $1,000 again dinner again? Yes, you will yeah, and it's like sure Why not it's chill like I am not financially devastated by that and it was a lot of fun and I like It was like a lot of I had my lawyer there and I wanted to treat him well because he's the best and whatever So it's like they get you out of jail time. No, but if I went to jail then he would be the one Matt yeah, but I don't think they go to jail for that in this day and age. Yeah, Matt. Yeah This prescription prescription Yeah, yeah, I'm fit I mean it's very hard to get the prescription Uber Eats Airlines airlines airlines airlines airlines airlines airlines Amazon Amazon Tempest 2800 on Tempest whatever that is airlines Amazon exotic finish detail $480 uber Amazon uber uber uber uchiko Can flights morning star pools have a pool cleaning. That's what that is Lowe's Invanto Conj a love sack you got some couches 1200 bucks. Damn those were not worth it Well, you ever signed a love sack, dude. Uh-uh airline bag airline Nobu, Atlanta $21,000 Bro, why are you it's chill cuz it's adding up because it's like every four days We know that it was far and only 300 racks or something bro I like to treat because listen the for example the trend twins came out to do my game show video You know the gig of viral one Island boys gig of viral trend twins awesome. They flew all the way Atlanta just to be on my game show No, no, the muscular ones okay not the island boys trend twins either way The point is they went out of their way to go help me with something of course you're staying in the Nobu I like they said they told me that a bunch of people when they go out for a club They make them share a bed because they assume they're twins you gonna share a bed and it's like bro Without this you're gonna treat him for like 5,000 no no It was for everybody stiney Bob Manor a everyone that came out stays in Nobu because bro They're doing me a favor the least I can do is put them in Nobu if I have the money I don't need to what I needed to say 5 million. Yeah Delta Delta time I have kids So I got ten years to say 5 million or I mean do you guys do you bra? me yeah with her I What you Macalp ID okay IUD guess what we just had someone on the show IUD baby popped out It can't happen, but what's the point with that? Oh, then I have a child Yeah, but then it's like what what do we say 50,000 a year? How will how about this? How would I just don't you want to air be this month? I won't do one Airbnb if I get a go pregnant and then we'll set that it'll go somewhere else, but Uber Eats summer moon Bell bonds bail bonds bail bonds bail bonds bail bonds bail bonds Because the game show it was a game show the game show we just built Bell bonds we had to bail out people from prison dangerous people petty crimes. Oh, thank you No, I mean they were pretty people like I aggravated assault armed robbery battery I'm glad they're back on the street. That's what this country needs Well, they weren't convicted yet. They were just in the one of the worst jails in the world because they were black I don't I won't stand for that. Okay. Yeah me in the black community are like this bro It's not about being black every place that just lets people on the streets with no cash bail are the most dangerous places right now Oh, really you just incentivize that. Yes Dude, you know what it's like me. I thought they were good people, you know glad you sure you he armed Robert I wish the jury could have decided and said very um I Think everyone deserves at least, you know when it why is it guilty until the innocent? It's not but they're off There's a real for risk for risk They're all the same every single day in that jail somebody was getting stabbed so bro You gotta understand that it's a bro. They're not bad people and they're not been proven to be bad people So I'm gonna give them the benefit of the doubt and if you did armed robber somebody bro I think you deserve a second chance. You just want to actually serve your time. Yeah, exactly Okay, but lots of airlines animals brother people Gotta be in the jail because we're gonna commit No, people watching that that's what I got from that that is a bad take that is a Take that's what you just said It's because you're trying to more masturbate it every single time a policy like that has been enacted in a city crime goes up Repeat offenders that are released cat immediately leave that catch and release it never works. It's been proven I had a revert that in San Francisco because people were getting hurt no idea what you're talking about right now Why do you try to moralize it like a high horse moral well? You have to have a Some consciousness to every decision and sure one I At least I was thinking before I made a decision just because you think you have this or did you want to make content? You just described them obviously what are you talking about? They're on a game show. I held them at gunpoint Exactly on the game show so don't try to moralize it. What are you talking about? I think there's still I'm bro I wanted them on the game show, but I still wanted them to like I can tell why aren't you doing that instead of 20,000 hours a month in UBRI so why don't you bail out people all around I have to give away money to like kids in Africa and shit That's where we're trying to build a school. It's actually South America. You're doing one of the school things Why is every YouTube we're trying to do a school? No one's able to do a school I know I just failed building a yeah, the school is too hard university doing that. That's an umbrella term We're doing 300,000 for the school whatever we have to sprinkle it around right? We did this for the convict then we're doing this for the kids whatever moral masturbation or not Contents I have I don't think they're bad people you said catch and release bro I don't think that's what it's called dude. No, it's not about animals It's about any time that it's been enacted you think you're right doesn't make well the statistics are right my opinion on it There's all yeah of logic that someone on the planet. It's moralizing. Okay, sure whatever That's my flow of logic it led to the moralization of these people I feel like everyone's done stuff that would land them in jail for example I've had tons of me before why didn't I go to jail? Maybe you're lucky bro, and I don't think I'm a bad person. Maybe I should I don't think I don't personally think I should go to jail No, I'm not saying that either but there is a reason why we don't arrest someone for a crime and immediately make sure they're out On the street what you want me to say okay? You're right. I shouldn't have bailed them out No, but when you moralized it saying that and that it's like bad to not catch and release people. Oh well no No, no, I'm saying it that's not I'm saying I empathize with these Specific empathize with them. I also empathize with the people that the crime was committed against especially violent crime Hmm Delta 496 plaster yeah, I mean airlines galore with this yeah, I'll just keep going do this adds up Cleaning yeah, you should probably clean that place is your guys place is nice and clean your house I don't know it's clean enough. Okay. Well you got cleaners your paint a lot for it. Okay 56,000 hours owed on Yasamart, that's the only car that has data. That's a hurricane. Yeah, okay. Do you know the interest rate? No if you Called Gerrard would he be able to tell you no cuz he didn't get that loan There's almost a zero percent chance we can find out the interest rate unless it tells me on the app It would tell you on the app. Oh here. I'm sure I could click around. Do you even know your monthly payment? 3000 maybe Hey, you business checkin checking account is 50,000 years has 4000 you have a hundred thousand hours in CDs Yes, yeah, they made me do that cuz I well, it's a shitty return on investment But it's harder for you to touch so that actually might be a good yeah, that's every three months that I can touch it the interest every month is $900 it looks like watch it. I don't know how this works. When did you get this loan? Maybe like Year ago, okay 900 of interest accrued last month. Oh, but some months are zero I don't understand how this is working. Oh because it's I pay ahead. Yeah, whatever. I don't know what the interest rate is But yeah, maybe I got it ten months ago, dude. I think it's like an 18% interest rate Potentially that's horrendous. Just pay this off. It's horrendous. It's really bad. I heard it's good for my credit To pay it off maybe why do you care about your credit though? You already have a house. What are you trying to utilize credit for? I don't know pay it off. You're using credit cards already. That's good enough for credit If it's an 18% interest rate, you're just losing money If it was for it would be a different conversation. That's what I think Here's the thing. It's like this is my thought process about it I don't have to like dude two three thousand dollars a month. What's that one dinner? So just like put that towards the car or whatever they're gonna worry about it Well, why not just pay it off? What what is the actual? Well, because I guess the answer would be I've never thought like okay, let's pay this off It's just like whatever okay, okay, so I mean cash flow. Yeah, your average quarterly in was 1885 But your average quarterly net cash flow because of expenses is about 6,800. Yeah, and listen I have a hundred sixty nine thousand hours of Pepe. What's it at now? Oh, why we invested more into it? I watch but it's down here. I'll show you the account It's a emergency fund here. It's three hundred ten three hundred ten thousand Okay, but it's down Whatever, you know, it's not important because it should go to the moon eventually Maybe this podcast will send us to the moon. Hey, go by Pepe. He told us financial advice from the Caleb hammer Okay, okay, so I think that's is that everything is there more I don't have your mortgage But I don't have my mortgage either. Oh who the fuck knows how that work And you can't tell me adulting is easy, bro. It doesn't make any It is so I don't understand how anybody gets anything done A realtor would tell you if you just talked the one like if you just did that Okay, here type in your current address. I was just thinking you say it worth market value. Oh Dude, we are getting smoked right now. How much do we pay for that? It's not a good market right now Oh, really? It's okay. You might well, how much did you pay on this? I thought it was 2.4, but maybe I was wrong Because we got appraised we paid a hundred less than appraisal. Oh, yeah, well appraisals. Yeah Oh Not only are you in that neighborhood you're far down. Oh my Just to get out of that neighborhood Horrible place to live Next time all consider that Crib Oddly enough in the end this is all simple your mortgage is probably fine. He's making your payment the car I would I would pay it off. Okay, I paid off, but if you even if you don't I'm not killing myself. I have Two things I want you to do Two things I want you to do this isn't a budget thing because you don't have a normal budget It's not a budget Because I did actually come here to learn about this No, I got I think I'm this is gonna be a big takeaway moment for me unless it's ridiculousness But I think you understand why I'm not enough so it's it will be a digestible solution Unfortunately, I'm just putting down two numbers and you're almost there Okay, I Want you Before the end of the year To save up six million dollars as close as you can and do not touch it your CDs 100,000 hours on the way to it you got 300 in Pepe. I just want this And this is what you're gonna do. You are gonna get with they're actually youtubers, but they're financial advisors They manage my money with their bound wealth They're very good very trustworthy very good people legitimately good people called the money guy not a sponsor But they're gonna do this for you, but you're gonna give them six million dollars throughout this year They will manage your investments and they will manage your emergency fund. So you can't touch it. So you can't touch it That will grow so you have something to rely on do I get to touch it? You can get to touch it if everything goes to zero you can touch it None ever go to zero well then you never need to touch it. I'm just pissing It's gaining 10% a year for the rest of your life, but it's gaining all if I can't touch it if I die With 70 billion dollars Don't get me wrong I mean touch it around like 40 or 50 or something and they can help you do a safe withdrawal rate But that's that's what I want you to do. I'm gonna literally email you my guy I'm gonna put us on an email together like legitimate, you know, whatever. He's really good. His name's Carter He's like the top dog there and the goal is to get you six million dollars by the end of the year Which you can do that is not complicated six million dollars for you It's just a little management in different places have my lord. Good. My lord have him Put that money aside make sure there's okay. Well, we have Okay, well, I'm trying to understand where it comes from. Oh, yeah, let's call it nine months left Okay, and then we're just trying to do six million dollars and nine months. It's a lot That's six hundred sixty six thousand hours a month. Okay, maybe it's a two-year process So it's a two-year process. You're gonna do I'm trying to understand. Yeah, I Feel as if personally it would be more worthwhile to Since I'm so young put the gas on a pedal and invest into my brands like my supplement brand or my clothing brand Wouldn't it be a better return to go all in on that then capping myself to 10% at such a young age? I can't say it's a better return because we don't know what the return is gonna be and that 10% is average 1012 you'll get 30% one year lose one another year. Okay. No, listen. No, no, this feels like a lot is all I'm saying like I Is it is so here's what I say. Let's come to a compromise 300,000 hours a month for the next two years and that'll get you there At least you set up for success because you might change my future Would I get there if I did 200,000 a month for two years? 200,000 hours a month for two and a half years maybe. Oh, okay, so assuming I we've talked about this I think I'm you know go into the moon. Whatever. Yeah, I think just say let's just assume For I would like to I'm confident for the next four years I will be able to make I will be able to invest into this if I did 200,000 a month for four years I would be totally giga good. Yeah, I can do that. Okay, so here's how I would try To do this. So let's say an average of a million comes in a month, right? Okay. Yes It's hot dude. I can't believe what it's like literally Minimum I would never make less than at this point in my life 800,000 800,000 hours comes in a month Love it times point seven because you're setting 30% aside for taxes. Have you paid your taxes? No, Amanda's doing them. But okay, you pay your taxes good. So you actually have $560,000 left the month Yeah, but then your business expenses. So actually no no no your cost. Okay. No no no we start with 800 I'm gonna say spend 400,000 hours a month on business Wherever you want reinvesting new YouTube videos, whatever so that's 400,000 hours a month profit times point seven because you're setting 30% aside You have an extra $280,000 Just for even two years Have fun outside of content with $80,000 a month. Yeah All right, well have fun in content for 400. Okay 400 you can spend a month. Yeah. Yeah. Okay. I see I see I have fun in content and business I mean clearly you were able to do it You're able to put a lot of money into that crypto right there. So you're able to put money in it. Yeah. Yeah. Yeah, that was yeah Okay, so here 800,000 comes in this is how we're gonna try to structure it and Gerd is gonna try to structure it like this And then you are gonna meet with my guys and they're gonna set you up for success 800,000 comes in minimum you spend 400,000 hours on business content reinvestment. Very good Then you got 280,000 hours after taxes left because that is business expenses. You don't have to count that against your taxes. Oh Okay, this is next level, bro. Yeah, barely. This is five numbers $80,000 to spend on life. That's that's pretty good. That's good 200,000 hours goes to the wealth advisors To make sure you okay, and then so say we do 800 minimum if I make more say I do a million and a half one month blow the rest oh This is a night. This is dope. I actually can get behind this. That was a well put together. Let me see that okay I'm just trying to whatever gets you there. This actually is making an incredible amount of sense when you put it like this 400,000 on content and 80 racks to so 500,000 just to like chill out But you can't spend a million on content like you did last month well, yeah, but I that's not the goal to spend that much every month, but I wanted to try something new and if it Turns out to be good Then maybe the content budget is just gonna have to go higher in the pursuit of bigger career Whatever or we find ways to make it cheaper, but the point is That's not consistent. I'll say this 400,000 hours on content if it costs 500 it needs to bring in an extra 100,000 that I did before yeah I think that's going to be the only disconnect we have here because I'm okay. Just like you chuck in a risk It's alright with this. I need you after taxes to have an extra 280 a month Anything can happen before that if we do this most of the time. It's chill like if I hit this eight months I'll be stoked. Okay, because that's still good money, bro It's a star. It's a star, bro I don't know what the kind of caviar my kids gonna be eating but ball now that is much if doing to rocks a month Yeah, it it no no it is but for your position. Unfortunately, it's not yeah. Yeah. Yeah. Okay. Okay. This is very well put together I think I'm going I am going to try and do this because that's dope. Okay. Well, you meet with my guys I'll meet with your guys, but here's an interesting for real for content, but also this is not for content My mom wants to invest my money because she thinks it's fun. No But she's bored and retired. Okay, we got to throw her we got to throw a hundred thousand make an extra fifty and give it to her But you know, that's the winning money will go to my motor to invest this guy will go to the Anything extra you make you do it ever with man, you do it. I actually feel like hella smart right now I think this is going to be the richest person ever make sure enough is put aside for the taxes Okay, dude, listen Let's get your hammer financial score then we're gonna go to the post show and let your poor employee confront you You're actually Edward it would get him up here, bro Yeah, I will and have a pair of balls too just because he pays your bills and keeps a roof over your head I don't pay I big about thousand is he allowed to speak out without consequences dude I ever would he be afraid anything that he wants and he wouldn't be afraid it because he's gonna make sure own ass Malfurker dude, it's not like it fully grown dude Just cuz he's skin glows better than yours don't mean bro That's what you want is you want the GHKCU this It just hasn't done any adult things, but I get yeah, yeah, yeah, okay spending in a budget I mean listen you didn't spend more than you made and someone to invest in it was Pepe It's not great though the money went to insane places four out of ten for that one your debt your dad's not that bad I mean for your income. It's obviously You got a mortgage it's gonna be a seven out of ten because it is a high-end straight car For your income Merchancy fund there is no emergency fund zero out of ten Retirement which you consider the Pepe it's not how I would do it before your income at your age is actually a really bad amount one out of ten Real estate it's probably mid at like a five out of ten because I don't know what rate you have you would assign to any rate And you probably are underwater currently listen Hammer financial score five or three point five out of ten It'll be higher before you know it if you actually follow this get yours at Caleb hammer calm We're gonna go into the post show as employees gonna confront them and who knows what else we're gonna talk about an extra 20 minutes Plus three premium shows posted every single day Monday through Saturday click join hammer elite see in the post show Okay, do something small in fun. We could do like ten thousand that was your limit. I'll do ten Ten thousand dollar coin flip you have my word. I'll wire you today. Yeah, same ten thousand dollar coin flip Hammer elite is the best YouTube membership on the platform and I just upgraded it Three exclusive dedicated shows every single day Monday through Friday Join with the link in the pin comment or description below. This is the best membership. You'll ever join. That's a promise