I thought you lived in Miami. That's what I was told. >> No, we lost that house. >> Foreclosure, 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 want to make sure you can take care of yourself for the rest of your life. >> I can take care of myself because I'm toy. 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, download the Dollar Wise budgeting app today and get a 3-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 to allow.com or link in the description below. >> What up? It's Togei here, Shane Stoofer. I'm 23 years old and I live in uh 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 going to be honest, this is still blind for me. I literally have never seen a single Togei video. I I I don't know what the we're talking about. I haven't looked at your documents. I don't know what the is going on, but I heard you're kind of >> It's No, no. It's um I would say like you What? Do 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 go out to the party and they're just 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? >> Uh, no. Well, yes. It depends on like I do YouTube, streaming, Snapchat. >> You stream, too? Snapchat's good money. We learned that. >> It kind of fell off. It's not great anymore, >> dude. We still get pretty chunky checks from from Snapchat. Um, okay. What do you make? Do you know how much you make? No idea how much I make, but I sent you said, "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 sent you the thing?" >> Really? >> It was um 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. >> Oh, okay. Well, how many people do you have working for you? Um, so we have uh 30 clippers 30 clippers >> that get paid very well. Uh, 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. >> Partner's assistant. Okay. >> Eight. I don't know. Eight people work. >> How much do these people cost on a monthly basis? >> Um, that Well, that's the manager's thing. I don't know about I would guess I would guess he maybe texted me. Um >> who's the who is the little twink that you sent to get >> be nice to Edward, bro? He's the man. >> Okay. Is that your manager? >> He's No, he's the assistant's assistant. So, Bro, he just started. Check it out. He just started. He was working for his mom, whatever, like cleaning floors now. Now he's got like a Rolex and he like does Yeah, I gave it to him. >> Why is an assistant assistant getting a Rolex? >> What? Why would he not? He's awesome. He's a nice kid. >> Is it in the budget? I mean, he might be a nice guy. >> Here's the thing. Um, 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. But the Rolex that >> Yes. But it's not a horrible thing. Um, but either way, the Rolex is very cheap. Like, it was like $10,000. >> Um, I forget 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 sake. Okay. pay $250,000 a month and you make 1.9 a quarter. So you're immediately you're almost at like 50% margin, but that's is before any video production cost. That's his teammates. Is that including Clippers? >> Yeah, that's including 7 >> I would say um 12,000 is to Clippers. >> 120,000 to Clippers. Well, what does that return you? Do you know? >> No, dude. Okay, this is what How >> 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 knows? How much does that light return you? >> But 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 quant. 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 you need such a big office for? Because the vibes, bro. You like the vibes. Don't tell me. No, no, no, no. You can't. The viewers seen your office >> large. You don't need it. Other than >> we need it >> vibes. No, it's I've been here two times. This is empty. >> Oh >> It's empty under renovations. >> The editors get to say >> you can't you can't lie to me and say like there's not a part of it or you get to walk in you're like that's my and it makes you perform better cuz it's like but you can't quantify how much I return. It's just like I'm the man. This my This my office. >> I'm 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 want to be here. It's culture. >> I would work here. This is a beautiful office. If I ever >> 30 people in here, it's not empty. >> If I ever uh go broke, would you give me a job? >> I don't know yet. Again, >> at the end you let me know. >> Yeah, I I'll tell you at the end. Again. Uh the only thing I know about you is you're kind of then >> what? This is like a crazy stray off the bat. kind of. >> No, that's just what I've heard. >> I don't know. >> Yeah. Yeah. Yeah. Okay. Okay. Continue. >> I I don't know. And uh and you give your assistant assistant Rolexes. Here. Here he is. He's the Zen collector. >> He's the man, Edward. >> So, if he didn't get those Zens from the car in a certain amount of time, would he lose his Rolex? >> No. He lose his job. >> But what do you make? >> $1,000 a month. >> That's not true. Is that true? >> We just gave 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 they every All my employees live for free, eat for free. >> Is he contractor? >> I don't know what that means. >> Is he W2? Is he a full-time employee? Cuz there's like federal law full-time. You You probably have to pay him $42,000 a year minimum or else you're going to be in breach of some kind of federal regulation. >> All right, Edward, you got to go then, bro, cuz I'm not paying you 42. No, the point is >> Well, I was trying to get you a raise, not fired. I'm sorry. >> Um, I don't know. That's a good point. So maybe he's under minimum wage, but so what happened was >> under minimum wage. Okay. >> Well, well, he was getting paid uh 3500 and then um we did employ 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 I the manager is like sits in on the thing and I oversee like we talked about it before and I oversee all the stuff that's going on. Um 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'd you evaluate him for a cut? Why do you deserve a cut? >> Because the the grand thing scheme of it was the work was halfass. Not enough urgency. >> An assistance assistant. What is he supposed to be assistant? >> Look at 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 on a coffee thing that gets here tomorrow. That is true. That is true. >> Oh, where? >> Okay. No, I mean fair. No, no. I mean, I would evaluate too and I would probably fire him if he was being bad, but I wouldn't pay someone an illegal wage. >> There's I didn't know it was illegal. I'm learning this now. So, >> 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 um the point is you have to >> if he performs. >> Yeah. Yeah. I appreciate um 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 >> livelihood we're talking about. Hopefully his future. >> Yeah. Yeah. But my own future is based off of like the vibes of like the overall. >> So you guys all live together in Austin? >> Yeah, it's awesome. >> I thought you lived in Miami. That's what I was told. No, we lost a house. >> Foreclosure. >> Gambling. >> How do you gamble a house? Not actually gamble a house. >> No, I literally gambled it away. >> Like legally, you did not. >> Everyone, 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. Um, and we did uh this is not a joke at all. This happened uh about a month ago. Um, there's proof. There's everything. I did a coin flip with Steve will do it and he put up $2 million that name >> and I put up the house. So if I won, I would have gotten free $2 million. >> Wait, wait, wait. Two. First of all, how would you even pay that? Cuz I I did at least There's not $2 million here. Like >> Oh, that I bought the house like a long long time ago. >> Okay. What was the house worth? Well, I have um 600 or 700 down and then it's a $ 1.9 million appraisal and then the rest is uh >> 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. How do I say hundred? >> 100. >> Yeah, but every other word you say, right? >> No, but here's the thing. It's like um 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 100, 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. But the more we talk, you'll probably cuz people make fun of me um for a lot of things and how I talk, which is interesting. I >> Okay. >> My vocabulary is below average. So, I think that's why sometimes like there's a phrase that's very common like dirk um or sch smirk like that will be like brought up in vocabulary and there's a meaning or smirk. >> What are we talking about? >> No, you just got clipped. It's awesome. Okay, but the point is it you'll always understand what I'm saying. >> No, I don't know what or smirk means. >> Okay, moving on. Moving on. >> I don't know if I said a slur. >> I'm here to learn about my finances, not be uh what's the word? Ridiculed about my language. >> Well, I'm trying to get to know you. I'm trying to cuz 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? 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 through 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 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 50,000. >> Oh >> And then like these two were like 100 something. So maybe like 170. >> The chain was 100 something. >> A wedding ring on each rock. Bro, >> why? >> Cuz then it's like I got a wedding ring on each. >> Okay, listen. We're we're we're obviously bleeping this. But what's the address of the house you lost so 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 5 days. >> Where did you live? >> Um, where were we at that time? We were in LA. >> Are you in Austin? >> Um, why? >> Uh-huh. >> Oh, here's the address. >> Okay. Yeah. Why are you in Austin? >> Um, it was the cheapest thing like for the I wanted a big house that I could work in and 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 go Austin. >> Me. 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. >> What was your purchase price for that for the one you lost? >> I remember it got appraised for 100,000 less. >> But what was the total? >> I believe 1.95. >> Sake. >> So, maybe it got appraised 1.85. Um, and then we coin flipped at 1.9. >> Okay. know, 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 happens. Maybe the audience moves on. What's your demographics? >> Well, I don't even know what >> my high school brother knows you, so they're probably kids. >> Oh, yeah. Yeah, whatever. Like, I would imagine young men. But either way, the point is that I've invested so much um into me as a person. I can always >> I will always be able to >> person. What have you invested into you as a person? >> Look at me, bro. It's like a big uh you know, receding hairline, things of that nature. But I'm always able I'm very confident. Yeah, it's horrible. >> Dude, finest ride. What's going on? >> Uh I'm scared of it. I don't want 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. Don't act like scammy though. >> I You know what's funny? Scummy. >> Before I I It's easy to like talk down on people, right? Like, oh, that guy's just a a scam or whatever. Before I got famous, I wanted to be rich so bad that I was in the college and a frat. And one of the schemes was a literal scam. And we were trying to, this was before Pump Fun. I was like actually going in and coding my own meme coins trying to rugpool people. And it cost about $1,000 in making it and liquidity and everything. Either way, I had like $20,000 in 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. So, but back then, I can admit, bro, when you're 18, you're effectively, >> you know, so now it's like I would never scam somebody cuz 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 put it this way. What's the downside to gambling? >> Your mind. >> Losing your money. >> But lose your money. No, it it it but you're paying for an experience. >> Go get a massage or something. Dude, there's >> What if I want to gamble, bro? It's like the gambling has given me the most wonderful experiences. And I've met the my best friends, the best memories in my whole life are through gambling. Not because >> one of your best friends just 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. What a >> bro. That's such a nice gesture that he won $2 million. He didn't have to give me He risked his own 2 million for that. He won a 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. And but it's still a nice like 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. >> All that without gambling. you have the money to do it. It sounds like I mean >> I I don't know um how to explain this but the viewers will understand it's fun like it's an activity that is just fun. There's no >> saying gambling is not fun but just saying what's immoral about it. There are issues. >> So do you think like uh drinking alcohol on camera would be immoral >> potentially. >> Yeah. Yeah. So, this exact same with gambling potential. >> If it was endless, binge drinking on camera and trying to get your audience to endlessly drink, especially if you have a young audience like you do with crypto. >> Is there anything when you see toy blacked out gamble for 18 hours and at the end of it? Cuz I've done everything, right? I've done the good and the bad of every drug, everything. You know, the >> done a lot of Why? Why? What the Why? >> Cuz you I don't know. 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 to understand an experience, you got to like go all the way into it. >> Have you? >> No, he he he's uh strays and arrow. But either way, >> $1,000 a month. >> You should give your employees. You don't you could you could save cost, bro. You fire 20 of them, 10 of them on. >> We have aderall. We have >> Yeah, it's the same thing, right? Listen, if 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, then you lost it? Is that moral? Feel like that's their money and that's their business. >> No, but you got to understand if you're analy what's the word? Uh analyzing everything um 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. >> Do something. 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 there's no selling your own car money >> that would ever up my friendship. I could go dead broke, but at least I have my friends. And this is the problem with all the mother that are like gigar. People say, "Oh, you should be an average of or you're an average out of the five people you hang out with. Get rid of your loser friends." I think that's I think like loyalty, memory, real love is way more valuable than money. So if I if 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 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 want to make sure you're taken care of. Listen, you're right. There is no more important things than love, friendship, all that stuff. But real friendship, real love, isn't using the other people's assets to try to benefit themselves. No. To benefit us, >> us is that I just feel like that's what you're telling yourself. >> Well, he would have gotten half the money if we won. And either way, the point is that, right, >> but he's using your assets to do it. >> Okay. But you can't tell me that. Say, say, listen, say I'm wrong 20% of the time or whatever percentage was be might be. Every decision in my life leading up to now has made me very successful. >> Hold on. What? How do you quantitate success? Cuz your net worth, as far as I see on paper, isn't anything substantial. I'll be completely honest. >> That I get to do whatever I want. I'm on you time. I get to do >> for now >> whatever I want whenever I want for now. But it is now until 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 for 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 broke. We're all just >> No one tells me what to do either. No one tells me what to do either. But I'm at least set up for success. If I get married, if I have kids, I'm taking care of them. I'm making sure the people around me, my employees are taken care of. If I have a down month, down year, I know we can sustain ourselves. >> Yeah. Okay. So your employees are happy. If you lose at all, >> my employees are happier than your employees because I just bought him a Rolex because I was in a good mood. Whatever,000 a month >> because I changed his life just being Listen, listen. You 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 as health insurance >> as people, bro. You get them health insurance." >> So now that's more dollars you're giving them. I sit down with them. I sit down with them. No. No. I if if he went to the hospital, I'd sell my car to make sure that his if his mom went to the hospital for my house, but that's the bet. You have to bet on 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 a heartbeat. Even though he only MAKES,000 A MONTH. >> YOU LOST IT, DUMB ASS. >> I HAVE ANOTHER HOUSE RIGHT THERE, DUDE. >> UNTIL YOU LOSE AND take care of them. You got to understand, >> 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 >> for now. It's >> I've been bringing in a million a month. >> 1.94 is not a million a month. >> Well, okay, now we're at a million a month, right? You can look at the I guess I didn't send you the statements, but >> you DIDN'T SEND ME I mean, I got to see we're going to go through it, but >> I can't leak contracts. M let me see your YouTube studio. We're not going to 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 no monetization. You can show it on camera. >> Why is why are you not monetized? >> Because it's not 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. Hey, he gets cancer. His health is worth my entire net worth. His net worth isn't that much. And if YOU GOT CANCER, YOUR NET WORTH WOULDN'T COVER IT. >> IF it needed, 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 cuz 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. >> Says every addict, but I can stand on that business cuz I have spent millions of dollars. I've sacrificed millions and millions, tens of millions of dollars. For example, the Evore 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. Eore, right? So, he >> is that your business? >> Yeah. Yeah. 50/50. Eore is your business. >> Yeah. Yeah. I own 50% of it own the other 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 You keep going back to the semantics trying to distract me from my point. The point is >> I'm just making fun of you. >> He is um he 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, >> 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 30 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 going to win at so it doesn't matter if it's YouTube. I could go over 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 going to get rich. You know what I mean? >> Objectively, no. How are you going to the moon? >> Factually, I could. And you you can't. >> How? Define that. >> That's not important. How? Because I could. And that's what you don't understand. 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, you suck with money. So, you download a budgeting app. You start with the classic one, WAB, but everyone just deletes it because it's way too complicated to use. So, you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. dollar.com link in the description below. >> That's kind ofing 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 time. GET THAT $350 RIGHT NOW IN YOUR CHECKING ACCOUNT. >> DUDE, BECAUSE YOU struck success once does not mean you're going to be an Olympian. >> This is not how this works, man. >> Okay, listen. Listen. It's not about how Okay, if we want to 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,000 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 a millionaire three different times? Huh? >> I don't even think you're a millionaire now. The savings I have here is $391,000 total. >> Oh yeah, dude. Plus $100,000 debt. >> Pepe holdings. >> Uh-huh. >> 300,000 in Pepe. >> Okay. Quantify what a millionaire is. You have a million assets versus liability. Your liability 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 the other house? >> No. No. >> 800,000 in equity. And >> who's we? Who pulled your statements? >> Gird. >> Okay. That's That's the guy. The guy that runs >> Yeah. >> Gird. >> Yeah. But either way, the point is um 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 2.5 million. >> Any leverage on those? I mean, I have a $100,000 car loan, I think. Right. >> 56,000 own Huracan. >> Okay. You showed up with like what was it? A Rolls-Royce the other day when you filmed Ice Coffee Hour. You own that? >> I own every car. >> Right out or is there cash? >> Huracan. What's right out? >> Loan? >> No, no loan. >> No loan on it. Okay. Well, they are cars in general are depreciating assets. In that league, it's a little different. >> We were just talking. You were just like, "Oh, is he a millionaire?" Well, I don't know. He has $700,000 to a $500,000. Now, $300,000 rolls. That's a million dollar right there. >> That's pretty close. But your liabilities, we have to take in account that. I don't know what your liabilities are cuz you couldn't send everything. >> I don't know what they are. Just a house loan. And then I own my home with 30 racks. >> Wait, you own two homes still? No. >> No, no, no. Just this home. 800,000 equity. >> And then something 30 racks. What is 30 racks? >> I just owe a friend that. It was like a gambling. >> You owe a friend. Okay. For like the generates, what is a What is a What is a rack? Oh, thousand. >> Okay. Why do you own 30? >> Oh, I don't know. I was about >> 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. Well, the the thing is um 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 it gives you a chance. You have to understand that >> if anything like okay what in your head like what is like going to 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 on that regard. >> Are you kidding me? I >> in that regard compared to people who built 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 what >> that does not happen. And a b it would never happen. Do not speak that into existence because that would never happen to me. I hope it doesn't happen. 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 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 like you and I. I care so much for people that I'll go broke for a person. >> Say I don't. >> I But no, but you you put a monetary value health insurance and you're gone. Whatever. >> Hey To cancer doesn't fit our statements. >> No. 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 cost might make cost millions. Something you can't cover by liquidating everything. Number two, >> I make a million dollar a month. I'll cover it in three months. No problem. You have to understand this. You don't understand. You don't understand that >> karma is a very real thing. I think because of 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 you got everything got to be on a spreadsheet for you. >> No, it's 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 any him anymore. But if he was making enough, he could set aside. >> He's my friend. Employee aside, he's my friend for life. >> He's your friend now. Not everyone's friends forever. It happens. >> No. Under that. You never lost a friend in your life? >> I have never lost a friend. >> Not once. >> I have about seven friends. >> Friendship fizzle out ever. >> Never. I have seven friends and I would die for every single one of them. 23. >> Well, that's why. I mean, dude, you just don't have life yet. >> No. No. You can't say you can't say something's going to happen to me because I've not lived enough. That's like having this happen to other people, but it's going to happen to you just cuz you don't understand. You You're talking to me like I don't understand my own friendship. And you're trying to again put this miracle value, this statistic on my friendship, on my love lives. That's never going to happen to me. >> To you're not listening. >> I'm listening and you're telling me because it happens to everybody else, it's going to 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 that's what I just said. >> And if it does, they're cuz you didn't take care of that. 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 a 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 cuz you stepped in the street, got hit by a truck, and they're 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 proud of you. I work I every single PE person in my circle. I don't just give them, you know, money so that they can save up and make their little hundred,000. I give them the opportunity to become something incredible in their mind. >> 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 like he was never exposed to before. this world. It's like now he's in the room with you. >> What did you learn from this Edward? >> He's going to learn something at the end of it because he's in a room with a goated financey 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 going to 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 film with three normal people regardless. Like >> to strip it of the value. >> Yeah, but he could have come here regardless. I'm saying he's here with you now. Yesterday he was hanging out with Steve Doit, one of the biggest YouTubers in the world. And the day before that he's with the Trent twins, two of the best powerliffters in the world. What is he learning? He's with year a production. He gets to be learning in these circles and then we do like whatever >> reflection of everything understanding. >> Reflection led to a pay cut. >> Yes. That's how it works, bro. If I kept blowing smoke up his ass. Oh, good job. Good job. Then he's going to keep thinking he's doing incredible. But by saying, "Okay, this is the reality. I'm not gonna fire you. Your pay cut has your pay has been cut to effectively zero. Now it's a wakeup 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 cuz we do need to get into this. But I now I think I at least understand where you're coming from a little more now cuz again, I really >> That was the getting to know segment. >> Yes. I Let's dive into the >> I don't know your perspectus. 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? >> Like 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 uh uh fluctuating. But um per video. So the 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 uh 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 that amount, but that's like my So that's my um gambling budget. >> Okay. What did you What did you pay for this uh underperforming video that you uploaded six hours ago? >> Um I thought it performed very well. Can I see? >> Yeah. >> And I'm I'm I'm just assuming not. I mean, I'm >> It's performing. Well, you can look at it. >> Yeah. What's it >> four out of 10? >> Oh, okay. It seemed like it was on the lower. So, what did that cost for 53 minutes, 18 cents of non-monetized content? >> 900,000. >> Okay. >> Actually, a million. A million probably two. >> 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. you you I feel like you are lacking in life um epic experiences and you have a lot of money. That video is going to make whatever however many people laugh, but 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 going to 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 cuz it's like, "Oh, dude, he's going to 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. It's ours. You're sitting here with this cookie cutter cutter. Everything's got a ROI >> that makes everything. I have 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 rent cuz they don't live with me cuz we're not in some kind of cult. No, none of that is relatable to me at all. Like, you're speaking it 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 >> until you lose it. So this living life experiences 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 Listen, it's about how your brain has been hardwired. You won't. It's the same with the coffee hour guys. >> I'm going to keep working. It's the same as the coffee hour guys cuz they're like, "Oh, I only have to I only can spend 4% of my money or whatever." you if they're more extreme, if you with if you're within a 20x range of them, you've been wired your whole life to I have to save excessively grow 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 growing up. >> I have lived in a closet before and 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 cuz I couldn't afford it. Whatever. >> Dude, you lived in a frat. I mean that's that's all it was. I mean that's come on. That's 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 >> living in a frat. What the are we talking about? >> Okay. Okay. Okay. >> Okay. >> Fair. 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 >> save money and not enjoy life >> with with your with your 900 million or million dollars that you you spent of the 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 >> um >> I don't think about financial goals too much because there's other things that are more important to There are. But what financial goals do you have even if they're not top priority? >> Oh, got you. Um, none. I've never really been like, I need a goal, but that's why I'm here is because it Well, mostly cuz my mom would be happy if I had a goal. So, maybe you can help me make a goal. But the point is that um 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? >> Mhm. >> Okay. How far are you guys in this relationship? >> Been dating for like 13 months. >> So, okay. M you know you taking it more serious? >> No, no, no. That they she knows out we uh are not getting married. >> You're not getting married. 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 you How much money do you do 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 >> Okay. So, let's establish a goal right now. If I maxed out four kids >> for $100,000 each for the rest of >> We'll do 50,000 each because when there's multiple kids, it's like cheaper per kid, right? >> Uhhuh. 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 the mother. Call her 50 $250,000. Okay. If you're trying to get to $250 $250,000. Yeah. I mean, I would be comfortable with about $15 million sitting in a decently balance. >> That is so There's no way you need $15 million >> for them to never run out of money. You have to do about a 3% withdrawal on a yearly basis. Absolutely. >> Oh. So, 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 >> you want it to go down to zero. Well, 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. >> Uhhuh. >> I would rather them have a 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 Do you I didn't That was somebody was saying that I don't want to have kids. >> He 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. How are you going to take care of this? >> It's a whole thing. He wants a kid, so he wants me to have kids so he feels better about his kid. >> You can't raise a kid on a thousand hours a month. Edward, how old is Edward? I'm >> 22. Either way, so the point is I I don't want kids, but surely that mentality changes as I mature. But the point is, let just tell me how much money. So it's zero. We're not talking about 3% withdrawal rate. How to get my four kids to 18. >> How many dollars? ult,000 hours a year times 18 and then and then the mother of them just has to survive off of nothing for the rest of her life. >> No, sure. Give her million. Sure. Give the mother $100,000 a year >> for the rest of her life forever. >> No, no, no. The 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 cuz that's 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 How many years to get to it? >> 18 years, dude. Divide five more million. Divide 18 years. >> Yes. Well, how much is that a year? Enough to take care of them. It's 100 for her and 50 each for per child. >> So, how I I don't I don't know what we're talking about. How much money is >> 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. 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 adult. >> It's not after Yes, that happens. >> That's not Bro, that No, no, no, no. Then the the dynamic of the family changes. >> Yeah. They'll be sad and poor. >> They'll be hardworking mother. You ever heard of David Gogggins? Holy. One of the coolest badass alive. No father life, no parents. They all He got around non-stop and 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 Gogggins 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 got to be ready for the demise. How about this? And it's never going to happen. That's why David Gogggins is so successful because it was never a question. When I go into something, there's never a plan B. There's never like, "Oh, what if this goes wrong?" It's called plan A. >> Why did he get healthy? Why Why did Gogggins get healthy? >> What? >> Why'd he get healthy? Cuz he was a fat. >> He wanted to join the the Marines. >> Wasn't out of any fear for health complications at all and having more energy. >> I don't know. Did you ask him? I have no idea how. 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 listened to it. >> Okay. Um, I'm assuming if 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 and join the Marines? >> Because to join the Marines, >> you can 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 >> And the process of making sure your kids are taken care of by the time you die is I save money. That's what I'm saying is if I do die, they will figure it out. >> Not necessarily. Many kids don't. >> Yes, bro. Cuz And listen, this is setting them up. Just life isn't supposed to be so easy. If I die, my kids are going to be stronger than I am. I'm not saying make them spoiled. >> 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 Goggas 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 going to make me a better person at the end. >> He does that. They might be homeless cuz it happens to tens of thousands a year. >> To say that nothing is bad happened to me in my life. I almost died last year. I overdosed and almost died. That's fundamentally. >> Well, that's your choice to do drugs, >> Yeah. Just cuz it was my that doesn't mean it wasn't bad. The point is that's why I don't bring it up cuz it's my own fault, right? >> An emergency. >> But listen, just because something is bad doesn't it might be a blessing. God has a plan. And just because something whatever your dad that 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 security money >> security. >> Who's to say that anybody doing much less than you isn't a you've never asked like 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 >> it doesn't make you happy. 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 parapolgic tomorrow. You don't know what's going to happen, dude. And that's all I'm saying. It happens to people every single day. >> That's what I'm saying is, okay, if I buy your happiness, >> okay, if I become a parapolgic, okay, what are you saying? I should have if I 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 water wrong, dude. It happens all the It's happened to people I know actually. It's kind of crazy. >> And so what's the point? >> Then you're not going to be able to produce the same kind of content. Your a your views are going to fall off. >> It's not about the YouTube views. >> No, it's about security. I want to make sure you can take care of yourself for the rest of your life. >> I can take care of myself because I'm toy, not because I got a YouTube channel. >> So your ego? >> Yes. >> Uh-huh. >> But I feel like you're not understanding um Well, to 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 you're not necessarily showing >> say ego is bad but if it's putting you in a position where you're going you might up your entire life if something goes bad that could be damaging. >> Life is risky. >> Okay. That's why you overdose and that's not good. >> Yeah. And that's not great. >> So your life is risky >> dude. Life is risky and I me overdosing may have potentially inspired millions of people to get off of drugs. You're not saying you're not saying no. But then I might die. So you want to say >> so what the are we saying? >> Because what you're saying is that you're sitting here walking on like this line of like oh everything is and I got to be so careful. I don't want to live like that. I just want to be able to do you know whatever and come it's more exciting to have all the risk coming at me. Unfortunately, your drug use uh incentivized and inspired Brandon to do drugs instead of quitting. So, >> is this true? You did drugs cuz of togei? >> Yes, sir. >> All right. So, that is >> 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. >> Oh, for sake. >> Listen, bro. My experiences I could Bro, >> and you're done. You haven't? >> Yeah. Yeah. I've been sober for about 4 months. In that 4 months, I had one night where I did cocaine. When did you overdose until maybe 16 months ago? >> Okay. Okay. So, you relapsed often? >> No. No. In last 4 months, I relapsed once. I got really racked about till 10:00 a.m. So, we're making good progress. >> Uh, in the last four months, yes, you've relapsed. But, and also before the most recent 4 months and the 16 months that you went to >> After I overdosed, it was not any second of like we should stop. I There was That's the life of a drug addict. Why have you stopped now? >> Um, that's a good question. Life is just too busy to be uh giga racked on all the time. But either way, >> being sober forever, I'm just like mad busy and then I just like haven't done drugs in 4 months, you know. >> You know what helps with? Not to sell you on it, but >> not really. Kind of helps you like make really bad decisions and gamble like for 20 to 80 hours straight. >> All the content. Oh, all the content that everyone was watching until a few months ago was without content. >> No, there's there's like specific videos that I can tell you. And then a lot the drugs like rotate. We say 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 racked like 100 milligrams aderall the whole thing. And you can pretty clearly tell like when Togei gets on the camera is that guy on Aderal? Add aderall was my favorite. >> What was your most 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 IT'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/apply or click that link in the description below. You'll have a great time and I'm going to roast the out of you. Starbucks is 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 GAMER SUBS AT HOME FOR JUST 40 cents a 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 Games. >> 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. Okay. >> But dude, okay. What is the big deal, bro? Why are you so judgmental, dude? It's chill, bro. No. No. But you're like, say there's like, okay, like he did for the love of game. It's like, okay. It's like, dude, yeah, I did. And it was like kind of like to a degree awesome. But the point being is that it's like, dude, okay. Whoa, whoa, whoa. You're going to have to accept the fact that some people like a slightly riskier life. >> I'm okay with a riskier life. I'm okay >> that you've been busting my balls about it. But okay, I agree. I'm just advocating for one thing. You setting aside A COUPLE MILLION. >> OKAY. OKAY. OKAY. Give me the game plan. >> Okay. The game plan. And I'm going to go through these finances right now and then we're going to go through it. I literally just want you to set aside a couple million dollars. $5 million and then just pretend like it never exists and you can blow the rest. I don't give a That's it. Can we just agree on that? >> Okay. So, I should set aside 5 million. >> Just that. >> All right. I'll live You can live a good life with that. >> How do I do that? >> What is I want to know from your perspective, how would you rate your finances? 0 to 10 as a big picture. Zero being the absolute worst, 10 being the absolute best. >> Nine. If you want your Hammer financial score, get it at cale hammer.com. Just takes a few minutes to sign up. You take the score and >> 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. Caleb.com. And if you don't want to be like toy, don't do. Also, make sure to download the dollarize 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 cuz 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. Caleb.com. Let's see Togei's money of the statements he did send. You use thing in the ad. You I you like it's cool. It's fun, right? >> What the what >> the You're like, "Oh, don't be like to the cuz it's like, you know, engaging, exciting, whatever." I think you secretly love like I I think we're going to 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 been? So, platinum card. >> It's like a common thing to loves whatever. But I I I thought we were like I was trying to create like a bridge, some common ground here that we could like shoot the about. Like how about that? Like what are we banging the same one point in our lives? But it's not it's cool. We can talk about it after. But on to 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 is Isn't he your roommate? Oh, he also has the MX. >> Everyone in the world has that. Why don't I? >> Because you're rich as Why the You need it for, bro. >> You don't need more money, bro. Don't be greedy. >> My grandma is poor and she needs the Amex. >> If you make millions a year, why? >> Here's the thing, right? Uh, 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 gig top secret, but either way, >> is it Am I leaving it in or is it like >> You can leave it in. You can leave it in. Whatever. But the point is, bro, um, that they would kill me if I like bought them a Tesla or something or whatever. So, my grandma takes the card and she likes to show her friends. They like go to their like uh little Asian meet up and she goes, "This is my grandson's card." And if she pays for the lunch once a month, she loves it. That's all she does with the the credit card. You >> are they proud of you as an Asian. >> Yeah. You know what'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 um what is the number 600 700,000 a month and he's like he tried to get all the other grandkids to drop out and work for me cuz he he's like what the are we doing getting PhDs when he makes what a doctor makes every month. >> I am confused cuz 200 or 628,000 is what came in. So this is a low month. You said a million comes in 628. This was last month. >> Last month. >> Yeah. Last month that's it. >> Um well that Yeah. I guess it varies a good bit. That seems really bizarrely low. The this was February. February. >> 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. May maybe your net is just that and then you spent more than double it. >> Yeah, I know. >> Is this paid off every single month? >> Yeah. >> Okay. I think so as well. And it's because of Moch. What's his name? >> What are we talking about? What's his name? >> Dirk. >> Gird. >> Oh, Gird because of Gird. Gird pays this off every single month. >> I don't know how it happens. I pay it somewhere, >> but via Gird. >> No, no, I actually >> Do you live with Gird? >> Yeah. Yeah, Gird's uh one of my best friends >> and he we trust him financially. >> Uh it's doesn't really matter. I could get somebody that I trust more financially, but I would rather Gird 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 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 is in his education and then it's like toi really can't be stopped, bro. In 6 years when everybody on my team we know what we're doing, it's going to be awesome. >> What if Gert is siphoning money and you don't know about it to himself? >> You 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 through the finances you now >> the coffee hour CPA financial planner she has access to everything. So, she would there would be red flags, but either way, the point is um that I don't know like 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, um 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. I'm not >> Okay. Okay. Fair. Fair. I I trust them enough and um they would never do that. >> I mean, there are parents that love their kids that have siphoned money from their child actors kids. I mean, this has happened. >> Yeah. But you keep like um using the world to analyze my relationship because which is fair uh 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. >> I only Okay, sure. >> How many people do you trust have 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. >> Okay. I don't there's I'm surprised there's even one. I'm not like in the uh running for new friends. Like it I don't really accept it um with open arms. So, I'm very paranoid. >> You're not inviting me over. I don't get to see the Austin house. >> We can do a party after this with the on that. It's awesome. But the point is I wouldn't give you access not cuz I dislike you. because uh I don't you know like >> after after the fame or whatever I'm a lot more paranoid about it but these are people that um you I've known forever. >> Okay. Okay. Okay. Listen, $200,000 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. >> It was actually more. It was 300,000. >> That was before payover times. 300 something >> which I don't think you'll be shocked as a record on the show. I think you spent more than Amran did. She was the other highest earner. >> Who's that? >> How much did your cost, >> bro? Oh my god. I one time gave one $50,000 cuz I was soed up. >> When was the last got in Austin? >> Oh, I never got one in Austin. >> Okay. >> Just like Vegas usually. >> 50,000. Have you with with your girlfriend? >> No. it uh decided that's gross because there's like a uh >> Sorry, 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 drug addicted to the first uh 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 uh have uh straightened out. >> Do you believe this? >> He's with me 247. >> You're getting paid. >> He's not getting paid. $1,000 a month. >> Okay. Okay. First of all, all throughout here, >> all throughout here, you own all these cars, but there are Uber trips every second of your life, and it's always like the top end Ubers. And also, how often do you go to Uchico? >> Uch, bro, is awesome. >> It is. No, I go there twice a week. >> I Yeah. Yeah. I don't know. How much do I go to? Whenever, bro. >> Often. I'm just surprised we haven't seen each other at Uchico. Like, I'm literally always at >> I go late, though. 9:00 p.m. >> 9 sometimes. Yeah. Okay. >> All right. We'll go to Ichigo. >> That's me. My girlfriend's favorite spot. And you take flights all the time. I'm assuming that's for videos. Please tell me if that's for videos or we just flying to around or we just having fun. >> Videos. >> Okay. So, where did we have to travel for this four out of 10 video? >> Um, we went to uh Atlanta. Where the were we at? I don't even know. Where was the Where did we go for this? >> Atlanta. LA. >> Yeah. I don't know. >> Why does it cost so much? So, this is $2,800 for flights. $2,800 for flights. >> Uh, everybody on my team flies first class. >> What the Why are we doing this? And how many people come? >> I don't know. I got one to five. >> How many 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. Like one to five probably. >> Okay. Lowe's popped up all the time. >> Lowe's. >> Yeah. >> Oh, I don't know. That wasn't >> We're going to Lowe's all the time. Okay. Who's Okay, 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? Um, okay. So, this We blocked out names, didn't we? This first person. Who's the first person? >> I can tell you if it's Lowe's. Um, >> well, who's donating on kick every second of their life? Bro, I'm logged in on >> with your doing a thing. I was logged in on Steve will do his computer. He gifted himself like 500 subs. >> Listen, Edward, I'm going to get you a core career certification and a fizz card so you can start your life. >> I don't know what any >> It's okay. You wouldn't know what they are. But >> but it's like, dude, >> it's if you fail him or die. >> Oh, yeah. Yeah. Yeah. But Edward's never going to fail himself. >> Sorry. mine cart. >> Why are you acting like I'm his dad, bro? He's like a totally capable mother is going to be a millionaire one way or another if >> looks like a little boy. I don't know. He's accepting $1,000. >> He look Why are we judging off of looks and you're overweight? I'm not sitting here talking about it. Like, bro, >> you can. But that's what I'm saying. I would never It's obese, not overweight. >> I don't know the difference. 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 the germ alert. Either way, is that 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? Who? 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. Kickstreaming. In-N-Out, $82 of In-N-Out. Airbnb $800. Uber trip. There's Uber trips everywhere. Everywhere. Airbnb. Airbnb 2,200. So, do you guys Airbnb every time you go somewhere? >> So, you get a full rate. >> I would be surprised if on this statement there's like 20,000 to Airbnb. >> No, I there's probably going to 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. What's funny is we actually have a private chef. >> Well, we're Uber eating every meal. Why? >> Because we we we fired him like 3 days ago, but this whole month >> Why is he fired? Uh, I probably just wasn't I wasn't using him enough. I was like traveling. I I'd leave for like months, you know. >> And did you take care of him when you're firing? >> I gave him uh $10,000 severance. >> What was his monthly pay? >> Six and a half. >> That's not great. It's not very >> Well, when he uh >> talking about caring people, when I fire people even that I hate, I give them better severance. >> Well, when he joined, we said, "Uh, this is not a real job." He was like uh unemployed and was like, "I really need work." I was like, "Sure, you can be my chef." Um, and it was like this is not going to last more than 6 months. >> Okay. Dash Pass. Uber Eats $20. Uber Eats $230. Uber Eats $91. Uber Eats $82. Uber Eats $659. Hotel $150. Oddly cheap. I don't know if it was like a down payment. Um, >> yeah. Surely that was uh >> 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 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. >> 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. And so wherever you I mean you always stay nice, right? >> Yeah. >> You ever not stay? I mean you're 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 word. >> Okay. Uh Uber Eats $63. News leak to MIA. >> Oh, that's uh Miami airport. >> Oh, okay. 34. Let's tell >> about water. That was uh 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 cuz you're talking about ice coffee hour. What those guys what Graham would do is like, you know, don't spend 5% of your income. No that spend 70% of your income. I don't give a but save the other 30%. >> Investment account right now. >> We'll get to your investment account. >> Okay. gets here in >> I've been saving up, bro. >> Yeah, until you lose it in a gamble. >> Yeah. >> Do you own your house in Austin? >> No, I down on it. There's only one house. I Okay, I don't know where this is confusing. There's one house. >> 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 thought you said own 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. Belief that. But that's where like all the charges are. >> Oh, really? >> Uber Eats $34. Also, how the you live there? That's the first place I lived when I moved to Austin. I wanted to kill myself. >> It's 40 minutes to anywhere. >> I didn't We didn't had never been to Austin when we bought the house. >> You can live anywhere. That's the most miserable place to live. >> I think it's like a fun little paradise, but it it is agonizing how far it is. But um >> 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 pin comment or description below. This is the best membership you'll ever join. That's a promise. It's a winwin. 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 Chime. This is a checking account that I personally use, and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weeble 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 signup 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. Ungrateful if it's like a 90minute 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 security? >> Security guards. >> Yeah. >> Did my guy frisk you? Did he touch you and all that stuff? >> No. >> Give you the little touches. He didn't. >> What am I going to do in here? Come like rob you? >> 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. >> It's a super super That's like a sketchy sketchy group. >> $200 to that hotel, $3,000 to that hotel. Uber Eatats 101. Uber Eats $33. Uber Eats $41. Uber Eats $36. What are you Uber eating? Cuz this is multiple times a day. What are you Uber eating? >> Oh, like if you need like say toenail clippers, Uber Eats. You have enough for this 41 bucks. >> And then we like uh say we're traveling and like we need a monitor. Uber eats it. >> Bro, I don't know. But you you have to understand I have no idea. >> This hotel you were obsessive. We spent another 1,500 there. >> We can air 5000. Basically hotel bair almost 5,000 bucks. >> What? That was five racks >> almost. Oh, what? At least look into things before you do it. >> But it is a kind of baller feeling. If we show up, swipe, don't even look at it. That was a scam. Five racks for Hotel Bair. >> Okay. And you freaked out about the water bottle you purchased. Yeah. 5 Airbnb. Uber Eats $93. Uber Eats $41. Uber Eatats $41. Again, Uber Eats $78. Uber Eatats $92. Hotel Bair $70. Uber Eatats 36. Uber Eatats 99. Uber Eats 18. Uber Eats 106. Uber Eats 109. Airbnb 682, Uber Eats 76, Uber Eats 58, Uber Eats 10 or two, Uber Eats 35, Door Dashing, Best Buy $1,15. >> That's 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 and we didn't know what we were doing, bro. You know how it's so easy to It's so uh easy to not easy. It's so hard to buy a house. Like I can't just be like, "Oh, okay. Let me go buy a new house. We're locked in." >> Kind of. If you actually followed any of the that we talk about, if you set money aside, yeah, you would have bought a house, a nice house. That's like with a view downtown in cash. >> Okay. It's not about having the money. It's about Well, that's part of it, but it's about like doing it. Adulting is not easy, bro. >> It's relatively easy. What's What's hard specifically about >> I don't know what is easy about it? What what parts do you find to be where like >> most people are in a cycle? You go to you you go to work, you make your money, you come home, make your food, go to bed, >> bro. But then it's like now I got to, you know, sign like figure out how to get a mortgage and also figure out, you know what I real bought in Miami, didn't know you had to pay utilities. I thought it was just like on and So we didn't go there for a couple months. Mold everywhere in the house in my brand new crib. It would cost 30,000 to get the mold out. The pool had to be redone. >> Why don't you have people Why don't you talk to your parents about anything? >> Well, my parents would have told me, but they uh 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 I don't care about how smart they are, you know? Cuz who am I to say? I'm not that smart. >> Uh-huh. Paradise. Is that what this is? Paradise. Am I saying that right? Paradise. Is it? >> I don't know. 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. Geog Guesser. You're paying for Geogesser, I guess. Are you doing it on stream? I don't know. >> No, I've not played that game in like four years. >> Oh my Uber. >> 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 to change that kid's life. He's poor. Gifted subs, >> bro. Money is not going to change his life. His brain's going to change his life. I'm not in charge of giving him Well, I am literally in charge of that. But if I gave him like too much money before the brain, then the brain never going to get to here. And once he's on Mars, he don't need no money. That makes sense. I don't want to 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 going to throw it all away? No, >> he's not going to be able. is not going to be hungry to be goatated. >> 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 going to 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 to no one else. >> 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 not be making. No, because I like Edward Edward as a friend, so I wouldn't want to fire him. >> Why do you suck at your We'll talk in the post show. >> Oh, dude, Edward, you're good. >> Chick-fil-A Supreme Massage. >> The photo show is going to be lit. >> An expensive massage 114. >> Bro, I thought they were going to jack me off. They didn't. It's the worst. Is that place next to the uh Purple Fitness Place? >> They didn't jerk you off. Or 114. >> No, I tip whether they jerk me off or not because they still worked hard. >> Uh, okay. Brandon said he has a spot. It's off I35. He'll tell you afterwards. >> >> Uber Eats. Uber Eats. Uber Eats. Chipotle. At least you went there. Proud of you. Big moves. Uber Eats. Uber 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 They them up. >> Yes. What? >> We were in a rush. We had to do a photo shoot. >> I don't want to tell you to spend money, but get a detailer on on call. >> No, we do have a detailer, but it was uh I needed it 30 minutes and >> Okay. You pay you paid Chad GBT Uber Eatats or Zuchico. You spent 1,300 at Uchico. >> I tip usually 100%. >> Okay. Even still, that's a decent amount of Uchico. >> Ucho is expensive, but it's not like, how many people are you bringing for 750? >> I remember that one. I I was with one person and we said, "Can I have everything on the menu except for a few things?" And >> you just got really a there for a second. >> Oh, do I in my mannerisms? >> No, everything on the menu. >> Everything. All right. All right. Strike that from the record. Every ding on the menu. >> Okay. And then Nou right after that. >> For 1,700. Okay. You're a sushi guy. >> Appreciate that. Sushi. It's like my favorite, too. I get it. >> Uh Popeye's. What is this? Patties again. I don't know what that is. Uber Eats. Go Puffing. Uber Eats. Nordstrom. Christian Dior. 2,000 bucks. >> That's this hoodie. And check it out. That is $2,000. I didn't like it at first, so I decided to give it to a viewer. But then I decid I loved it. So I had to send the viewer $2,000 cuz I said I was going to give him it. But either way, bro, you don't understand how >> I don't understand. I really don't. 2,000 hours for I can't get there. >> The people No, no, it was good. And well, really what happened is I didn't love it, but I went to Dior and uh I made the guy that was working there. I made him like let me try on like 10 things cuz I was really trying to like something. Hated it all, but I felt bad for him. Some comes into your store, he's like, "Oh, let me try on all this shit." And then they leave. So I had to buy it. >> Okay. Allay Colonial 630. Nou Atlanta another 718 1400 ZA Corporation. It's games. Zenga's gaming. >> I don't know. >> OH. >> OH. OH YEAH. WE SPENT 7,000 on a new suit. >> Oh, you're good for something. Uber Eatats. Uber Eatats. Uber Eatats. Airbnb $15,000. Come on, dude. Dude, are you hearing that? Airbnb 15,000 hours. I've never seen anything like that in my life. What the is 15,000 hours Airbnb? >> You're gonna like this one, dude. I spent $10,000 on a haircut on that one. >> Oh, for sake. Yeah, we didn't even highlight that. Okay. How how the how the Dude, >> this is just awesome, bro. It's just like I the guy the guy was a drug dealer and he's cut my hair and I'm talking about the game show I'm putting on and um he was like I was like I'm bailing out convicts they're going to compete in the game show try to win 100 thousand. He's like oh 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? And he's like weed. And I was like dude uh how do you go to jail for weed? And he's like I don't know. My lawyer says I have to. And I was like you should get a new lawyer. And I can't afford one. I was like, "All right, 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. It's like the first thing you did that's like >> that feels like genuine. Everything else is like >> Uber Eats. That's all dude. >> That's all It's all And you're Airbnb. >> Mine or these like my friends? >> Yes. No, they're yours. >> Yours ends the next page. >> Okay. But either way, >> 15,000 Airbnb, dude. Come on. >> That was not even worth it, too. That place rireed. But either way, bro, you know what? Uh, I like to go on nice trips with my friends. >> Cafe, sushi, ramen, cafe. >> This seems like pretty normal, bro. What else 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? >> Uh, well, I would make sure again you're prepared for something. But yeah, you can spend it on don't get me wrong, but 15,000 on an Airbnb is crazy when you don't have an emergency fund. Just at least get something basic set up and then blow your money. >> I don't have an emergency fund. >> You don't. It's I'll show it to you, bro. It's in crypto, dude. That's an emergency fund. They can go to zero overnight. >> Yeah, but or it could 10x and then I have so much emergency. >> 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 it broke. >> No, it's not about that. It's just about get an emergency fund. That's it. >> I have one. That's what I'm establishing an emergency fund, >> bro. Okay. >> Emergency funds aren't crypto. >> How big emergency are we talking about? >> What's your mortgage? Well, I have 800 down $2 and half million dollar house. >> 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, 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 >> You lost it, >> dude. You were just making fun of me for it, dude. I think that's a bad idea. >> Sure. You're not going to do bad ideas anymore. >> No, no, no. But right, I was on this podcast and a guy was like, "You got to save more money." And I was like, "Okay, maybe I'll save a little bit more." So, I'm trying to save more now and I give away my house. >> And also, I would never live. So, >> I like, bro. >> No, you don't. Airbnb $34,000. This is from the next guy. That's from someone else. Who is this? >> Uh, I'm going to blink this. >> Oh, that was my dad. It was in uh >> your dad. 34,000. >> Yeah. He asked if he could do that beforehand. 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. >> Not to 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 at my crib in Miami and they were like, "Can we stay there?" I said, "Yeah, of course." And then I gambled it away and they're like, "We still want to go on vacation." I was like, "Okay, how about this? You I actually picked out the Airbnb for them. They would have picked a shitty one." I said, "You should go here. Let me know if you wanted me to book And they're like, "Are you sure?" >> How long did they stay there for $34,000? >> 3 weeks. It was a good stay. >> Uber, >> dude. They're retired. They got to like enjoy life. >> So your dad, the retired dad is Uber eating. Uber eating. Uber eating. Uber eating. Uber eating. >> Yo-yo for $419. A yo-yo. >> Oh, this surely this isn't my dad's account. This must be >> um I'll believe it. This is a >> Yeah. Yeah. >> Who's that? >> The girlfriend. >> The girlfriend. She's Uber eating. Okay. Yeah. >> Okay. Uber eating. Uber Eating. Uber Eating. Uber Eating. Amazon. She Airbnb for $1,300. Airlines. Does she live 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 getting married. People used to get married at 18. What the is that? That doesn't mean anything. >> Yeah, you're right. That wasn't a good way to put it. But we're not getting married. So, it's like uh it's going well, but she's okay with that. >> Yeah. Yeah. She's not as stoked on it, but it's like, dude, >> you know, >> Amazon, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Amazon, Chick-fil-A, Uber Eats, Uber Eat, 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 while someone else is Uber eating two times a day. You're doing about a dozen Uber Eats a day across all accounts, >> dude. That cannot If we did a net Uber Eats, they say I spent 50,000 on Uber Eats a month. It's like that is money well spent. >> Money well spent. 50,000 on Uber Eats. You don't want to give to a charity. You did one genuine thing to the barber. It was beautiful. >> Oh yeah. Yeah. We're uh 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. >> Oh that's a lot. But yeah. Yeah. Whatever. We >> That's a lot. We give away much more than 20,000 a month to fans and charity. >> Well, okay. Where was that? I don't see it. I see travel of 147. month we uh did we gave away three Rolexes to fans which is >> so physical jeweler then we gave away $10,000 so that I don't know how that wire has been and then we had to save the charity money cuz we gave away $90,000 in the game show but next month we have uh $295,000 budget to spend on either you guys will see this video >> because I make >> but not this month with that video you're going to not even break Even >> Yeah. Yeah. But dude, I'll find a way. I I will find a way. >> Doesn't make sense. I don't get >> to give away. Okay. Either way, the point is we have 295,000 getting uh going to uh we would like to build a school or you >> might be me. It might be you. I don't know. >> Huh? >> That's not me. >> Literally just started. >> Making sure. >> Either way, the point is that um 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 you. I offered >> to uh not I don't need I only need to win 300,000 for charity. >> Okay, good. Give me your house or I'll do 300,000. >> What? That's a horrible Okay. No. Next next topic. >> Fine. 500. >> No. >> How much you need? >> Dude, I'm not coin flipping a house for It's a $2.5 million 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 don't I don't know if you would actually flip me two and a half million. >> No, I couldn't. >> Why not? I feel like you have a lot of money. >> Yeah, I do. Okay. Uh, but two and a half would actually be devastating. >> Okay. Well, then on to the next. >> So, now probably not as much as you think, but Chick-fil-A, Uber, because I haven't been doing this that long. Chick-fil-A, Uber Eats, Uber Eats, Amazon, Uber Eatats, Amazon, Amazon. This is the girlfriend, by the way. Uber Eats. And she's not a fat >> No, she's actually famous for being uh jacked and a model. Okay, I guess she's just getting protein bowls every second of her life. >> I don't know how what the she's doing with the >> Amazon. Uber Eats. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. >> Yeah, she likes >> uh Tao Reed Popo. $1,200. Ted Popo. >> That sounds like a restaurant. >> Uber Eats. JD Sports. Uber Eats. Uber Eats. U Eats. Nou hotel. 500 bucks there. Nou hotel. Uber. Who breeds? Who breathes? Who breathes? Who's this next person? Who's that? >> Oh, yeah. This is Ger Malard. Uh, manager. >> This is Gird. Okay. Your money manager. >> Is about to get reamemed. >> Yeah. 3,150 on flights plus another 544 on flights. Uber Eats. That That's like booking for me cuz he takes care of all that. >> Uber Eats. Uber Eats. Is that for you? I don't think so. Delta 742. Also, you got your you you got flights. You got flights on your own section. Why does he need to get additional flights? Flights >> for uh when I did the game show, I flew everyone out first class that participated. >> Flights $464. SOKU $576. SOKU $5,100. Money manager. >> I don't even know what that is, but okay. I feel like you are looking through this like you give it like Shoku. Are you sure? >> Shoku $2,000. This is your money manager spending $7,000. >> Yeah, that was well that was a dinner we did in LA. There's 14,000 total for the chef to come to the crib and make his food. But either way, I told him to do that. Either way, if he did it on his own, I don't give a He can do whatever he wants. Um, but you're looking at me like, shu, right? 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 $14,000 again dinner again? Like, >> 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 uh it was like a lot of I had my lawyer there and I wanted to treat him well cuz he's the best and whatever. So >> he has to get you out of jail all the time. >> No, but if I went to jail then he would be the one. >> Yeah, but I don't think they go to jail for that in this day and age. I >> mean, yeah. M. Yeah. >> This prescription >> prescription. They have that. >> Yeah. Yeah. It's It's very hard to get the prescription. >> Uber Eats. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. Amazon. Amazon. Tempest. 2,800 on Tempest. Whatever that is. Airlines. Amazon. Exotic finish detail. $480. Uber. Amazon. Uber. Uber. Uber. Ucho >> again. Flights. Morning Star. Pools. You have a pool. Pool cleaning. >> Maybe that's what that is. Lowe's. Invant love sack. You got some couches. 1,200 bucks. Damn, those were not worth it. >> Well, airlines uh bean bag airline. >> Nou Atlanta $21,000. >> Bro, why are you It's chill. >> Because it's adding up. Because it's like every four days, >> but we know that it was final like 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 Giga viral one. Highland boys. >> Gigafiral trend twins. Awesome. They flew all the way Atlanta just to be on my game show. >> The ones that >> No, no. The the muscular ones. >> Okay. >> Not the island boys. Trench twins. Either way, the point is they went out of their way to go help me with something. Of course you're staying in Nou. They said they they told me that a bunch of people when they go up for a club, they make them share a bed cuz they assume they're twins. You're going to share a bed. And it's like, bro, grown ass. >> Treat them without this. You treat them for like 5,000. >> No, no, no. It was uh for everybody. Steiny, Bob Manory, everyone that came out stays in Nou because bro, they're doing me a favor. The least I can do is put them in Nou if I have the money. I don't need to What? I needed to save 5 million. >> Yeah. Delta. >> By the time I have kids, so I got 10 years to save 5 million. >> Or I mean, do you guys do you raw? >> Me? >> Yeah. With her? >> Is uh whatchamacall IUD? >> Okay. IUD. Guess what? We just had someone on the show. IUD baby popped out. It can happen. >> But what's the point with that? Oh, then I have a child. >> No, not in 10 years. >> Yeah, but then it's like what? What did we say? 50,000 a year. How about how about this? How about I just don't do one Airbnb this month? >> I won't do one Airbnb if I get to go pregnant and then we'll set that aside. >> It'll go somewhere else. But Uber Eat, Summer Moon, >> bail bonds, bail bonds, bail bonds, bail bonds, bail bonds. What the >> cuz uh the game show it was >> the game show. >> The game show we just filmed. >> Bail bonds. We had to bail out people from prison. >> Dangerous people. >> Petty crimes. >> Oh, thank I mean they were pretty people like a aggravated assault, armed robbery, battery. >> Well, I'm glad they were back on the street. That's what this country needs. >> Well, bro, 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. >> Me and 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 incentivized that. Yes. >> Dude, you know what? It's like may I thought they were good people, you know? >> Glad you thought. Sure. He armed Rob. >> I wish the jury could have decided instead. >> It's not very um >> I think everyone deserves uh at least you know when why is it guilty until the innocent? >> It's not. But they're off the street >> for risk. They're off the street for risk. every single day in that jail, somebody who's getting stabbed. So, bro, you got to understand that it's, bro, they're not bad people and they're not been proven to be bad people. So, I'm going to give them the benefit of the doubt. And if you did armed robber somebody, bro, I think you deserve a second chance. You just weren't >> eventually serve your time. >> Yeah. Yeah. Exactly. >> Okay. >> But but animals, bro. They're people that arrested. THEY GOT to be in the jail because they're going to commit more crimes for it. That's what they 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. PUT IN YOUR OWN MOUTH. >> It's because you're trying to moral masturbate it. Every single time a policy like that has been enacted in a city, crime goes up. Repeat offenders that are released. C immediately released. It's catch and release. It never works. It's been proven. >> They had to revert that in San Francisco cuz people were getting hurt. >> I have no idea what you're talking about right now. >> Why do you try to moralize it like a high horse moral cut? >> Well, you have to have uh some consciousness to every decision and make fun. I 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 to put them on THE GAME SHOW. >> SO, DON'T try to moralize it. >> What are you talking about? I think they're still I'm Bro, I wanted them on the game show, but I still wanted them to like I can still >> Why aren't you doing that? Instead of 20,000 hours a month in Uberies, why aren't you bailing out people all around? >> I have to give away money to like kids in Africa and That's where to we're trying to build a school. It's actually South America. >> You're doing THE SCHOOL THINGS. WHY IS EVERY YOUTUBER trying to do a school? No one's able to do a school. Didn't Kai just failed building a >> The school is too hard. We're actually 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 convicts, then we're doing this for the kids. Whatever. Moral masturbation or not content. >> I have I don't think they're bad people. You said catch and release. Bro, I don't think they're animals, dude. >> No, it's not about animals. It's about anytime that has been inaccurate. Because you think you're right doesn't make >> the statistics are right. >> My opinion on it. >> There's a flow 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? Because I got 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 do you want me to say? Okay, you're right. I shouldn't have bailed them out. >> No, but when you moralized that saying that that it's like bad to not catch and release people. >> Oh, well, no, no, no. I'm saying that's not I'm saying I empathize with these specific people. >> You empathize with them. I also empathize with the people that the crime was committed against, especially violent crime. >> H Delta 496 plaster. Yeah. I mean, airlines galore with this. Yeah, they'll just keep going through 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. You're paying a lot for it. Okay. 56,000 hours owed on your Aston Martin. That's the only car that has debt on. >> That's a Huracan. Yeah. >> Okay. Do you know the interest rate? >> No. >> If you called Gird, would he be able to tell you? >> No, cuz he didn't get that loan. There's almost a 0% chance we can find out the interday level. 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? >> Uh 3,000 maybe. >> Yeah. Your business check checking account has 50,000. Yours has 4,000. You have $100,000 in CDs, guess. >> Yeah, they made me do that cuz I uh >> Well, it's a shitty return on investment, but it's harder for you to touch. So, that actually might be a good thing. >> Yeah, it's every 3 months that I can touch it. Um, the interest every month is $900, it looks like. Well, actually, I don't know how this works. >> When did you get this loan? >> Maybe like year ago. >> Okay. 900 of interest acrewed last month. >> Oh, but some months are zero. I don't I don't understand how this is working. Oh, because it's I pay uh ahead. Whatever. I don't know what the interest rate is. Um, but yeah, maybe I got it 10 months ago. >> Dude, I think it's like an 18% interest rate potentially. That's horrendous. Just pay this off. That's horrendous. >> It's really bad. Just pay it off. >> 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 four, it would be a different conversation. That's what I think it is. >> Here's the thing. It's like, uh, this is my thought process about it. I don't have to like, dude, $2 $3,000 a month. What's that? One dinner. So, I just like put that towards the car, whatever. Don't got to worry about it. Well, why why not just pay it off? What what is the actual R? >> Well, because I guess the answer would be I've never thought like, okay, let's pay this off. It's just like whatever that >> Okay. So, I mean cash flow. Yeah. Your average quarterly in was $1,85, but your average quarterly net cash flow because of expenses is about 6,800. >> Yeah. >> And listen, I have $169,000 of Pepe. What's it at now? >> Oh, well, we invested more into it, right? >> But it's down here. I'll show you the account. >> It's emergency fund >> here. It's 310 310,000. >> Okay. >> But it's down. Um, whatever. You know, it's not important because it should go to the moon eventually. Maybe this podcast will send us to the moon. >> Pepe. >> Go buy Pepe. He told financial advice from D Caleb Hammer. >> Okay. Okay. So, I think that's Is that everything? Is there more? I don't have your mortgage. >> I don't have my mortgage either. Who the knows how that work? And you can't tell me adulting is easy, bro. It doesn't make any sense. is so I don't understand how anybody gets anything done >> cuz a realtor would tell you if you just talked to one like if you just did that. Okay, here type in your current address. >> How much this thing say worth? Market value. Oh, dude. We are getting smoked right now. How much did we pay for that? >> This is 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, guys. We got appraised. We paid 100 less than appraisal. >> Oh, yeah. Well, appraisals Yeah. I don't know. Oh, not only are you in that neighborhood, you're far down. Oh my takes a just to get out of that neighborhood, dude. I'm a beautiful horrible place to live, >> dude. Bro, I feel like living in a >> I never once been like, "Holy, this is a mistake, bro." But okay. Okay, next time I'll consider that a crib. Oddly enough, in the end, this is all simple. Your mortgage is probably fine. He's making your payment. The car I I would I I would pay it off. Okay? I'd pay it off. But even 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 cuz you don't have a normal budget. It's not making a budget. Yeah. I Okay, fine. >> Cuz I did actually come here to learn about this. I think I'm this is going to be a big takeaway moment for me. Unless it's ridiculousness, but I think you understand where I'm at enough so it's uh 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 $6 million as close as you can and do not touch it. Your CD is $100,000 on the way to it. You got 300 in Pepe. I just want this and this is what you're going to do. You are gonna get with they're actually YouTubers, but they're financial adviserss. They manage my money with their Abound wealth. They're very good, very trustworthy, very good people, legitimately good people. Call the money guy, not a sponsor, but they're going to do this for you. But you're going to give them $6 million 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. >> When 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. >> Then I'm just pissing. Okay, I agree. I pissing it away. 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, then the just happened there. No, no, no. 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 going to literally email you my guy. I'm going to 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 $6 million by the end of the year, which you can do. That is not complicated. $6 million for you. It's just a little management in different places. Have gird gird meal have him >> put that money aside. Make sure there's Okay, we have >> Okay. Well, I'm trying to understand where it comes from. >> Oh, yeah. Let's call it nine months left. Okay. And we're just trying to do $6 million in 9 months. It's a lot. That's $666,000 a month. Okay. Maybe it's a two-year process. It's a two-year process. So, you're going to do >> I'm trying to understand. Um, >> 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 uh a better return to go all in on that than uh capping myself to 10% at such a young age? >> I can't say it's a better return cuz we don't know what the return is going to be. And that 10% is average. It's 10 to 12. You'll get 30% in one year, lose one another year. Okay, listen. No, no, >> this feels like a lot is all I'm saying. Like I >> It 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're set up for success cuz you might change your mind. >> Would I get there if I did 200,000 a month for 2 years? >> $200,000 a month for two and a half years, maybe. >> Oh, okay. So, assuming I I I we've talked about this. I think I'm, you know, going to the moon. Whatever. I think just say let's just assume um for I would like to I 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 4 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. >> I do I gamble way too much. It's like literally uh minimum I would never make less than at this point in my life $800,000. >> $800,000 comes in a month. Love it. Times.7 cuz 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 a month. >> Yeah, but then your business expenses. So, actually, no, no, no. Your cost. Okay. No, no, no. We start with 800. I'm going to say spend $400,000 a month on business wherever you want reinvesting new YouTube videos, whatever. So that's $400,000 a month profit times.7 cuz 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 in business. >> I mean, clearly you were able to do it. You were 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 uh Yeah. >> Okay. So, here 800,000 comes in. This is how we're going to try to structure it. and GIRD is going to try to structure it like this and then you are going to meet with my guys and they're going to set you up for success. 800,000 comes in minimum. You spend $400,000 on business content reinvestment. Very good. Then you got $280,000 after taxes left cuz that is business expenses. You don't have to count that against your taxes. >> Oh, okay. >> This is next level, bro. >> Barely. This is five numbers. Uh $80,000 is spent on life. >> That's That's pretty good. >> That's good. $200,000 goes to the wealth advisors to make sure you're >> Okay. And then so say we do 800 minimum. If I make more, say I do a million and a half a month. >> BLOW THE REST. >> OH, THIS IS A I 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. Uh 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 um I wanted to try something new and if it turns out to be good, then maybe the content budget is just going to 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 than it did before. >> So, equate it to that. >> I understand. I think that's um going to be the only disconnect we have here because I'm okay just like you chucking. >> But not with this. I need you after taxes to have an extra 280 a month. Anything can happen before then. >> But 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. And bro, I don't know what the kind of caviar my kids going to be eating, but bro, >> not that is expensive. 200 racks a month. >> Yeah, 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 cuz that's dope. >> Okay. Will you meet with my guys? >> I'll meet with your guys. Um but here's uh an interesting >> Not for content for real life. >> Not for content, but also this is not for content. Um, my mom wants to invest my money cuz she thinks it's fun. >> No, >> but she's bored and retired. Just like we got to throw her, we got to throw $100,000. >> Make an extra 50 and give it to her. But you need 200. >> That's a good idea. The winning money will go to my motor to invest. This guy will go to the person. >> Like I said, anything extra you make, you do whatever with, man. You do. >> Dude, I actually feel like hella smart right now. I think this is going I'm going to be the richest person ever. >> Just make sure enough is put aside for the taxes. Um, okay, dude. Listen, let's get your hammer financial score. Then we're going to go to the post show and let your poor employee confront you. >> Actually, Edward, but 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 give him $1,000. >> Is he allowed to speak out without consequences, >> dude? Would he be afraid? Anything that he wants and he wouldn't be afraid because he grown ass dude. It's not like fully grown, dude. Just cuz his skin glows better than yours don't mean, bro, that's what you want is you want the GHKCU to 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 some went to investing. It was Pepe. It's not great, though. The money went to insane places. Four out of 10 for that one. Your debt, your debt's not that bad. I mean, for your income, it's obviously >> you got a mortgage. It's going to be a 7 out of 10 cuz it is a high interest rate card. But for your income, emergency fund, there is no emergency fund. 0 out of 10. Retirement, would you consider the Pepe? It's not how I would do it, but for your income at your age is actually a really bad amount. 1 out of 10. Real estate, uh, it's it's probably mid at like a 5 out of 10 cuz I don't know what rate you have. You would have signed any rate and you probably are underwater currently. Listen, Hammer Financial Score five or 3.5 out of 10. It'll be higher before you know it if you actually follow this. Get yours at caleb.com. We're going to go into the post show. His employees going to confront him and who knows what else we're going to talk about. an extra 20 minutes plus three premium shows posted every single day Monday through Saturday. Click join Hammer Elite. See you in the post show. >> We could do something small and fun. We could do like 10,000. That was your limit. >> I'LL DO 10. I'LL >> DO 10. >> $10,000 coin flip. You have my word, I'll wire you today. >> Yeah, same. >> $10,000 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.