Transcript of Episode 156 - Credit Card Debt
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00:00:09| we're all born into this life free happy as a clam as a bird not all of us remain that way life dictates that we spend maybe more than we make
00:00:22| sometimes we get caught up in debt maybe a bit of a struggle it's a financial battle it's something that you have to assert yourself and figure out for your life at an early age
00:00:31| and sometimes people don't recover sometimes they do sometimes it's an uphill battle and ultimately we want to think of tick tock videos
00:00:42| and debates join us so i'm dan and i'm nick folks we're old friends dissecting one topic at a time people technology media we've got it all covered
00:00:56| each discussion here is a deep dive into our unique perspective taboo forbidden subjects they're all on the chopping block baby we don't pander to popular opinion we
00:01:08| might even get a little bit dirty good morning podcast may contain your language and sexual content and it's for infotainment purposes only so join us have a good time open up your
00:01:21| ear holes because we're going to fondle your [Music] follicles [Music]
00:01:38| i'll let that ring i love that what freedom ring baby all right well i'm dan damn i'm nick we're down pandering anders yeah we don't pander to popular opinion baby
00:01:54| that's for sure i would say it's unpopular opinion or at least not popular the unpopped pants that's my opinion yeah um so you're in trouble
00:02:09| i mean i have been for about 15 years you count school debt so i don't count school yeah that as oh i do problems i guess it begins that way yeah since you've paid trouble you paid that
00:02:25| continuously since you graduated yes we had an episode on debt so the recap is that you went to school for journalism or english correct journalism i'm a journalist
00:02:42| or journalist you didn't do that because that was in decline not really my thing anyway i don't like writing uh i know journalists too and i couldn't
00:02:54| i couldn't ironically enough i think it's all gonna end with me writing some smash hits dumbass sitcom that's based on some dumb things
00:03:03| in the form of a new media that is flooding the internet wave you got it figured out yeah we'll come around to that okay baby so you picked a major that didn't
00:03:18| pay that well and you didn't even do it to begin with but it was fun right college was fun best time early yeah probably
00:03:26| was it worth how much did you pay how much was it i don't know it was like 28 a year and i had to borrow for housing because i didn't have
00:03:34| enough money to live for my house so probably all in all i probably borrowed 32 a year my parents helped me with my first year though so only three years like say
00:03:43| three and a half years times 30. trying to see so like i looked up my i went to see a college a week ago it was uh texas a m and oh you went yeah i was just looking at it yeah it
00:03:57| was actually that's cool thursday that's funny i didn't know you went yeah it's a bleak and drab but would be enjoyable i could see you just find you find the friends that you like and
00:04:07| then whatever it doesn't matter my i'm saying bleak and drab and i came from a school that was like literally shrouded in snow ninety percent of the time uh
00:04:15| but this in-state tuition was like 14k or something ridiculous ridiculously low it out of state was like not bad yeah out of state was like they like double and then i have
00:04:28| co-workers that were making uh i guess their tuition was like 50 or and then i was like wonder what mine like the school i went to was about 50k now so
00:04:44| i looked up university of delaware tuition out of state it's 35 now so it stayed relatively the same so you went for four years yeah i did
00:04:59| so you racked up something like a hundred grand or something about that uh probably 80 probably 85 85 because my parents helped me in my first year they helped me a lot like it was mostly
00:05:08| covered not all the way but mostly and then that stuck with you for 15 years because well i'm still paying it yes more than 15 years i have like three
00:05:20| more years maybe four okay correct okay so what like you're earning do you want to tell your earnings oh i
00:05:31| can i don't care uh most of my jobs have been between which i don't know what that equates to the right outside of i mean when i worked at my parents
00:05:45| right outside of college okay it was actually probably 28.9 or something like that okay did you ask him for how to go asking for
00:05:55| a raise do you ask for i would ask daily if it was my parents would be like hey what you got what do you got in your pockets um they uh they were good they went um i
00:06:04| mean it was like it's an easy job and like they you're done by four and you only work four days a week yeah no pressure or european i'm sorry european
00:06:15| yeah except in inner city philadelphia european the finest of yours yeah but but then i loved it but um also i think they would give us extra
00:06:29| vacation days and then you end up with like 19 of them or something where you just use them randomly and it's my parents like if i needed to
00:06:36| leave somewhere an hour early to pick up my son or something like that they were like yeah it's not because i don't care so you you lived casually for ten correct years uh maybe not ten like
00:06:46| seven or eight yeah okay listen did you have a job because i got out of school a year after you because i had a five year quote of course and then so like but i thought
00:06:58| you switched jobs when i switched jobs um when i first did the colonial i feel like i had a job before i was doing countertops yeah that was three years ago
00:07:08| i feel like there's a job in between somewhere that's weird just check your time because your time frame you lost some time nick that's possible
00:07:23| yeah i think it was 10 years because i stayed in a job that i probably shouldn't have for relaxing people respected you i understand why people get stuck in
00:07:34| that were there four letters to that job yeah nsa plus a yeah good anyway so so your idea so your earnings were flat mostly negative
00:07:52| and during that time frame what like your credit card debt begin there yeah i guess um first big thing i had to purchase was like a thousand bucks uh about a computer for the house
00:08:07| that was this one there's no ios no no no no no this one was later and much more expensive no not much you caught it before the prices got ridiculous
00:08:19| again no well again correct the second wave the um it was like a macbook pro or something for the house and it was like 900 bucks or a thousand
00:08:29| bucks that was disgusting still the box in the goddamn thing anyway um so that i opened up a new credit card for that and
00:08:41| then eventually i had two credit cards and i would always keep them around a couple thousand dollars each in debt because no way i could pay at all and my
00:08:51| student loans and car payments and you're accruing interest from like 23. just trying to paint the picture no no no no oh that's totally fine like i i mean i had the credit cards in college
00:09:05| too so what was your hope what was your you thought i'll just pay it off eventually i'll make a little more eventual oh are you gonna skimp no
00:09:14| no thoughts i probably thought it was no no i just always saw it i'd be in debt for the rest of my life okay no escape i really thought that i thought that's
00:09:24| kind of a working class feel i i don't know like like i'll never be ahead so it kind of doesn't bother me that much is that a weird thing
00:09:34| that is very strange you don't like you can't feel that i think you do not know what that is i don't it would pester you to your death yeah
00:09:42| that the way i work because i would i would sacrifice i could sacrifice myself did you see my numbers i couldn't yeah how much does that can you sell plasma
00:09:53| for blood plasma i'm just going directly to the blood bloodletting what about semen um yours come on come on google uh i have no clue
00:10:12| to 60 per session okay so how many can you do you can only do one every two days can you you can't do like multiples in a day can it
00:10:20| once a week how much it's once a week a month three hundred dollars per month donation whoa oh there you go uh yeah that's not bad that's not bad how many times am i doing
00:10:33| oh for 300 bucks uh what's that a credit card payment i think that's like you're doing it like six times no that's not terrible maybe i have no clue how long
00:10:44| it probably makes you feel like [ __ ] like probably and then like you probably look like a drug user because they probably stabbed needle holes and like yeah your veins
00:10:55| look weird uh is there another way semen uh see well let's see would that be weird to have illegitimate kids running around i don't know
00:11:09| no i don't think so wow 35 and a hundred dollars per specimen you can earn a pop a thousand dollars in a month based on factors like where it is to your age and your health
00:11:22| oh yeah oh [ __ ] you might you got a chance nick and that's my left arm you guys should see what my right arm is going to look like when this is done
00:11:35| get it oh man how about another way can you do both same time i mean this is the business right you create a place that does both we're going to take your plasma and
00:11:46| your semen whatever bodily fluids you got we'll take it fecal donations hot women are going to walk up to you and we're going to extract your plasma your semen and your
00:11:56| poop what are you saying that'll be a thousand dollars but what am i getting out of it sheer joy
00:12:07| oh man oh lord okay so already okay you've accepted this burden of debt and you i guess you never like your head to get rid of it
00:12:18| i kind of wanted to but like i kind of figured it's such an uphill climb that i would have to have i would have to have a mentality where i was super career oriented do i strike you as
00:12:29| an individual who is super career oriented no no not at all interesting interesting you can tell by your group of friends none of them all degenerates
00:12:40| so so here especially all those damns check check this out the uh oh what was in direct relation to that question how did you word that question
00:12:54| oh and then dom came around my son yeah when i was 29 so at that point i just strapped it on my back and said well this is like your family like her
00:13:05| medical bills a lot did they come out of your pocket they were decent but no she did a lot of them however i think i had two medical incidents that cost me like five
00:13:18| thousand bucks each that i didn't have laying around so um that's something else they won't tell you if it's not covered by insurance sure you'll get the bill for it but if
00:13:28| you have to go to emergency care like three times because it looks affected or you got this weird wound and everyone's like please go that visit
00:13:38| is like 150 to 200 bucks and you just put that on your card because you ain't got that hanging around especially if you have a kid you know what i mean
00:13:47| so you you kind of just you slap it on your gas you gotta get the work yeah and i'm not blaming anyone but if you have a girlfriend who likes to do expensive living yeah go to a nicer
00:14:02| restaurant she'll pay for the restaurant you're like that's awesome and then for the next four days she's like i bought dinner the other night that expensive
00:14:10| restaurant can you get groceries can you get this can you get this can you go to the store and pick me up jewel pods can you pick me up this and i'm like okay yeah i mean that makes
00:14:16| sense i mean you spent like here and 20 here but [ __ ] adds up yeah and she'll hold that vacation expensive no vacation
00:14:31| we're not naming names here yeah but let's say you go to an expensive vacation and i didn't put any money towards the house cause i'm broke it better damn well be expected that i'm
00:14:43| gonna pick up three dinners for a whole bunch of people uh ice cream here pizza here the arcade for a little bit
00:14:52| and this like because you know that makes sense it's not nearly the price of the house do arcades take credit i guess they do now credit cards
00:15:00| they do um i just remember flashbacks of me when i was little like having coins and like putting a dollar in you get coins you get points but there's ways to get
00:15:10| it another interesting thing is i used to get free tickets to sporting events with a ex-girlfriend of mine free of
00:15:22| charge i'd get every flyers home game every sixers game every phillies game she could manage to get free tickets and she'd always say
00:15:32| why the hell not they're free yeah but then you guys should see money you gotta pay concessions you gotta park you get a gas to get down there you gotta eat food while you're down there
00:15:42| you're gonna drink booze while you're down there 40 or 50 bucks yeah at least i mean even back then nowadays it's even more nowadays like a hundred bucks for free
00:15:50| parking and chill like that's like 40 bucks to park your car and then for a pretzel and all of a sudden you're like wow that free ticket was wonderful
00:16:01| it's all a trap it is all a trap and i know it is so i'm not against that but i'm also listen i'm still in the prime of my life maybe crest in that hill a little bit
00:16:14| yeah but like why not enjoy the [ __ ] out of the stuff now pay for it i mean because am i going to cash in when i'm 50 and i say finally
00:16:23| i'm going to enjoy those wonderful flyers games like no one will be [ __ ] around to go to flyers games and get wasted and hammered with me and
00:16:32| do [ __ ] ridiculous [ __ ] like i don't know it's possible there's probably a crew of dudes who are in their 50s yeah who are like die hard flyers guys
00:16:41| they go to the flyers games they get [ __ ] hammered they do crazy [ __ ] they break into the back room and they get pictures with carter hart when he when he was half dressed in his jock strap
00:16:51| and then they run from security and they're high-fiving i doubt it but yeah that's possible do you know what i mean yeah and they're probably in jail
00:16:59| whereas a younger person is probably just in the fake jail the temporary deal yeah been to that jail that was youthful at times so
00:17:10| yes so i mean that's that's kind of how i look at it and you balanced your enjoyment of youth with the expense that but i'm not youthful anymore yeah
00:17:22| but have you maintained that lifestyle has that drifted away have you have you curtailed any of your expenses of course i don't even go to free games anymore i try and avoid free
00:17:31| free anything um i would say to curtail any expenses i've stopped buying clothes i don't i haven't bought new underwear shoes socks my sneakers are falling
00:17:42| apart it's like weird like i feel like when i go to work i'm wearing clothes i just stop buying clothes like i haven't bought clothes in like eight
00:17:50| years and it's like some people will buy me clothes so i look almost modern but then like people were like 24 and 26 that still care about
00:17:59| that [ __ ] like get dressed and they talk about each other's shoes and i just hope no one sees my shoes i'm like oh no no not like because i'm a
00:18:07| poor person with like holes in them oh i didn't because i wearing the same shirt and the podcast nick i didn't realize you're
00:18:15| a poor person sorry you're so who doesn't my shoes just i guess that's not a common christmas gift like if you're really poor and you like people don't really give
00:18:26| shoes unless you need shoes right have you ever gotten i don't think i've gotten shoes as a gift uh my last pair of shoes may have been a gift or at least
00:18:39| the purchase of them i asked for money for um like north wales they don't give it to you guys like that's different when you negotiate
00:18:48| someone hands you shoes and says you need these that's bad you gotta reevaluate where you are but i mean i don't buy jeans i haven't bought a coat god knows how
00:18:56| long socks fun to work so me i've had jobs that pay like i started at 20 22 making like 60 and it's just been increasing ever since
00:19:11| you beat me yeah that's financially beat you um the one thing is that i also don't buy you with one year of a sitcom wait you wait
00:19:22| did you say i also don't buy clothes i so when we started this podcast i was like all right let me try like buy some shirts and like i'll do it in bulk wait
00:19:33| wait when we started this yeah i may have bought like 12 shirts online yeah and it cost me like 80 bucks and i was like jesus christ maybe the last batch of shirts i bought
00:19:44| yeah i did the same thing i do it in phases so like there's a phase where i'm like probably like when i was like 20 like 10 years ago
00:19:54| there's a phase where like i'm going to be spiffy like at work i'm going to look for like fly spiffy said that right yeah so well i'm trying to make it dated
00:20:04| so like i i got a bunch of dress shirts and like ties and [ __ ] and like nice slacks and like i i look good yeah okay so like i i look pretty good i
00:20:15| like shoes i buy a lot of shoes but your shoe guy okay i wouldn't have pegged you for a shoe guy no shoes i probably have like 30 pairs of shoes to be honest
00:20:24| okay whatever i'm not i don't want it's embarrassing there's a point where it's just embarrassing but they last forever so i could wear those how many different color shoes can you
00:20:33| have infinitely many but actually the point is that like i there's also shirts like i have my shirt from when i graduated grade school in i still have it you got that yeah i uh i
00:20:48| just saw my grade school um graduation class shirt it's upstairs i don't wear it anymore it's oversized and weird and had all our signatures on the back
00:20:55| that's exactly what i had wait yours was the same thing yeah i wear it like everyone was asleep i don't wear mine but it was white and it had on the back
00:21:04| all the the classmates signatures on the back and their actual signatures choreographed onto it and in the front said like our graduating class class of i bet all of the schools in the region
00:21:14| did that they probably bought them from the same this fabric is super soft no i don't know dan is it a gildan yeah i thought it was jill dan to make
00:21:22| it i have no idea maybe you're making it sound fancy so anyway anyway the the new clothes and stuff i'm there was a point where i was doing that
00:21:35| but then i just stopped like no one gives a [ __ ] it's a fashion yeah like to keep up with fashion you're spending money that's kind of wasted money like it's not
00:21:44| it's not a need the clothing it's the clothes change i wish that i had the tick tock leggings on right now to be like do you never saw the ones the
00:21:54| anti-cellulite ones that give you a perfect butt and they love i know what you're talking about but i've also seen a woman who put them on and it did
00:22:01| not help her at all it looked like it looked like the flattest ass and she's like i don't think these work that great and she's like for the record i had a flat ass before
00:22:10| this and i was like she signed an affidavit the company is suing her actually for not having a beautiful ass once you put on their leggings
00:22:23| it's a falsehood unbelievable cannot be true so i don't know there's pieces that i just like i let go that i don't care about and i
00:22:33| never thought that you were like i knew you were in debt but never thought like you'd be in it i don't share that with everyone do you know what i mean yeah but i never thought
00:22:42| that you were in inescapable debt i always thought you had it and it was gonna like hover and like maybe float it would drift a little bit
00:22:52| but it's gonna stay around about the same in 10 years it will be gone so how much debt do you have right now uh 22 k in credit cards
00:23:06| okay it's like 10 and change and 10 and change uh i'm going to be paid off that car real soon dippy kaye okay i'm still down to
00:23:17| three years of student loans with i don't know what that breaks down to uh it's probably in the 10k range i like just i just like that number i'm not 100 sure on that i haven't done the
00:23:29| math from school once yeah how often do you actually like log in to look at this stuff do you hate like logging into your bank account it's automatic it just comes out every month
00:23:38| i don't do it wait do you when's the last time you actually like looked at any of that stuff it's like balloon stuff yeah uh six or
00:23:44| seven months ago when i did i was probably doing my taxes or something like that and i was checking out my e whatever the [ __ ] it is for
00:23:50| borrowed interest it's like when i check my mortgage and i go oh good thing i'm still paying that because yeah i thought it was it right away but you keep paying it yeah
00:24:00| yeah and uh amazon card is down to a yeah but you got that first 50 bucks right right amazon yeah you get 50 bucks off when you get an amazon card
00:24:15| oh maybe you do but do you know what amazon subscription is anymore it used to be like amazon prime oh yeah it's getting higher now
00:24:27| yeah oh it's been getting higher every year but um oh i didn't even think of that dude pay for netflix and [ __ ] mm-hmm that's like 12 bucks a month
00:24:38| honey hmm okay let's go to the hard number anyways we're hitting hard you have i told you i forgot yeah let me see it
00:24:48| i'll share screen with you do i have to go to this side i don't yeah hold on a second here yeah there oh there we go and you have numbers here these are your
00:24:58| numbers i'm going to lose part of this as soon as i do this and this is for anyone who's like not rich
00:25:06| and maybe has a lot of expenses like myself so like i think median out household income is something like 50 or 60k so like if you were a single person
00:25:20| i assume that most people are around this number so you're the average joe or average joe look at that look at you so you're making like 40 a year this is
00:25:32| going to be that tell me the actual that's what it is actual is probably going to be closer to 41 and change because i'm making commission
00:25:41| i'm gonna up that by one forty one okay i'm also gonna leave it in their mind so you don't have 401k i do well you do we
00:25:51| win this year do you contribute to it yeah you do yeah you have a percentage that you put in yeah i want to say it's like uh one to
00:26:02| two percent and they match it or they match up to four but i don't think i did the full four wow yeah dude look at me i'm saving
00:26:10| growing up all right let me get that negative there oh there you go making sure it matches uh okay so you got a thousand bucks a year
00:26:17| and four okay i didn't tell you what my health insurance was oh yeah i have no clue um is that like 1 30 of pay period
00:26:27| uh that's 120 so i i didn't detail this for people who are might be watching is that this is in i understand thousands per year
00:26:38| so uh if you can do the math on that it's uh something else other than what's shown what um hold on did you figure out if i'm paying health insurance it's
00:26:52| probably like per year uh how much do you pay per week or pay you pay by bi-weekly it's bi-weekly and i think it's like 120 to terrible but it's i mean it's still
00:27:07| money so it's probably month okay so it's much higher than i thought so 250 sure it's 3k a year and then put this over here that's where
00:27:23| that number comes from okay okay so your benefits are 3k here that's going to be tough on you down the line let's just keep going um you don't have to throw it yeah you
00:27:32| don't have any of these this is i have an hsa but i've never used it what does it do uh so if you contribute to the hsa it comes off of your oh it's not
00:27:41| no no i do not okay it would actually be beneficial as it's like uh really it's tax exempt like i can throw money at it and it won't be taxed yeah and you can put it in like it's
00:27:54| it's like free money in the end oh so don't have to spend it on medical things though there are loopholes when you like get to end of age when the podcast ends let's
00:28:06| talk about loopholes yeah um this i what's that uh these are just taxes so it's right off the top payroll taxes so what do they take out they take out
00:28:15| um like seven point something percent seven point yeah it's close to ten percent so it's probably closer to eight in my case but anyway i don't care yeah
00:28:24| that's everyone gets taxed that up to a certain amount oh oh it's not okay you have state and fed can you see the numbers and stuff i'll just
00:28:32| make sure that yeah okay i can see the numbers so like 3k uh so adjusted uh gross income is like 34 and that's what you get taxed on
00:28:46| so this whole thing there's more here that uh in my situation i fill this out but in your situation since you're a single filer
00:28:55| your federal taxes are like point three thousand a year so thirty two hundred a year okay that gets deducted out um bubba bus get past that's calculation so
00:29:07| your take home is thirty that's a decent amount of money not really yeah let's jump over to your expenses okay so child care i assume there's like
00:29:22| incidentals where you're like taking care of dom sure paying 50 bucks a month that's that's yeah that's listen it's probably more than that but let's
00:29:33| keep it at 50 because then if somebody complains and says i pay for all this stuff what do you do i'll say i pay at least house
00:29:41| is seven three seven hundred thirty bucks a month ish yeah it ranges between seven ten and seven fifty okay so i'll take that it's
00:29:49| with oil and then food i put uh about interesting you put a high number there you think well if you're paying my thought was that hundreds a lot
00:30:00| well i want to say it's been 150 a week grocery store okay between 150 and 200 okay so you went on the higher end and why did you oh and you're adding in like lunches
00:30:11| you're adding in like random things okay dinners oh yes okay if you eat out sure i don't eat out anymore no yeah it's tough really
00:30:26| that's perv okay food okay medical and then we're just going through the expenses here utilities you don't pay for any
00:30:40| utilities right correct yes don't pay for the electric or the cable gas water electric although if you want to get into netflix and like hulu and one of the other
00:30:49| things i forget which one is mine but anyway okay you have that over there let's add a uh subscription and then you pay for uh just say 25 bucks a month
00:31:05| yeah it's not a lot i mean it's like hulu netflix and youtube music it's probably 25 okay just adding it in there
00:31:15| and then you pay your own phone 50 bucks a month my parents have let me slide i i'm on a phone with them and i give them 50 a month
00:31:24| sometimes it was 55 lately it's been like because i think they feel bad for me so let's just say it's 50. i'll just say it's 50.
00:31:34| car payment which is about to end 380 a month is like two grand a year ish it's about no it's it's closer to two six months yeah so that's
00:31:52| only 13. you don't have any collision no i don't think so oh what's that 6.50 yeah i think it's like 6.50 every half year okay so 1300 here we just drop that one
00:32:06| drop that up a little bit pick it up and then gas 50 bucks a week no only at like 35 40 a week okay imagine that because i can work from home two days
00:32:16| so there you go okay um and then this is where it gets brutal okay credit card interest interest yeah what about the payment um i'm
00:32:32| assuming that you are not gaining on credit card interest because of the next sheet which i'll show you no but it was 350 each
00:32:46| yeah what a month yeah that's the minimum payment holy [ __ ] oh wait no you're you're including the payment for non-entry yeah i'm including the payment
00:32:56| yes sorry okay i'm going to assume you don't even know how much interest you're paying you have no clue no christ nick come on now
00:33:10| well you have 22k in credit card debt do you know your interest rate 24 point something uh let me quick ignore your door uh one second
00:33:29| yeah you have four hundred dollars ish so that's higher that is brutal that's not bad that's brutal you say did i say 400 something i said
00:33:47| let's drop it four even you said 400 even okay let's not let's just keep it at 22. i love that you're so proficient in excel spreadsheets about
00:33:58| money someone else's money too of course save that i mean um and then student loans 480 a month [Music]
00:34:09| okay uh yeah okay because i think it was 388 plus like 150 something you know it's a little higher but yeah it varies now and covid has changed
00:34:19| things yeah this is tedious and boring for certain people we're just walking through it some people are like oh yeah yeah but i do yeah but there's
00:34:28| an epiphany coming here alcohol there is leave a hundred bucks a month maybe it sounds high but then i'm like what if i add in beer because people come over
00:34:41| um what if i want to treat myself to a weird alcohol yeah we'll say 100. it would it would have dropped to 90. just i mean it's not dropping that much 90. okay
00:34:56| travel if you even do you pay or try i guess it evens out you said you have to pay for other kids i mean that's for vacations no one knows let's not get into that
00:35:09| that's a weird number that could spike to 390 in one night or zero dollars for four months okay and then miscellaneous for
00:35:20| random crap that you have no clue and then hospital bills whatever sure okay so your total number that's 45 000 a year out of what we just watched
00:35:33| it makes total sense yeah a month you're paying about 3 700 and then every week it's like 800 and something does that seem ridiculous that like
00:35:45| you're not like in in perspective of the way you live right it's not outrageous that's just baseline my life isn't solvent correct i've been spending more
00:35:59| than i make for like 15 years roughly so here's the kicker i have impeccable credit i'm sure in the past six months it's
00:36:11| taken a bit of a hit but that impeccable credit has allowed me to borrow more and more and more yeah i bet you didn't factor that in
00:36:20| i did in the later phases okay this master plan i have i have cooking i hope i hope it absolves me hold that so what's crazy is that like okay i'll
00:36:32| go down here where it says remove debts um let me bold it and bold it so other people can see it expenses stop paying for my kid no uh oh okay you're saying yeah so i guess
00:36:44| most people they're gonna have a car payment but you won't soon right sure and then if you stop paying for student loans because your interest rate
00:36:53| on that is actually fairly low okay and then say you rolled over your credit card into something that was zero percent apr right that's impossible but let's go
00:37:03| yeah um i would say this is like maybe the best case scenario for anyone in the united states actually if they have maybe a little less than that but about 30k
00:37:14| a year you might be able to like room up with people and like shave off some of your food um but overall right yeah maybe your rent could go down maybe if you go down
00:37:27| maybe you carpool or something sad like that um no sad dude i just feel like it's sad like if you're if you're
00:37:38| what if you need your own car like you like you're gonna need your own car in america in america it's sad in european countries no a lot of metro
00:37:46| yeah or if you're in a city if you're in a city you can get around but if you're a suburbanite you're screwed yeah oh yeah you're password and i've been a spermonite so from my
00:37:54| perspective it's sad there i understand that perspective but the crazy thing is that like okay what minimum wage is what seven something so like
00:38:03| yeah and they're arguing for 15 an hour which is still less than i make yeah if it was 15 an hour it'd be 30k a year so like one person with these expenses
00:38:12| could barely make it on 15 an hour which is absurd which is absurd so there's so hold on my my theory when you wanted to do this kind of podcast is that a lot of people
00:38:24| are going to either be in my situation or already are and aren't talking about it is that a weird thing no that's exactly what so my my take on
00:38:33| this is like i see the numbers of like a household makes like 50 to 60k a year and i'm thinking like well that's like me alone makes that way more than that
00:38:43| and then it's like i like even i like i'm not struggling but at a certain point between like 23 and 25. like you're like damn i didn't think of that
00:38:53| damn i got to spend money on this damn am i going to fix this it's the realization once you have kids that like it's inevitable that you have to spend like 20k more than you
00:39:01| ever thought and then you're like well [ __ ] like this job doesn't make sense i have to get out of this job at least that's what i thought and when
00:39:11| i look at the numbers that are like like four people i just think like there's no way i could have done that when i had my spreadsheets at 23 i was making like an extra thousand
00:39:24| dollars of like cash a year and that was my buffer so like if i had a good year like i was positive because i was paying for everything and my wife didn't have a
00:39:34| job i was paying for a house a car all the stuff that like it's expensive yeah yeah we detailed all that stuff
00:39:42| [ __ ] expensive so at twenty three your cable bill gets [ __ ] ridiculous or that no one that planned on having the netflix bill every month or no one
00:39:51| planned on cut yeah it's one of those things that you like checking comcast at 23 you see that they charged you an extra three dollars every month for the past
00:40:01| what are they doing like why why are they taking an extra 36 dollars from me now and why did they do it sneakily like so i wouldn't notice maybe bastards freaking bastards but a lot of things
00:40:12| are like that netflix netflix amazon prime oh sneak an extra of course so i hate subscription stuff like all this software stuff is all subscription and
00:40:24| like slowly they just like change their price well the number even a tiny bit twice email that you ignore excel from uh 10 years
00:40:33| ago i own but it doesn't make sense like there are probably you know probably quarter of america is doing what you're doing it's where
00:40:46| they don't make enough towards it they have to yeah they have to spend it and like you could live like as cheaply as possible
00:40:55| and like i don't think that it would make sense i don't think you'd make it out of it maybe not so like i always thought that like in the beginning i thought the 50
00:41:04| or 60k was like an accurate number i like i like i don't know how we could continuously have people
00:41:11| that are like doing this awful like either i thought it was like fake or like maybe people aren't reporting it or maybe they take like wages like the tips and they just like hide it and like
00:41:21| that's how they make it up so that'll feed in the end my conclusion this is like this is a presentation yeah yeah i'm good at this um so yeah so i've removed your debts so
00:41:36| i put you down to 30k so the problem here is that even if you were freaking cheap as hell and didn't pay off your student loans your difference
00:41:45| is like 2k a year well i could um buy a pair of yeezys a new computer and like go on vacation once a year no no you can't do that okay just the vacation just
00:42:00| just some of the vacation yeah well the vacation's already factored in there so oh did you oh okay yeah but you don't have any clothes oh so that's kind of that um family and
00:42:11| friends buying steam games for my kid like he uses these are real cheap and they don't uh they don't show under five bucks yeah i round down
00:42:19| to the the tenth significant digit so you gotta keep it below that in a year okay but so this is how the the whole reason i'm doing this starting to get like
00:42:30| your financial picture because like sometimes there's something that stands out but there's really nothing here that you can't you can't really save that much
00:42:40| this is the problem uh that's true i haven't been able to save much and then so this is the factor that i do have a savings account who for people who may feel sorry for me or
00:42:52| think i'm a piece of [ __ ] currently i have 398 dollars inside of it keep that safe good yeah keep it tight a nice wad
00:43:06| when they come for you sneak it so i can't find it what do they do when you go to prison and you have money in your [ __ ] do they keep it or do
00:43:17| they put it in a lock box do they they probably don't clean that box you get it back you get it back at the end of your sentence no they'll clean it but only
00:43:27| with like the the bargain bin cleaning supplies will be covered in line the really cheap stuff yeah it's like mr bleen and it's like mr clean but he has
00:43:35| hair and you're like oh this guy cleaned it lemony fresh okay so this is the bad news and this is the part where
00:43:44| when he told me how much debt you had i was like there's there's an event horizon for like getting out of that and you're way past it
00:43:56| for what you're making now actually doesn't bother me yeah it's it's all right it's okay um it's not it's not okay you're in trouble nick
00:44:07| and this is why i know this is why i care hold on do you also want to hear this theory i think people are just going to stop
00:44:15| paying back creditors after so we're coming at the end of covet here and some of these stimulus plans like cover for like
00:44:25| uh no evictions or no foreclosures i feel like there's a good segment of the country that's just gonna be like i'm done and there's gonna be riots and there's going to be people not paying
00:44:36| anything they'll be evicted they'll be on the streets i've even noticed around like my suburban area has like now i'm like i know that homeless person
00:44:45| like they're like they've been there for like months now like i know like a couple of them that have like around my grocery store and like
00:44:52| i'm like this is not normal but like these people they seem like they're functional they're not it's not like they're need mental help or anything like they're
00:45:00| just like this is what i gotta do so that's like that's why they're there that's not your future nick i can let you do it
00:45:09| uh if if it's me and 10 million people i think we all just say we're not doing it no i'm just saying that's what you're banking on
00:45:19| if that i have to i guess you have to well you don't have to i have solutions okay well then what's the alternative can you bring the alternative sounds much better all right
00:45:27| so i graphed out how much you'd have on your credit card in the next 15 years if you took that if you didn't pay your student loans if
00:45:37| you finished your car payment and then what was the other one that was expensive uh often your child no it was the other one
00:45:45| it was a credit card interest which doesn't really you can only delay that so if you cut out those payments and had two grand extra a year and put it towards your
00:45:54| credit card you would still in 15 years oh more than three hundred thousand dollars on your credit card well then guess what this is real easy
00:46:06| just not pay it i you you seriously would have to consider bankruptcy at that point if you're that high what do you do for that yeah i think you lose the ability
00:46:18| to have credit cards and then you also couldn't really rent and then also certain jobs like look at your credit history and they say you're not worthy
00:46:26| wait did you already have a job though if you were to lose your job ah okay which i think the whole the whole scheme is to make you beholden to a job
00:46:38| what about ranchers they checking your credit so like i know i'm already in a place yeah but if you were to lose that new place okay so this is all about
00:46:47| new stuff the scary the scariest part about this is that if all of that failed like it would end up so that you'd have to live it like some
00:46:55| really shitty motel and it would cost you more money it'd be like a 30 night hotel you ever think about that oh no no no i would i would find a different way but
00:47:09| this is a thing like some people even if i could like some people couldn't yeah i think the bubbles gonna burst i think so too and that's also it's also
00:47:21| my hope that makes sense i don't have it yeah but i i feel like the powers that be will just be like we're going to enslave these people make
00:47:31| them wage slaves and and just doesn't isn't there a point where wage slaveness kinda overcomes to angry mob this is uh
00:47:44| late stage capitalism yeah late stage capitalism baby so what i did hear in this graph is that if you were able to get a different credit card with a different rate
00:47:56| this is the different graph so like it was good like this one not terrible you know if you were able to get the rate down to 10 your your interest is not terrible like
00:48:07| you could maybe manage it for a time but it'd still be greater than it's like right now you're 24 uh percent interest if you were like i say uh i'm trying to make it so it's
00:48:21| balanced so like say you're five percent interest like you would still increase you would still be increasing of course oh
00:48:30| with each payment yeah and i don't think that's such well i did that i did that with my student loans already so right what do you mean you i mean when you're paying off your student
00:48:42| loans your student loan gets larger for the first like three to five years or at least mine did i feel like you don't pay off enough no no no because it if
00:48:53| i feel like it wasn't fixed interest early than one it was closer to eight percent or something like that some of them were 10 oh you have a variety of loans then yeah
00:49:02| yeah and they're all pulled together it's like a perkins loan you know this loan and it's effort loans yes correct and then they're some were variable rate from or fixed
00:49:10| something like that but like so it's weird so like some of your loans you can pay off for like 14 months straight and now you still owe more than you originally
00:49:18| borrowed and you're like that sucks but it's the interest yeah but i mean that happens with anything but it's just funny you're saying even at five percent so
00:49:30| i guess the there's a piece here that like how much do you think you have to pay off per year for you to be like level further your current setup
00:49:39| for 24 percent for 24 24 hours really think you'd have to do you probably have to do the whole wheel of fortune win 28 000 and put 24 of it right
00:49:50| towards the debt and then from there before you kind of ride on to play with and do whatever and i think you're good that's not a joke i really have
00:49:59| thought about that when i watch wheel of fortune you're like i'm like banking on that's the number and i'm like if that's me guess what i'm doing folks
00:50:07| i'm debt free so if you it hasn't happened yet we can see that if um if you made an extra 8k a year actually no if you made an extra yeah
00:50:21| i'll just add it say you're paying off 10k a year it goes down immediately oh dude holy [ __ ] yeah that's insane it goes to nothing and you're safe so
00:50:34| the number to keep it flat is probably like what 6k or something oh no it's actually if you know it's five that's right five let's see you're
00:50:41| gone i'm guessing it's about yeah yeah it's five it's in that the one yeah so the lower interest rates go like after a couple years oh that's
00:50:50| weird yeah that is yeah what's with your the one interest rate option c got [ __ ] up right there a little bit between seven and oh because i guess you can't pay it off at once or something i
00:51:00| don't know anyway yeah um that's weird yeah i get um so i just gotta add 10k to my yearly uh supplementary income and not and also
00:51:13| not start buying shirts and underwear and [ __ ] yeah well your budget well the problem is that uh oh that was with my debt removed that's with
00:51:22| a debt removed i get it i got a lot to work on so remove all my debt make 10k extra a month in spending money right
00:51:33| it's actually your cash right now after your expenses if you remove your car payment because that's disappearing you have like 9k that you
00:51:42| need to make up to break even okay so yeah so in order to to overcome and get this curve at which is really this is still bad because this is the curve you're on
00:51:55| that's true you'd have to do 9k plus 5 so you have to make an extra 14k a year manageable so this is my suggestion let's hear it and there's multiple layers to this is that
00:52:10| a you switch to a credit card that has a balance transfer that allows you to do zero percent apr for a year for a year for year or 18 months
00:52:20| it should be the year that i get the new job that's worth 8k more but that's yeah um when you do that you probably want to take out a personal loan to try to knock
00:52:29| it out you could try to do it before i don't know how much you can get a i mean you've got credit so you can get a personal loan personal loans can be like
00:52:38| so depending on what you're doing you should probably like get that zero percent hope that you actually pay off most of it and then get the personal
00:52:46| loan yeah get the personal loan knock out whatever's remaining don't get the hit for when the special introductory rate ends
00:52:55| um it's the idea if you can't get a personal loan to cover that difference i would be able to get money to cover that difference i have enough relatives with money that they would
00:53:05| absolutely help me out exactly so i would set up like a loan agreement with them for a lower percentage depend i mean they might be nice and
00:53:13| just like give it to you or like be like whatever wink wink not done i'll pay it back yeah anyway go okay blood semen and uh plasma plasma give it up give it all
00:53:26| that was the blood okay plasma um so you could do that what i think after like mulling on this because like i had like all weekend to think about it
00:53:36| thank you i think you should become a bartender i actually that's really where did you say that yeah i'm just saying that i um would be a
00:53:46| perfect bartender yeah well i think you have time for second job good listen wait oh as a second job that's the site well the thing is bartenders probably
00:53:55| make about 30 bucks an hour is my estimation that's actually a good estimation yeah and that's that's cash wink wink wink wink yeah i understand so
00:54:06| if you made uh 60k you would have cash after expenses after the car that would give you 6k so you'd have enough to pay off your
00:54:18| debts at that rate you would avoid these changes yeah no lifestyle changes except for now you're a night owl and it would be interesting since you have
00:54:30| um a non-cooperative female i would say partner okay okay okay keep going i'm sorry so when you said relatives i assume that
00:54:43| maybe you can negotiate with your uh non-cooperative female partner to maybe help you out but i don't know that she would uh i got a 50 50 shot on that yeah and a
00:54:53| lot but your your trump card i said that name uh my card yeah the card that's up your sleeve um
00:55:04| is you say i can't pay off my debt so i'm going to go further into debt and there's no way out of it i need to pick a second job i want to be
00:55:12| a bartender at night and then what what what is she going to say to say like no you can't like yeah well i need to make money
00:55:22| and then she'd be like but she's going to be hey everything yeah this this is the power move is that she's going to see you as a bartender
00:55:32| socializing and all of these i guess cougar women will come out of the woodwork it doesn't matter if they're if whatever kind of woman comes out of the woodwork
00:55:44| people will be actively talking to you probably as a bartender i don't know but that they are enamored and she will be so jealous that she'd be like
00:55:57| i need to pay off his debts that's the biggest stretch you've made with any effect of information from the house okay that sounds more like a direction
00:56:09| anyway yeah it's interesting so i guess it boils down to you probably need i mean so i did this when i started out was that like okay i need to save as
00:56:19| much money i need to eat like water and bread and like not like not like spend on going out to eat but [ __ ] that like you need
00:56:27| as many jobs as possible like you need to increase the amount that you're making boost your income so that you don't fall into this pit of like
00:56:37| like what's now average american really which i think is why most why they report american families as making 60k is that you can have 60k and not go into debt
00:56:52| with one person but yeah i'm not getting into that but yeah yeah interesting well i'll be a bartender but uh what kind of tic-tacs are we gonna make to make us
00:57:04| money here i don't know so i was watching this so i don't know there's multiple things that like i didn't expect to like tick tock and now tic tocs like taking me in
00:57:13| all these different areas all you do is show me tick tocks now yeah every time i get a text from you it's a tick tock and i'm like jesus christ you're the tick-tocker
00:57:22| well could you take down my could you take down my debt chart no sorry show your face no it's fine just stop sharing with you and then um oh where are you okay
00:57:33| may take go swap there okay that's fair so the we'll switch gears here it's like making money via tick tock i see all these people that are promoting merchandise and there's like
00:57:44| really shitty tick tocks and like women that dance like this yeah do they do that it's like just hand moves only they don't move their feet and it's just like
00:57:54| like i know you're doing it because like you have likes and followers because you're attractive and that looks like on the side they're like shaking their butt
00:58:06| and like they might not know that that's like they're just attracting men to be like like they they know they must know that but i don't know about the younger women
00:58:15| that are on there i think tick tock change their algorithm to like avoid them no even they know that what kind of men they attract or whatever above
00:58:24| but that's not what i hope i was debating like i saw the horror one i also saw the one with what you saw me did i show you the one with the i showed you one today there's one of
00:58:34| like the woman that like had that mirror that she moved and there was no that was literally in the it was on the news today or yeah
00:58:42| it was yeah and i was like you saw it on the news i saw a tick tock yeah yeah you saw them take like days ago the news just came out with it yesterday well that's what's happening
00:58:51| is like reddit is getting like half the videos from tick tock now because tick tocks have taken over well because it's it's very quick it's very
00:58:59| young quick hit so yeah anywhere young people are it's a speed movement communication it's also destroyed my ability to read anything i'm like this isn't in a video
00:59:10| like news our articles what am i i'm not going to read this so keep going you're a tech talker i don't care i like i've made six
00:59:18| tick tocks you probably can't find them but that one woman's video of like going oh and she goes through the mirror yeah and then finds an open apartment that's like why
00:59:27| is this here why is this behind my bathroom mirror why isn't it being rented or anything that's like real estate that's just sitting there and is
00:59:34| possibly haunted possibly a homeless man is living in there possibly people are doing [ __ ] in there like that's that is kind of wild yeah and then your bathroom
00:59:42| it used to be that you'd like find that i guess you kind of find that stuff on twitter but not real it wasn't in the same format of like this next episode there's like swipe
00:59:51| there's no format for that like um so i worked in old abandoned buildings in uh like in germantown and um we would i would go into abandoned
01:00:03| spaces sometimes not often and when i did you could find stuff that hasn't been touched for 30 years which sounds not similar but is
01:00:13| and i didn't have my video camera open following it but you'd be really scared to go into the next room and find like dishes and dinnerware set up that was
01:00:24| left 28 years ago and never touched after that and there's a [ __ ] scary weird thing that now with tick-tock you can [ __ ] record it and upload it
01:00:34| perfectly like almost the emotions the feeling the the fear all that stuff whereas back then i could take pictures of it with a freaking camera phone but it's not the
01:00:44| same your video account no yeah no not at all yeah he's carrying a camcorder and now with tick-tock it's even quicker so
01:00:54| you're really able to live discovering uh yeah and unknown there's an [ __ ] yeah there's an aspect to this that like i looked at pictures from 10 years ago and i was like oh god
01:01:04| and i realized that at a certain point cameras then changed so that they actually could capture the world like it is like you got retina display you're
01:01:14| saying that but in 10 years they're gonna do even more and they're gonna like oh god you're gonna be like damn it's like i'm [ __ ] there that's nuts but yeah now that you can you know
01:01:25| record with your your cell phone and walk through wherever haunted building it makes it so that there's a medium there for everybody and there's naturally 90 of the garbage
01:01:36| out there is useless but then there's like the one or two stories that are like either they're really well crafted or they're genuine or there's some piece of
01:01:44| it that like oh like oh my god like i tried to uh comfy a steak uh the other day because i saw it on tick-tock comfy a steak is putting it in
01:01:52| oil and cooking it to a certain temperature and then you pull it out and you you pan fry it afterwards to make it crispy and
01:02:00| it wasn't that great but i could see if you had a really good steak you could probably cook it like that it would still like taste pretty damn good interesting
01:02:09| but that's what tick-tock does is that it gives you a little window into somebody doing something crazy or just like interesting it's bite-sized enough where if you didn't enjoy it you
01:02:20| can go to the next one skip yeah you immediately say i don't care let's go the downside and i will say this because maybe you weren't going to bring it up
01:02:27| if you were is that you don't what is this called um survivorship bias you don't remember the times you saw a non-interesting one and skipped it went to the next
01:02:38| you'll only remember the ones where you're like damn that was kind of cool it was only 30 seconds i gotta share this with someone and you'll share and you're like this is a perfect medium
01:02:47| you won't remember 30 times you clicked left or skipped because like 10 15 minutes at work you're pooping you know what i mean like you didn't
01:02:57| really you didn't really it wasn't a big deal but it also isn't a great percentage necessarily i'm not saying it is or isn't i'm just
01:03:05| saying you wouldn't remember yeah there's also an there's an effect of it that like i probably looked at like and then
01:03:15| right the algorithm that tick tock uses there's something with it that it knows like it starts to figure out like how long you watch certain videos for and then that
01:03:23| tabulates into like some category and then your categories add up and it starts feeding you like not only that category but the the ones like that are in that same scenario you
01:03:32| sent me you sent me the one that was a horror spin off of probably the lady finding the stuff behind her mirror was someone who made a fictional one
01:03:41| correct we're going to assume that's fictional jesus christ i hope it's fiction i hope so so that that really intrigued me because like that's the sort of stuff that i
01:03:48| really like and it's weird that like i don't like that two-day you know like the ice cream two days ago i was i was alone in my room in the dark my son was putting me in jail
01:03:57| and i was like let me see what dan sent me and i literally opened your video and it was this lady and i was like i think this is the one where the lady finds the stuff
01:04:04| behind her mirror and it was like i think i'm hearing voices over here and it was like her with the glass and i was like okay where's the joke coming dan better be telling me a good
01:04:12| joke here and then there was like weird voices and then she opened her ventilation shift and it was her listening up and there's his voices happening like this
01:04:19| conversation like a far away tv conversation and that like she just her next clip was this is what i found in my room later that night don't be eavesdropping written in
01:04:30| crochet on her pillows which takes a long time to do you can't just crochet in five seconds so that's even scarier someone had that pre-crocheted or
01:04:39| instagram shade on her pillows and they knew she was listening and i was literally like oh [ __ ] no no this is the uh and i was alone in my room and my son
01:04:49| was like are you going to come out and play that and i was like i don't want to play nothing dude that's awesome i wish this would make bad timing
01:04:57| that makes me want to do it like because i i think i could craft this so like the ones that stand out are the ones that are well crafted that you don't really buy into it there
01:05:06| was a i saw this and it frustrated me to no end there's a woman making quesadillas using like some authentic recipe and then she like
01:05:14| dipped it in the sauce and then she fried it back on the pan and i was like that it looks so good i'm like it's this looks so genuine
01:05:22| and then she takes out the quesadilla and she goes now i dry it on my bounty paper towels and she i'm like no and then she just has these like bounty paper towels behind her and
01:05:32| like a row and i'm just like god damn it product placement tick-tock it's happening like this is the way advertising is going faster you can't blame advertisers
01:05:44| either but also we can yeah but yeah i think that if i had created a narrative that wasn't product place or maybe it could be product placement maybe it's
01:05:55| a horror story that's like oh no he's coming after me and i use my dewalt screwdriver to get like stab him in the eye and like i talked i talked with my other friend about this
01:06:07| my other dan friend about this what about anti like uh advertisements like you know no publicity is bad publicity what if we gave
01:06:17| bad pub to certain items and certain brands until and we had millions of followers until they they paid us to stop is that called
01:06:27| extortion and then they permanently permanently pass forever yeah well just like what if it was and we're like oh yeah the one thing you don't want to use if you're being assaulted women
01:06:37| bounty paper towels i think we did like a scenario throwing your favorite rails at them and bounty won't stop them like every other paper towel was great
01:06:46| but bounty hmm let me tell you guys our test scores if i loved my daughters or my wife i would never buy paddy and just like anti ads
01:06:58| like oh you guys don't use tide pods hitler did like you know what i mean just like being like over the top just bad stuff about a company until they paid you to stop
01:07:09| here's here's 400 just please stop talking about our product i think we could actually do this and actually make some money on it and also it'd be super creative and
01:07:20| interesting we we have to be popular first i don't think you have to i don't think you have to with tick-tock i think it's just like anti-ads just do anti-ads
01:07:30| yeah i need to make at least 6k a year in bonuses that's what we're gonna do after you bartend and i am gonna get in so much trouble
01:07:41| for bartending you i can't wait for it it's gonna be fantastic i'm gonna be so good at it i'll do it with my shirt off who the hell cares
01:07:50| oh powdered toast man these rubber noodles just bending over to fart before i take off and serve a drink and then go to the
01:08:01| donation spot for plastic so to wrap this episode up because i was very quiet like there's a lot of people who might be like me maybe you got a family maybe you're a
01:08:10| man you're like suffering you like being quiet and just being like i'll deal with i'll deal with it i'll deal with it and then eventually you have like 400 million dollars
01:08:18| you can't deal with it show me the one it's going out you're just no way you're gonna get there i mean actually i beg differ i think i could add another hundred look at that
01:08:27| freaking curve man you're screwed what if i just didn't pay it bankruptcy yeah but then what i'm sure that's bad i need to look into
01:08:38| it for you i actually i wonder if more and more people just do it for the hell of it and then it's like everyone's doing it at this point and
01:08:47| then i'm like it's going to be like i'll do it talks about bankruptcy i'm just saying okay now what about this what if i still had a credit card so check this my girlfriend did a
01:09:00| credit uh refinancing thing now she had to get rid of all her credit cards all over this consolidation they yes she kept one on the side never told the company
01:09:11| they never found out how [ __ ] is that no she didn't rack up ridiculous debt she's used for like odds and ends and everything like that but i was like yeah that's a good way to build credit
01:09:20| and not tell the company no no i'm you know i don't know well your credit comes from paying off bills continuously regardless of whether you're going in the hole or not
01:09:32| correct covered in blood deep in red anyway um if you are citibank or anyone related and you're watching this podcast i actually haven't received any of your
01:09:47| letters and or a voicemail from you because my voicemail's messed up so if you wanted to communicate with me directly um we can take away any late
01:09:57| fees you guys saw um i'll talk to you guys about figuring out a plan call me on the podcast i've done some math i think 12 percent is a better apr for me
01:10:06| so if you could do that we'll set up a plan to figure out otherwise you're [ __ ] putting this on false well we like you we like you folks get out of debt if you
01:10:21| want to donate to my credit card company i will let you know who they are no don't actually don't pay them don't pay them hey even if you even if it's on pandora's
01:10:31| like that goes to nick i feel so sorry for him right now look at him even better dude can you imagine if you're like we're going to
01:10:38| split this equally yeah i'll put it in my spreadsheet i'll tabulate it and then 10 years down the line i'll be like hey nick say you owe me some drinks
01:10:49| and i'll be like dan i'm still bartending yeah yeah i know at woody's anyway folks thanks for tuning in thanks for tuning out
01:11:00| i hope you can add your stories of success and beating back that in the american horror story so thanks for tuning in check out our
01:11:08| socials do all the [ __ ] we tell you to do and keep listening because this episode might release tonight might release tonight i don't know
01:11:15| i'm hoping let's see good night
00:00:22| sometimes we get caught up in debt maybe a bit of a struggle it's a financial battle it's something that you have to assert yourself and figure out for your life at an early age
00:00:31| and sometimes people don't recover sometimes they do sometimes it's an uphill battle and ultimately we want to think of tick tock videos
00:00:42| and debates join us so i'm dan and i'm nick folks we're old friends dissecting one topic at a time people technology media we've got it all covered
00:00:56| each discussion here is a deep dive into our unique perspective taboo forbidden subjects they're all on the chopping block baby we don't pander to popular opinion we
00:01:08| might even get a little bit dirty good morning podcast may contain your language and sexual content and it's for infotainment purposes only so join us have a good time open up your
00:01:21| ear holes because we're going to fondle your [Music] follicles [Music]
00:01:38| i'll let that ring i love that what freedom ring baby all right well i'm dan damn i'm nick we're down pandering anders yeah we don't pander to popular opinion baby
00:01:54| that's for sure i would say it's unpopular opinion or at least not popular the unpopped pants that's my opinion yeah um so you're in trouble
00:02:09| i mean i have been for about 15 years you count school debt so i don't count school yeah that as oh i do problems i guess it begins that way yeah since you've paid trouble you paid that
00:02:25| continuously since you graduated yes we had an episode on debt so the recap is that you went to school for journalism or english correct journalism i'm a journalist
00:02:42| or journalist you didn't do that because that was in decline not really my thing anyway i don't like writing uh i know journalists too and i couldn't
00:02:54| i couldn't ironically enough i think it's all gonna end with me writing some smash hits dumbass sitcom that's based on some dumb things
00:03:03| in the form of a new media that is flooding the internet wave you got it figured out yeah we'll come around to that okay baby so you picked a major that didn't
00:03:18| pay that well and you didn't even do it to begin with but it was fun right college was fun best time early yeah probably
00:03:26| was it worth how much did you pay how much was it i don't know it was like 28 a year and i had to borrow for housing because i didn't have
00:03:34| enough money to live for my house so probably all in all i probably borrowed 32 a year my parents helped me with my first year though so only three years like say
00:03:43| three and a half years times 30. trying to see so like i looked up my i went to see a college a week ago it was uh texas a m and oh you went yeah i was just looking at it yeah it
00:03:57| was actually that's cool thursday that's funny i didn't know you went yeah it's a bleak and drab but would be enjoyable i could see you just find you find the friends that you like and
00:04:07| then whatever it doesn't matter my i'm saying bleak and drab and i came from a school that was like literally shrouded in snow ninety percent of the time uh
00:04:15| but this in-state tuition was like 14k or something ridiculous ridiculously low it out of state was like not bad yeah out of state was like they like double and then i have
00:04:28| co-workers that were making uh i guess their tuition was like 50 or and then i was like wonder what mine like the school i went to was about 50k now so
00:04:44| i looked up university of delaware tuition out of state it's 35 now so it stayed relatively the same so you went for four years yeah i did
00:04:59| so you racked up something like a hundred grand or something about that uh probably 80 probably 85 85 because my parents helped me in my first year they helped me a lot like it was mostly
00:05:08| covered not all the way but mostly and then that stuck with you for 15 years because well i'm still paying it yes more than 15 years i have like three
00:05:20| more years maybe four okay correct okay so what like you're earning do you want to tell your earnings oh i
00:05:31| can i don't care uh most of my jobs have been between which i don't know what that equates to the right outside of i mean when i worked at my parents
00:05:45| right outside of college okay it was actually probably 28.9 or something like that okay did you ask him for how to go asking for
00:05:55| a raise do you ask for i would ask daily if it was my parents would be like hey what you got what do you got in your pockets um they uh they were good they went um i
00:06:04| mean it was like it's an easy job and like they you're done by four and you only work four days a week yeah no pressure or european i'm sorry european
00:06:15| yeah except in inner city philadelphia european the finest of yours yeah but but then i loved it but um also i think they would give us extra
00:06:29| vacation days and then you end up with like 19 of them or something where you just use them randomly and it's my parents like if i needed to
00:06:36| leave somewhere an hour early to pick up my son or something like that they were like yeah it's not because i don't care so you you lived casually for ten correct years uh maybe not ten like
00:06:46| seven or eight yeah okay listen did you have a job because i got out of school a year after you because i had a five year quote of course and then so like but i thought
00:06:58| you switched jobs when i switched jobs um when i first did the colonial i feel like i had a job before i was doing countertops yeah that was three years ago
00:07:08| i feel like there's a job in between somewhere that's weird just check your time because your time frame you lost some time nick that's possible
00:07:23| yeah i think it was 10 years because i stayed in a job that i probably shouldn't have for relaxing people respected you i understand why people get stuck in
00:07:34| that were there four letters to that job yeah nsa plus a yeah good anyway so so your idea so your earnings were flat mostly negative
00:07:52| and during that time frame what like your credit card debt begin there yeah i guess um first big thing i had to purchase was like a thousand bucks uh about a computer for the house
00:08:07| that was this one there's no ios no no no no no this one was later and much more expensive no not much you caught it before the prices got ridiculous
00:08:19| again no well again correct the second wave the um it was like a macbook pro or something for the house and it was like 900 bucks or a thousand
00:08:29| bucks that was disgusting still the box in the goddamn thing anyway um so that i opened up a new credit card for that and
00:08:41| then eventually i had two credit cards and i would always keep them around a couple thousand dollars each in debt because no way i could pay at all and my
00:08:51| student loans and car payments and you're accruing interest from like 23. just trying to paint the picture no no no no oh that's totally fine like i i mean i had the credit cards in college
00:09:05| too so what was your hope what was your you thought i'll just pay it off eventually i'll make a little more eventual oh are you gonna skimp no
00:09:14| no thoughts i probably thought it was no no i just always saw it i'd be in debt for the rest of my life okay no escape i really thought that i thought that's
00:09:24| kind of a working class feel i i don't know like like i'll never be ahead so it kind of doesn't bother me that much is that a weird thing
00:09:34| that is very strange you don't like you can't feel that i think you do not know what that is i don't it would pester you to your death yeah
00:09:42| that the way i work because i would i would sacrifice i could sacrifice myself did you see my numbers i couldn't yeah how much does that can you sell plasma
00:09:53| for blood plasma i'm just going directly to the blood bloodletting what about semen um yours come on come on google uh i have no clue
00:10:12| to 60 per session okay so how many can you do you can only do one every two days can you you can't do like multiples in a day can it
00:10:20| once a week how much it's once a week a month three hundred dollars per month donation whoa oh there you go uh yeah that's not bad that's not bad how many times am i doing
00:10:33| oh for 300 bucks uh what's that a credit card payment i think that's like you're doing it like six times no that's not terrible maybe i have no clue how long
00:10:44| it probably makes you feel like [ __ ] like probably and then like you probably look like a drug user because they probably stabbed needle holes and like yeah your veins
00:10:55| look weird uh is there another way semen uh see well let's see would that be weird to have illegitimate kids running around i don't know
00:11:09| no i don't think so wow 35 and a hundred dollars per specimen you can earn a pop a thousand dollars in a month based on factors like where it is to your age and your health
00:11:22| oh yeah oh [ __ ] you might you got a chance nick and that's my left arm you guys should see what my right arm is going to look like when this is done
00:11:35| get it oh man how about another way can you do both same time i mean this is the business right you create a place that does both we're going to take your plasma and
00:11:46| your semen whatever bodily fluids you got we'll take it fecal donations hot women are going to walk up to you and we're going to extract your plasma your semen and your
00:11:56| poop what are you saying that'll be a thousand dollars but what am i getting out of it sheer joy
00:12:07| oh man oh lord okay so already okay you've accepted this burden of debt and you i guess you never like your head to get rid of it
00:12:18| i kind of wanted to but like i kind of figured it's such an uphill climb that i would have to have i would have to have a mentality where i was super career oriented do i strike you as
00:12:29| an individual who is super career oriented no no not at all interesting interesting you can tell by your group of friends none of them all degenerates
00:12:40| so so here especially all those damns check check this out the uh oh what was in direct relation to that question how did you word that question
00:12:54| oh and then dom came around my son yeah when i was 29 so at that point i just strapped it on my back and said well this is like your family like her
00:13:05| medical bills a lot did they come out of your pocket they were decent but no she did a lot of them however i think i had two medical incidents that cost me like five
00:13:18| thousand bucks each that i didn't have laying around so um that's something else they won't tell you if it's not covered by insurance sure you'll get the bill for it but if
00:13:28| you have to go to emergency care like three times because it looks affected or you got this weird wound and everyone's like please go that visit
00:13:38| is like 150 to 200 bucks and you just put that on your card because you ain't got that hanging around especially if you have a kid you know what i mean
00:13:47| so you you kind of just you slap it on your gas you gotta get the work yeah and i'm not blaming anyone but if you have a girlfriend who likes to do expensive living yeah go to a nicer
00:14:02| restaurant she'll pay for the restaurant you're like that's awesome and then for the next four days she's like i bought dinner the other night that expensive
00:14:10| restaurant can you get groceries can you get this can you get this can you go to the store and pick me up jewel pods can you pick me up this and i'm like okay yeah i mean that makes
00:14:16| sense i mean you spent like here and 20 here but [ __ ] adds up yeah and she'll hold that vacation expensive no vacation
00:14:31| we're not naming names here yeah but let's say you go to an expensive vacation and i didn't put any money towards the house cause i'm broke it better damn well be expected that i'm
00:14:43| gonna pick up three dinners for a whole bunch of people uh ice cream here pizza here the arcade for a little bit
00:14:52| and this like because you know that makes sense it's not nearly the price of the house do arcades take credit i guess they do now credit cards
00:15:00| they do um i just remember flashbacks of me when i was little like having coins and like putting a dollar in you get coins you get points but there's ways to get
00:15:10| it another interesting thing is i used to get free tickets to sporting events with a ex-girlfriend of mine free of
00:15:22| charge i'd get every flyers home game every sixers game every phillies game she could manage to get free tickets and she'd always say
00:15:32| why the hell not they're free yeah but then you guys should see money you gotta pay concessions you gotta park you get a gas to get down there you gotta eat food while you're down there
00:15:42| you're gonna drink booze while you're down there 40 or 50 bucks yeah at least i mean even back then nowadays it's even more nowadays like a hundred bucks for free
00:15:50| parking and chill like that's like 40 bucks to park your car and then for a pretzel and all of a sudden you're like wow that free ticket was wonderful
00:16:01| it's all a trap it is all a trap and i know it is so i'm not against that but i'm also listen i'm still in the prime of my life maybe crest in that hill a little bit
00:16:14| yeah but like why not enjoy the [ __ ] out of the stuff now pay for it i mean because am i going to cash in when i'm 50 and i say finally
00:16:23| i'm going to enjoy those wonderful flyers games like no one will be [ __ ] around to go to flyers games and get wasted and hammered with me and
00:16:32| do [ __ ] ridiculous [ __ ] like i don't know it's possible there's probably a crew of dudes who are in their 50s yeah who are like die hard flyers guys
00:16:41| they go to the flyers games they get [ __ ] hammered they do crazy [ __ ] they break into the back room and they get pictures with carter hart when he when he was half dressed in his jock strap
00:16:51| and then they run from security and they're high-fiving i doubt it but yeah that's possible do you know what i mean yeah and they're probably in jail
00:16:59| whereas a younger person is probably just in the fake jail the temporary deal yeah been to that jail that was youthful at times so
00:17:10| yes so i mean that's that's kind of how i look at it and you balanced your enjoyment of youth with the expense that but i'm not youthful anymore yeah
00:17:22| but have you maintained that lifestyle has that drifted away have you have you curtailed any of your expenses of course i don't even go to free games anymore i try and avoid free
00:17:31| free anything um i would say to curtail any expenses i've stopped buying clothes i don't i haven't bought new underwear shoes socks my sneakers are falling
00:17:42| apart it's like weird like i feel like when i go to work i'm wearing clothes i just stop buying clothes like i haven't bought clothes in like eight
00:17:50| years and it's like some people will buy me clothes so i look almost modern but then like people were like 24 and 26 that still care about
00:17:59| that [ __ ] like get dressed and they talk about each other's shoes and i just hope no one sees my shoes i'm like oh no no not like because i'm a
00:18:07| poor person with like holes in them oh i didn't because i wearing the same shirt and the podcast nick i didn't realize you're
00:18:15| a poor person sorry you're so who doesn't my shoes just i guess that's not a common christmas gift like if you're really poor and you like people don't really give
00:18:26| shoes unless you need shoes right have you ever gotten i don't think i've gotten shoes as a gift uh my last pair of shoes may have been a gift or at least
00:18:39| the purchase of them i asked for money for um like north wales they don't give it to you guys like that's different when you negotiate
00:18:48| someone hands you shoes and says you need these that's bad you gotta reevaluate where you are but i mean i don't buy jeans i haven't bought a coat god knows how
00:18:56| long socks fun to work so me i've had jobs that pay like i started at 20 22 making like 60 and it's just been increasing ever since
00:19:11| you beat me yeah that's financially beat you um the one thing is that i also don't buy you with one year of a sitcom wait you wait
00:19:22| did you say i also don't buy clothes i so when we started this podcast i was like all right let me try like buy some shirts and like i'll do it in bulk wait
00:19:33| wait when we started this yeah i may have bought like 12 shirts online yeah and it cost me like 80 bucks and i was like jesus christ maybe the last batch of shirts i bought
00:19:44| yeah i did the same thing i do it in phases so like there's a phase where i'm like probably like when i was like 20 like 10 years ago
00:19:54| there's a phase where like i'm going to be spiffy like at work i'm going to look for like fly spiffy said that right yeah so well i'm trying to make it dated
00:20:04| so like i i got a bunch of dress shirts and like ties and [ __ ] and like nice slacks and like i i look good yeah okay so like i i look pretty good i
00:20:15| like shoes i buy a lot of shoes but your shoe guy okay i wouldn't have pegged you for a shoe guy no shoes i probably have like 30 pairs of shoes to be honest
00:20:24| okay whatever i'm not i don't want it's embarrassing there's a point where it's just embarrassing but they last forever so i could wear those how many different color shoes can you
00:20:33| have infinitely many but actually the point is that like i there's also shirts like i have my shirt from when i graduated grade school in i still have it you got that yeah i uh i
00:20:48| just saw my grade school um graduation class shirt it's upstairs i don't wear it anymore it's oversized and weird and had all our signatures on the back
00:20:55| that's exactly what i had wait yours was the same thing yeah i wear it like everyone was asleep i don't wear mine but it was white and it had on the back
00:21:04| all the the classmates signatures on the back and their actual signatures choreographed onto it and in the front said like our graduating class class of i bet all of the schools in the region
00:21:14| did that they probably bought them from the same this fabric is super soft no i don't know dan is it a gildan yeah i thought it was jill dan to make
00:21:22| it i have no idea maybe you're making it sound fancy so anyway anyway the the new clothes and stuff i'm there was a point where i was doing that
00:21:35| but then i just stopped like no one gives a [ __ ] it's a fashion yeah like to keep up with fashion you're spending money that's kind of wasted money like it's not
00:21:44| it's not a need the clothing it's the clothes change i wish that i had the tick tock leggings on right now to be like do you never saw the ones the
00:21:54| anti-cellulite ones that give you a perfect butt and they love i know what you're talking about but i've also seen a woman who put them on and it did
00:22:01| not help her at all it looked like it looked like the flattest ass and she's like i don't think these work that great and she's like for the record i had a flat ass before
00:22:10| this and i was like she signed an affidavit the company is suing her actually for not having a beautiful ass once you put on their leggings
00:22:23| it's a falsehood unbelievable cannot be true so i don't know there's pieces that i just like i let go that i don't care about and i
00:22:33| never thought that you were like i knew you were in debt but never thought like you'd be in it i don't share that with everyone do you know what i mean yeah but i never thought
00:22:42| that you were in inescapable debt i always thought you had it and it was gonna like hover and like maybe float it would drift a little bit
00:22:52| but it's gonna stay around about the same in 10 years it will be gone so how much debt do you have right now uh 22 k in credit cards
00:23:06| okay it's like 10 and change and 10 and change uh i'm going to be paid off that car real soon dippy kaye okay i'm still down to
00:23:17| three years of student loans with i don't know what that breaks down to uh it's probably in the 10k range i like just i just like that number i'm not 100 sure on that i haven't done the
00:23:29| math from school once yeah how often do you actually like log in to look at this stuff do you hate like logging into your bank account it's automatic it just comes out every month
00:23:38| i don't do it wait do you when's the last time you actually like looked at any of that stuff it's like balloon stuff yeah uh six or
00:23:44| seven months ago when i did i was probably doing my taxes or something like that and i was checking out my e whatever the [ __ ] it is for
00:23:50| borrowed interest it's like when i check my mortgage and i go oh good thing i'm still paying that because yeah i thought it was it right away but you keep paying it yeah
00:24:00| yeah and uh amazon card is down to a yeah but you got that first 50 bucks right right amazon yeah you get 50 bucks off when you get an amazon card
00:24:15| oh maybe you do but do you know what amazon subscription is anymore it used to be like amazon prime oh yeah it's getting higher now
00:24:27| yeah oh it's been getting higher every year but um oh i didn't even think of that dude pay for netflix and [ __ ] mm-hmm that's like 12 bucks a month
00:24:38| honey hmm okay let's go to the hard number anyways we're hitting hard you have i told you i forgot yeah let me see it
00:24:48| i'll share screen with you do i have to go to this side i don't yeah hold on a second here yeah there oh there we go and you have numbers here these are your
00:24:58| numbers i'm going to lose part of this as soon as i do this and this is for anyone who's like not rich
00:25:06| and maybe has a lot of expenses like myself so like i think median out household income is something like 50 or 60k so like if you were a single person
00:25:20| i assume that most people are around this number so you're the average joe or average joe look at that look at you so you're making like 40 a year this is
00:25:32| going to be that tell me the actual that's what it is actual is probably going to be closer to 41 and change because i'm making commission
00:25:41| i'm gonna up that by one forty one okay i'm also gonna leave it in their mind so you don't have 401k i do well you do we
00:25:51| win this year do you contribute to it yeah you do yeah you have a percentage that you put in yeah i want to say it's like uh one to
00:26:02| two percent and they match it or they match up to four but i don't think i did the full four wow yeah dude look at me i'm saving
00:26:10| growing up all right let me get that negative there oh there you go making sure it matches uh okay so you got a thousand bucks a year
00:26:17| and four okay i didn't tell you what my health insurance was oh yeah i have no clue um is that like 1 30 of pay period
00:26:27| uh that's 120 so i i didn't detail this for people who are might be watching is that this is in i understand thousands per year
00:26:38| so uh if you can do the math on that it's uh something else other than what's shown what um hold on did you figure out if i'm paying health insurance it's
00:26:52| probably like per year uh how much do you pay per week or pay you pay by bi-weekly it's bi-weekly and i think it's like 120 to terrible but it's i mean it's still
00:27:07| money so it's probably month okay so it's much higher than i thought so 250 sure it's 3k a year and then put this over here that's where
00:27:23| that number comes from okay okay so your benefits are 3k here that's going to be tough on you down the line let's just keep going um you don't have to throw it yeah you
00:27:32| don't have any of these this is i have an hsa but i've never used it what does it do uh so if you contribute to the hsa it comes off of your oh it's not
00:27:41| no no i do not okay it would actually be beneficial as it's like uh really it's tax exempt like i can throw money at it and it won't be taxed yeah and you can put it in like it's
00:27:54| it's like free money in the end oh so don't have to spend it on medical things though there are loopholes when you like get to end of age when the podcast ends let's
00:28:06| talk about loopholes yeah um this i what's that uh these are just taxes so it's right off the top payroll taxes so what do they take out they take out
00:28:15| um like seven point something percent seven point yeah it's close to ten percent so it's probably closer to eight in my case but anyway i don't care yeah
00:28:24| that's everyone gets taxed that up to a certain amount oh oh it's not okay you have state and fed can you see the numbers and stuff i'll just
00:28:32| make sure that yeah okay i can see the numbers so like 3k uh so adjusted uh gross income is like 34 and that's what you get taxed on
00:28:46| so this whole thing there's more here that uh in my situation i fill this out but in your situation since you're a single filer
00:28:55| your federal taxes are like point three thousand a year so thirty two hundred a year okay that gets deducted out um bubba bus get past that's calculation so
00:29:07| your take home is thirty that's a decent amount of money not really yeah let's jump over to your expenses okay so child care i assume there's like
00:29:22| incidentals where you're like taking care of dom sure paying 50 bucks a month that's that's yeah that's listen it's probably more than that but let's
00:29:33| keep it at 50 because then if somebody complains and says i pay for all this stuff what do you do i'll say i pay at least house
00:29:41| is seven three seven hundred thirty bucks a month ish yeah it ranges between seven ten and seven fifty okay so i'll take that it's
00:29:49| with oil and then food i put uh about interesting you put a high number there you think well if you're paying my thought was that hundreds a lot
00:30:00| well i want to say it's been 150 a week grocery store okay between 150 and 200 okay so you went on the higher end and why did you oh and you're adding in like lunches
00:30:11| you're adding in like random things okay dinners oh yes okay if you eat out sure i don't eat out anymore no yeah it's tough really
00:30:26| that's perv okay food okay medical and then we're just going through the expenses here utilities you don't pay for any
00:30:40| utilities right correct yes don't pay for the electric or the cable gas water electric although if you want to get into netflix and like hulu and one of the other
00:30:49| things i forget which one is mine but anyway okay you have that over there let's add a uh subscription and then you pay for uh just say 25 bucks a month
00:31:05| yeah it's not a lot i mean it's like hulu netflix and youtube music it's probably 25 okay just adding it in there
00:31:15| and then you pay your own phone 50 bucks a month my parents have let me slide i i'm on a phone with them and i give them 50 a month
00:31:24| sometimes it was 55 lately it's been like because i think they feel bad for me so let's just say it's 50. i'll just say it's 50.
00:31:34| car payment which is about to end 380 a month is like two grand a year ish it's about no it's it's closer to two six months yeah so that's
00:31:52| only 13. you don't have any collision no i don't think so oh what's that 6.50 yeah i think it's like 6.50 every half year okay so 1300 here we just drop that one
00:32:06| drop that up a little bit pick it up and then gas 50 bucks a week no only at like 35 40 a week okay imagine that because i can work from home two days
00:32:16| so there you go okay um and then this is where it gets brutal okay credit card interest interest yeah what about the payment um i'm
00:32:32| assuming that you are not gaining on credit card interest because of the next sheet which i'll show you no but it was 350 each
00:32:46| yeah what a month yeah that's the minimum payment holy [ __ ] oh wait no you're you're including the payment for non-entry yeah i'm including the payment
00:32:56| yes sorry okay i'm going to assume you don't even know how much interest you're paying you have no clue no christ nick come on now
00:33:10| well you have 22k in credit card debt do you know your interest rate 24 point something uh let me quick ignore your door uh one second
00:33:29| yeah you have four hundred dollars ish so that's higher that is brutal that's not bad that's brutal you say did i say 400 something i said
00:33:47| let's drop it four even you said 400 even okay let's not let's just keep it at 22. i love that you're so proficient in excel spreadsheets about
00:33:58| money someone else's money too of course save that i mean um and then student loans 480 a month [Music]
00:34:09| okay uh yeah okay because i think it was 388 plus like 150 something you know it's a little higher but yeah it varies now and covid has changed
00:34:19| things yeah this is tedious and boring for certain people we're just walking through it some people are like oh yeah yeah but i do yeah but there's
00:34:28| an epiphany coming here alcohol there is leave a hundred bucks a month maybe it sounds high but then i'm like what if i add in beer because people come over
00:34:41| um what if i want to treat myself to a weird alcohol yeah we'll say 100. it would it would have dropped to 90. just i mean it's not dropping that much 90. okay
00:34:56| travel if you even do you pay or try i guess it evens out you said you have to pay for other kids i mean that's for vacations no one knows let's not get into that
00:35:09| that's a weird number that could spike to 390 in one night or zero dollars for four months okay and then miscellaneous for
00:35:20| random crap that you have no clue and then hospital bills whatever sure okay so your total number that's 45 000 a year out of what we just watched
00:35:33| it makes total sense yeah a month you're paying about 3 700 and then every week it's like 800 and something does that seem ridiculous that like
00:35:45| you're not like in in perspective of the way you live right it's not outrageous that's just baseline my life isn't solvent correct i've been spending more
00:35:59| than i make for like 15 years roughly so here's the kicker i have impeccable credit i'm sure in the past six months it's
00:36:11| taken a bit of a hit but that impeccable credit has allowed me to borrow more and more and more yeah i bet you didn't factor that in
00:36:20| i did in the later phases okay this master plan i have i have cooking i hope i hope it absolves me hold that so what's crazy is that like okay i'll
00:36:32| go down here where it says remove debts um let me bold it and bold it so other people can see it expenses stop paying for my kid no uh oh okay you're saying yeah so i guess
00:36:44| most people they're gonna have a car payment but you won't soon right sure and then if you stop paying for student loans because your interest rate
00:36:53| on that is actually fairly low okay and then say you rolled over your credit card into something that was zero percent apr right that's impossible but let's go
00:37:03| yeah um i would say this is like maybe the best case scenario for anyone in the united states actually if they have maybe a little less than that but about 30k
00:37:14| a year you might be able to like room up with people and like shave off some of your food um but overall right yeah maybe your rent could go down maybe if you go down
00:37:27| maybe you carpool or something sad like that um no sad dude i just feel like it's sad like if you're if you're
00:37:38| what if you need your own car like you like you're gonna need your own car in america in america it's sad in european countries no a lot of metro
00:37:46| yeah or if you're in a city if you're in a city you can get around but if you're a suburbanite you're screwed yeah oh yeah you're password and i've been a spermonite so from my
00:37:54| perspective it's sad there i understand that perspective but the crazy thing is that like okay what minimum wage is what seven something so like
00:38:03| yeah and they're arguing for 15 an hour which is still less than i make yeah if it was 15 an hour it'd be 30k a year so like one person with these expenses
00:38:12| could barely make it on 15 an hour which is absurd which is absurd so there's so hold on my my theory when you wanted to do this kind of podcast is that a lot of people
00:38:24| are going to either be in my situation or already are and aren't talking about it is that a weird thing no that's exactly what so my my take on
00:38:33| this is like i see the numbers of like a household makes like 50 to 60k a year and i'm thinking like well that's like me alone makes that way more than that
00:38:43| and then it's like i like even i like i'm not struggling but at a certain point between like 23 and 25. like you're like damn i didn't think of that
00:38:53| damn i got to spend money on this damn am i going to fix this it's the realization once you have kids that like it's inevitable that you have to spend like 20k more than you
00:39:01| ever thought and then you're like well [ __ ] like this job doesn't make sense i have to get out of this job at least that's what i thought and when
00:39:11| i look at the numbers that are like like four people i just think like there's no way i could have done that when i had my spreadsheets at 23 i was making like an extra thousand
00:39:24| dollars of like cash a year and that was my buffer so like if i had a good year like i was positive because i was paying for everything and my wife didn't have a
00:39:34| job i was paying for a house a car all the stuff that like it's expensive yeah yeah we detailed all that stuff
00:39:42| [ __ ] expensive so at twenty three your cable bill gets [ __ ] ridiculous or that no one that planned on having the netflix bill every month or no one
00:39:51| planned on cut yeah it's one of those things that you like checking comcast at 23 you see that they charged you an extra three dollars every month for the past
00:40:01| what are they doing like why why are they taking an extra 36 dollars from me now and why did they do it sneakily like so i wouldn't notice maybe bastards freaking bastards but a lot of things
00:40:12| are like that netflix netflix amazon prime oh sneak an extra of course so i hate subscription stuff like all this software stuff is all subscription and
00:40:24| like slowly they just like change their price well the number even a tiny bit twice email that you ignore excel from uh 10 years
00:40:33| ago i own but it doesn't make sense like there are probably you know probably quarter of america is doing what you're doing it's where
00:40:46| they don't make enough towards it they have to yeah they have to spend it and like you could live like as cheaply as possible
00:40:55| and like i don't think that it would make sense i don't think you'd make it out of it maybe not so like i always thought that like in the beginning i thought the 50
00:41:04| or 60k was like an accurate number i like i like i don't know how we could continuously have people
00:41:11| that are like doing this awful like either i thought it was like fake or like maybe people aren't reporting it or maybe they take like wages like the tips and they just like hide it and like
00:41:21| that's how they make it up so that'll feed in the end my conclusion this is like this is a presentation yeah yeah i'm good at this um so yeah so i've removed your debts so
00:41:36| i put you down to 30k so the problem here is that even if you were freaking cheap as hell and didn't pay off your student loans your difference
00:41:45| is like 2k a year well i could um buy a pair of yeezys a new computer and like go on vacation once a year no no you can't do that okay just the vacation just
00:42:00| just some of the vacation yeah well the vacation's already factored in there so oh did you oh okay yeah but you don't have any clothes oh so that's kind of that um family and
00:42:11| friends buying steam games for my kid like he uses these are real cheap and they don't uh they don't show under five bucks yeah i round down
00:42:19| to the the tenth significant digit so you gotta keep it below that in a year okay but so this is how the the whole reason i'm doing this starting to get like
00:42:30| your financial picture because like sometimes there's something that stands out but there's really nothing here that you can't you can't really save that much
00:42:40| this is the problem uh that's true i haven't been able to save much and then so this is the factor that i do have a savings account who for people who may feel sorry for me or
00:42:52| think i'm a piece of [ __ ] currently i have 398 dollars inside of it keep that safe good yeah keep it tight a nice wad
00:43:06| when they come for you sneak it so i can't find it what do they do when you go to prison and you have money in your [ __ ] do they keep it or do
00:43:17| they put it in a lock box do they they probably don't clean that box you get it back you get it back at the end of your sentence no they'll clean it but only
00:43:27| with like the the bargain bin cleaning supplies will be covered in line the really cheap stuff yeah it's like mr bleen and it's like mr clean but he has
00:43:35| hair and you're like oh this guy cleaned it lemony fresh okay so this is the bad news and this is the part where
00:43:44| when he told me how much debt you had i was like there's there's an event horizon for like getting out of that and you're way past it
00:43:56| for what you're making now actually doesn't bother me yeah it's it's all right it's okay um it's not it's not okay you're in trouble nick
00:44:07| and this is why i know this is why i care hold on do you also want to hear this theory i think people are just going to stop
00:44:15| paying back creditors after so we're coming at the end of covet here and some of these stimulus plans like cover for like
00:44:25| uh no evictions or no foreclosures i feel like there's a good segment of the country that's just gonna be like i'm done and there's gonna be riots and there's going to be people not paying
00:44:36| anything they'll be evicted they'll be on the streets i've even noticed around like my suburban area has like now i'm like i know that homeless person
00:44:45| like they're like they've been there for like months now like i know like a couple of them that have like around my grocery store and like
00:44:52| i'm like this is not normal but like these people they seem like they're functional they're not it's not like they're need mental help or anything like they're
00:45:00| just like this is what i gotta do so that's like that's why they're there that's not your future nick i can let you do it
00:45:09| uh if if it's me and 10 million people i think we all just say we're not doing it no i'm just saying that's what you're banking on
00:45:19| if that i have to i guess you have to well you don't have to i have solutions okay well then what's the alternative can you bring the alternative sounds much better all right
00:45:27| so i graphed out how much you'd have on your credit card in the next 15 years if you took that if you didn't pay your student loans if
00:45:37| you finished your car payment and then what was the other one that was expensive uh often your child no it was the other one
00:45:45| it was a credit card interest which doesn't really you can only delay that so if you cut out those payments and had two grand extra a year and put it towards your
00:45:54| credit card you would still in 15 years oh more than three hundred thousand dollars on your credit card well then guess what this is real easy
00:46:06| just not pay it i you you seriously would have to consider bankruptcy at that point if you're that high what do you do for that yeah i think you lose the ability
00:46:18| to have credit cards and then you also couldn't really rent and then also certain jobs like look at your credit history and they say you're not worthy
00:46:26| wait did you already have a job though if you were to lose your job ah okay which i think the whole the whole scheme is to make you beholden to a job
00:46:38| what about ranchers they checking your credit so like i know i'm already in a place yeah but if you were to lose that new place okay so this is all about
00:46:47| new stuff the scary the scariest part about this is that if all of that failed like it would end up so that you'd have to live it like some
00:46:55| really shitty motel and it would cost you more money it'd be like a 30 night hotel you ever think about that oh no no no i would i would find a different way but
00:47:09| this is a thing like some people even if i could like some people couldn't yeah i think the bubbles gonna burst i think so too and that's also it's also
00:47:21| my hope that makes sense i don't have it yeah but i i feel like the powers that be will just be like we're going to enslave these people make
00:47:31| them wage slaves and and just doesn't isn't there a point where wage slaveness kinda overcomes to angry mob this is uh
00:47:44| late stage capitalism yeah late stage capitalism baby so what i did hear in this graph is that if you were able to get a different credit card with a different rate
00:47:56| this is the different graph so like it was good like this one not terrible you know if you were able to get the rate down to 10 your your interest is not terrible like
00:48:07| you could maybe manage it for a time but it'd still be greater than it's like right now you're 24 uh percent interest if you were like i say uh i'm trying to make it so it's
00:48:21| balanced so like say you're five percent interest like you would still increase you would still be increasing of course oh
00:48:30| with each payment yeah and i don't think that's such well i did that i did that with my student loans already so right what do you mean you i mean when you're paying off your student
00:48:42| loans your student loan gets larger for the first like three to five years or at least mine did i feel like you don't pay off enough no no no because it if
00:48:53| i feel like it wasn't fixed interest early than one it was closer to eight percent or something like that some of them were 10 oh you have a variety of loans then yeah
00:49:02| yeah and they're all pulled together it's like a perkins loan you know this loan and it's effort loans yes correct and then they're some were variable rate from or fixed
00:49:10| something like that but like so it's weird so like some of your loans you can pay off for like 14 months straight and now you still owe more than you originally
00:49:18| borrowed and you're like that sucks but it's the interest yeah but i mean that happens with anything but it's just funny you're saying even at five percent so
00:49:30| i guess the there's a piece here that like how much do you think you have to pay off per year for you to be like level further your current setup
00:49:39| for 24 percent for 24 24 hours really think you'd have to do you probably have to do the whole wheel of fortune win 28 000 and put 24 of it right
00:49:50| towards the debt and then from there before you kind of ride on to play with and do whatever and i think you're good that's not a joke i really have
00:49:59| thought about that when i watch wheel of fortune you're like i'm like banking on that's the number and i'm like if that's me guess what i'm doing folks
00:50:07| i'm debt free so if you it hasn't happened yet we can see that if um if you made an extra 8k a year actually no if you made an extra yeah
00:50:21| i'll just add it say you're paying off 10k a year it goes down immediately oh dude holy [ __ ] yeah that's insane it goes to nothing and you're safe so
00:50:34| the number to keep it flat is probably like what 6k or something oh no it's actually if you know it's five that's right five let's see you're
00:50:41| gone i'm guessing it's about yeah yeah it's five it's in that the one yeah so the lower interest rates go like after a couple years oh that's
00:50:50| weird yeah that is yeah what's with your the one interest rate option c got [ __ ] up right there a little bit between seven and oh because i guess you can't pay it off at once or something i
00:51:00| don't know anyway yeah um that's weird yeah i get um so i just gotta add 10k to my yearly uh supplementary income and not and also
00:51:13| not start buying shirts and underwear and [ __ ] yeah well your budget well the problem is that uh oh that was with my debt removed that's with
00:51:22| a debt removed i get it i got a lot to work on so remove all my debt make 10k extra a month in spending money right
00:51:33| it's actually your cash right now after your expenses if you remove your car payment because that's disappearing you have like 9k that you
00:51:42| need to make up to break even okay so yeah so in order to to overcome and get this curve at which is really this is still bad because this is the curve you're on
00:51:55| that's true you'd have to do 9k plus 5 so you have to make an extra 14k a year manageable so this is my suggestion let's hear it and there's multiple layers to this is that
00:52:10| a you switch to a credit card that has a balance transfer that allows you to do zero percent apr for a year for a year for year or 18 months
00:52:20| it should be the year that i get the new job that's worth 8k more but that's yeah um when you do that you probably want to take out a personal loan to try to knock
00:52:29| it out you could try to do it before i don't know how much you can get a i mean you've got credit so you can get a personal loan personal loans can be like
00:52:38| so depending on what you're doing you should probably like get that zero percent hope that you actually pay off most of it and then get the personal
00:52:46| loan yeah get the personal loan knock out whatever's remaining don't get the hit for when the special introductory rate ends
00:52:55| um it's the idea if you can't get a personal loan to cover that difference i would be able to get money to cover that difference i have enough relatives with money that they would
00:53:05| absolutely help me out exactly so i would set up like a loan agreement with them for a lower percentage depend i mean they might be nice and
00:53:13| just like give it to you or like be like whatever wink wink not done i'll pay it back yeah anyway go okay blood semen and uh plasma plasma give it up give it all
00:53:26| that was the blood okay plasma um so you could do that what i think after like mulling on this because like i had like all weekend to think about it
00:53:36| thank you i think you should become a bartender i actually that's really where did you say that yeah i'm just saying that i um would be a
00:53:46| perfect bartender yeah well i think you have time for second job good listen wait oh as a second job that's the site well the thing is bartenders probably
00:53:55| make about 30 bucks an hour is my estimation that's actually a good estimation yeah and that's that's cash wink wink wink wink yeah i understand so
00:54:06| if you made uh 60k you would have cash after expenses after the car that would give you 6k so you'd have enough to pay off your
00:54:18| debts at that rate you would avoid these changes yeah no lifestyle changes except for now you're a night owl and it would be interesting since you have
00:54:30| um a non-cooperative female i would say partner okay okay okay keep going i'm sorry so when you said relatives i assume that
00:54:43| maybe you can negotiate with your uh non-cooperative female partner to maybe help you out but i don't know that she would uh i got a 50 50 shot on that yeah and a
00:54:53| lot but your your trump card i said that name uh my card yeah the card that's up your sleeve um
00:55:04| is you say i can't pay off my debt so i'm going to go further into debt and there's no way out of it i need to pick a second job i want to be
00:55:12| a bartender at night and then what what what is she going to say to say like no you can't like yeah well i need to make money
00:55:22| and then she'd be like but she's going to be hey everything yeah this this is the power move is that she's going to see you as a bartender
00:55:32| socializing and all of these i guess cougar women will come out of the woodwork it doesn't matter if they're if whatever kind of woman comes out of the woodwork
00:55:44| people will be actively talking to you probably as a bartender i don't know but that they are enamored and she will be so jealous that she'd be like
00:55:57| i need to pay off his debts that's the biggest stretch you've made with any effect of information from the house okay that sounds more like a direction
00:56:09| anyway yeah it's interesting so i guess it boils down to you probably need i mean so i did this when i started out was that like okay i need to save as
00:56:19| much money i need to eat like water and bread and like not like not like spend on going out to eat but [ __ ] that like you need
00:56:27| as many jobs as possible like you need to increase the amount that you're making boost your income so that you don't fall into this pit of like
00:56:37| like what's now average american really which i think is why most why they report american families as making 60k is that you can have 60k and not go into debt
00:56:52| with one person but yeah i'm not getting into that but yeah yeah interesting well i'll be a bartender but uh what kind of tic-tacs are we gonna make to make us
00:57:04| money here i don't know so i was watching this so i don't know there's multiple things that like i didn't expect to like tick tock and now tic tocs like taking me in
00:57:13| all these different areas all you do is show me tick tocks now yeah every time i get a text from you it's a tick tock and i'm like jesus christ you're the tick-tocker
00:57:22| well could you take down my could you take down my debt chart no sorry show your face no it's fine just stop sharing with you and then um oh where are you okay
00:57:33| may take go swap there okay that's fair so the we'll switch gears here it's like making money via tick tock i see all these people that are promoting merchandise and there's like
00:57:44| really shitty tick tocks and like women that dance like this yeah do they do that it's like just hand moves only they don't move their feet and it's just like
00:57:54| like i know you're doing it because like you have likes and followers because you're attractive and that looks like on the side they're like shaking their butt
00:58:06| and like they might not know that that's like they're just attracting men to be like like they they know they must know that but i don't know about the younger women
00:58:15| that are on there i think tick tock change their algorithm to like avoid them no even they know that what kind of men they attract or whatever above
00:58:24| but that's not what i hope i was debating like i saw the horror one i also saw the one with what you saw me did i show you the one with the i showed you one today there's one of
00:58:34| like the woman that like had that mirror that she moved and there was no that was literally in the it was on the news today or yeah
00:58:42| it was yeah and i was like you saw it on the news i saw a tick tock yeah yeah you saw them take like days ago the news just came out with it yesterday well that's what's happening
00:58:51| is like reddit is getting like half the videos from tick tock now because tick tocks have taken over well because it's it's very quick it's very
00:58:59| young quick hit so yeah anywhere young people are it's a speed movement communication it's also destroyed my ability to read anything i'm like this isn't in a video
00:59:10| like news our articles what am i i'm not going to read this so keep going you're a tech talker i don't care i like i've made six
00:59:18| tick tocks you probably can't find them but that one woman's video of like going oh and she goes through the mirror yeah and then finds an open apartment that's like why
00:59:27| is this here why is this behind my bathroom mirror why isn't it being rented or anything that's like real estate that's just sitting there and is
00:59:34| possibly haunted possibly a homeless man is living in there possibly people are doing [ __ ] in there like that's that is kind of wild yeah and then your bathroom
00:59:42| it used to be that you'd like find that i guess you kind of find that stuff on twitter but not real it wasn't in the same format of like this next episode there's like swipe
00:59:51| there's no format for that like um so i worked in old abandoned buildings in uh like in germantown and um we would i would go into abandoned
01:00:03| spaces sometimes not often and when i did you could find stuff that hasn't been touched for 30 years which sounds not similar but is
01:00:13| and i didn't have my video camera open following it but you'd be really scared to go into the next room and find like dishes and dinnerware set up that was
01:00:24| left 28 years ago and never touched after that and there's a [ __ ] scary weird thing that now with tick-tock you can [ __ ] record it and upload it
01:00:34| perfectly like almost the emotions the feeling the the fear all that stuff whereas back then i could take pictures of it with a freaking camera phone but it's not the
01:00:44| same your video account no yeah no not at all yeah he's carrying a camcorder and now with tick-tock it's even quicker so
01:00:54| you're really able to live discovering uh yeah and unknown there's an [ __ ] yeah there's an aspect to this that like i looked at pictures from 10 years ago and i was like oh god
01:01:04| and i realized that at a certain point cameras then changed so that they actually could capture the world like it is like you got retina display you're
01:01:14| saying that but in 10 years they're gonna do even more and they're gonna like oh god you're gonna be like damn it's like i'm [ __ ] there that's nuts but yeah now that you can you know
01:01:25| record with your your cell phone and walk through wherever haunted building it makes it so that there's a medium there for everybody and there's naturally 90 of the garbage
01:01:36| out there is useless but then there's like the one or two stories that are like either they're really well crafted or they're genuine or there's some piece of
01:01:44| it that like oh like oh my god like i tried to uh comfy a steak uh the other day because i saw it on tick-tock comfy a steak is putting it in
01:01:52| oil and cooking it to a certain temperature and then you pull it out and you you pan fry it afterwards to make it crispy and
01:02:00| it wasn't that great but i could see if you had a really good steak you could probably cook it like that it would still like taste pretty damn good interesting
01:02:09| but that's what tick-tock does is that it gives you a little window into somebody doing something crazy or just like interesting it's bite-sized enough where if you didn't enjoy it you
01:02:20| can go to the next one skip yeah you immediately say i don't care let's go the downside and i will say this because maybe you weren't going to bring it up
01:02:27| if you were is that you don't what is this called um survivorship bias you don't remember the times you saw a non-interesting one and skipped it went to the next
01:02:38| you'll only remember the ones where you're like damn that was kind of cool it was only 30 seconds i gotta share this with someone and you'll share and you're like this is a perfect medium
01:02:47| you won't remember 30 times you clicked left or skipped because like 10 15 minutes at work you're pooping you know what i mean like you didn't
01:02:57| really you didn't really it wasn't a big deal but it also isn't a great percentage necessarily i'm not saying it is or isn't i'm just
01:03:05| saying you wouldn't remember yeah there's also an there's an effect of it that like i probably looked at like and then
01:03:15| right the algorithm that tick tock uses there's something with it that it knows like it starts to figure out like how long you watch certain videos for and then that
01:03:23| tabulates into like some category and then your categories add up and it starts feeding you like not only that category but the the ones like that are in that same scenario you
01:03:32| sent me you sent me the one that was a horror spin off of probably the lady finding the stuff behind her mirror was someone who made a fictional one
01:03:41| correct we're going to assume that's fictional jesus christ i hope it's fiction i hope so so that that really intrigued me because like that's the sort of stuff that i
01:03:48| really like and it's weird that like i don't like that two-day you know like the ice cream two days ago i was i was alone in my room in the dark my son was putting me in jail
01:03:57| and i was like let me see what dan sent me and i literally opened your video and it was this lady and i was like i think this is the one where the lady finds the stuff
01:04:04| behind her mirror and it was like i think i'm hearing voices over here and it was like her with the glass and i was like okay where's the joke coming dan better be telling me a good
01:04:12| joke here and then there was like weird voices and then she opened her ventilation shift and it was her listening up and there's his voices happening like this
01:04:19| conversation like a far away tv conversation and that like she just her next clip was this is what i found in my room later that night don't be eavesdropping written in
01:04:30| crochet on her pillows which takes a long time to do you can't just crochet in five seconds so that's even scarier someone had that pre-crocheted or
01:04:39| instagram shade on her pillows and they knew she was listening and i was literally like oh [ __ ] no no this is the uh and i was alone in my room and my son
01:04:49| was like are you going to come out and play that and i was like i don't want to play nothing dude that's awesome i wish this would make bad timing
01:04:57| that makes me want to do it like because i i think i could craft this so like the ones that stand out are the ones that are well crafted that you don't really buy into it there
01:05:06| was a i saw this and it frustrated me to no end there's a woman making quesadillas using like some authentic recipe and then she like
01:05:14| dipped it in the sauce and then she fried it back on the pan and i was like that it looks so good i'm like it's this looks so genuine
01:05:22| and then she takes out the quesadilla and she goes now i dry it on my bounty paper towels and she i'm like no and then she just has these like bounty paper towels behind her and
01:05:32| like a row and i'm just like god damn it product placement tick-tock it's happening like this is the way advertising is going faster you can't blame advertisers
01:05:44| either but also we can yeah but yeah i think that if i had created a narrative that wasn't product place or maybe it could be product placement maybe it's
01:05:55| a horror story that's like oh no he's coming after me and i use my dewalt screwdriver to get like stab him in the eye and like i talked i talked with my other friend about this
01:06:07| my other dan friend about this what about anti like uh advertisements like you know no publicity is bad publicity what if we gave
01:06:17| bad pub to certain items and certain brands until and we had millions of followers until they they paid us to stop is that called
01:06:27| extortion and then they permanently permanently pass forever yeah well just like what if it was and we're like oh yeah the one thing you don't want to use if you're being assaulted women
01:06:37| bounty paper towels i think we did like a scenario throwing your favorite rails at them and bounty won't stop them like every other paper towel was great
01:06:46| but bounty hmm let me tell you guys our test scores if i loved my daughters or my wife i would never buy paddy and just like anti ads
01:06:58| like oh you guys don't use tide pods hitler did like you know what i mean just like being like over the top just bad stuff about a company until they paid you to stop
01:07:09| here's here's 400 just please stop talking about our product i think we could actually do this and actually make some money on it and also it'd be super creative and
01:07:20| interesting we we have to be popular first i don't think you have to i don't think you have to with tick-tock i think it's just like anti-ads just do anti-ads
01:07:30| yeah i need to make at least 6k a year in bonuses that's what we're gonna do after you bartend and i am gonna get in so much trouble
01:07:41| for bartending you i can't wait for it it's gonna be fantastic i'm gonna be so good at it i'll do it with my shirt off who the hell cares
01:07:50| oh powdered toast man these rubber noodles just bending over to fart before i take off and serve a drink and then go to the
01:08:01| donation spot for plastic so to wrap this episode up because i was very quiet like there's a lot of people who might be like me maybe you got a family maybe you're a
01:08:10| man you're like suffering you like being quiet and just being like i'll deal with i'll deal with it i'll deal with it and then eventually you have like 400 million dollars
01:08:18| you can't deal with it show me the one it's going out you're just no way you're gonna get there i mean actually i beg differ i think i could add another hundred look at that
01:08:27| freaking curve man you're screwed what if i just didn't pay it bankruptcy yeah but then what i'm sure that's bad i need to look into
01:08:38| it for you i actually i wonder if more and more people just do it for the hell of it and then it's like everyone's doing it at this point and
01:08:47| then i'm like it's going to be like i'll do it talks about bankruptcy i'm just saying okay now what about this what if i still had a credit card so check this my girlfriend did a
01:09:00| credit uh refinancing thing now she had to get rid of all her credit cards all over this consolidation they yes she kept one on the side never told the company
01:09:11| they never found out how [ __ ] is that no she didn't rack up ridiculous debt she's used for like odds and ends and everything like that but i was like yeah that's a good way to build credit
01:09:20| and not tell the company no no i'm you know i don't know well your credit comes from paying off bills continuously regardless of whether you're going in the hole or not
01:09:32| correct covered in blood deep in red anyway um if you are citibank or anyone related and you're watching this podcast i actually haven't received any of your
01:09:47| letters and or a voicemail from you because my voicemail's messed up so if you wanted to communicate with me directly um we can take away any late
01:09:57| fees you guys saw um i'll talk to you guys about figuring out a plan call me on the podcast i've done some math i think 12 percent is a better apr for me
01:10:06| so if you could do that we'll set up a plan to figure out otherwise you're [ __ ] putting this on false well we like you we like you folks get out of debt if you
01:10:21| want to donate to my credit card company i will let you know who they are no don't actually don't pay them don't pay them hey even if you even if it's on pandora's
01:10:31| like that goes to nick i feel so sorry for him right now look at him even better dude can you imagine if you're like we're going to
01:10:38| split this equally yeah i'll put it in my spreadsheet i'll tabulate it and then 10 years down the line i'll be like hey nick say you owe me some drinks
01:10:49| and i'll be like dan i'm still bartending yeah yeah i know at woody's anyway folks thanks for tuning in thanks for tuning out
01:11:00| i hope you can add your stories of success and beating back that in the american horror story so thanks for tuning in check out our
01:11:08| socials do all the [ __ ] we tell you to do and keep listening because this episode might release tonight might release tonight i don't know
01:11:15| i'm hoping let's see good night
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