Caleb Hammer audited us..

Well guys, it's been uh about like a month and we're back on a new episode of AllCraft. Uh I have to say before we do anything else, it's completely my fault that it's taken this long. It's not Rich's fault. It's nobody else's fault. It's totally mine. And to make it up for you guys, we have a guest today. We have Caleb Hammer from Financial Audit. How you doing, man? Thank you. Thank you for having me. Absolutely. So, is this is this your studio here? No. Oh, no. We are pretty close to it. But we love we love these guys here. Oh my god, this place is so nice. I've got all this other stuff. Wow. Like after the last like three episodes, we've been doing them in like hotel rooms. I think that they think we're recording a porno or something. Yeah, the whole the whole swingers arc is finally done. But I do think that this is probably a new low for us having to borrow a set from a guest and a guest's friends. But you know, also considering the reason we haven't You have the back of a van open. What? It's it's a month. The reason that we haven't filmed the podcast is because he spent a,000 hours playing some go slot. 380 hours playing Crimson Desert and he lost a tooth for every hundred hours. I had a tooth fall out in the middle of like playing and I had to get go to the dentist as an emergency the day after. What are you doing? Why? Like and I remember like I had this happen and I was like cuz I I had gotten banned on Twitch at the time and I was like okay well you know what am I going to do I guess? Like and then this comes out. I'm like and I'm freaking out about it. And I'm like actually thinking like, well, this is actually very convenient. And so I go there, I get it done, and I I actually was upset that I got unbanned early because I had planned my entire week for playing video games. Me too, bro. I was really upset. I mean, do you play games at all? Yeah, I I fall I've fallen off though, unfortunately. When was the last game you played? 100 City Skylines. Jesus, you nerd, bro. I know. I'm the finance guy. Where are you? Wait, what are you trying to like balance the balance the city budget? Like I want to build roads. Oh my god. And it's civilization. I just went back to Civ 5. I'll tell you like driving over here. You need to build a road over here. Holy [ __ ] Oh my. It's like it's like driving through like a Ron. Like it's it's massive potholes everywhere. It's insane. Civ 5. I just played Civ 5. 100 hours in Civ 5. 100 hours. All right. That's that that's substantial. Okay. That's my relaxation after work. Well, hey, we we don't as far as gaming's concerned, we can obviously talk about that a whole bunch, but you're going to be really comfortable here. I've watched a bit of your show. You spend most of your time talking to fat, [ __ ] people, so I think we're the perfect guest to talk to. What? You're fat. I'm [ __ ] I Well, we're both [ __ ] enough. I I'm You've lost 10 pounds. I I I've lost 12. I'm waning fat. I I was cuz I called you out, remember? Like cuz I So, I hadn't seen him in like 2 or 3 years. And uh I see him again. And I'm like, you gained about 10 15 lbs. And you were like, "Isn't that a nice thing to say to your friend?" Yeah. You're on that OMIC? No. No. I I So I just cut Wait, you actually changed your lifestyle? You can do that? Yeah. Well, so I called him, too, and I was like, "Yeah, dude. I'm eating a bunch of vegetables, meaning like tinfish, eggs, just like whole foods, you know, like kind of Mediterranean diet." And he's like, "Oh, yeah, dude." I hear his car starting. I'm like, "Where are you going right now?" He's like, "Oh, McDonald's." It's 2 in the morning, by the way. 2 in the morning. He's going to McDonald's. He's like, "Oh, that sounds real good, dude. That sounds real. How do you maintain this physique? Um, well, I just simply don't eat a lot of I eat one meal a day. I wake up. Well, actually, I don't really know. Like, so I wake up, I usually have breakfast and I eat beef jerky. And then during my stream, I usually eat more beef jerky. And then after my stream, I eat candy and then beef jerky. And then after that, I have Chipotle. And then after that, I have ice cream. Yeah, Chipotle is delicious, right? My my So, I I was eating so much Chipotle and so because it has like the amount of salt that it has. Have you seen the amount of salt that he has? Probably a lot. 80% of like one in like just one bowl of Chipotle. So I had my blood pressure taken, right? And it said my high score was 193. A good score. That was really high. My mom my mom's was over 200, but like you know that didn't go. Always living in her shadow. Living in her shadow, right? And so anyway, uh all this happens, right? And uh you know, I had to tone it down. And so now I only eat Chipotle four times a week. It used to be six, dude. Undiagnosed diabetes really keeps I'm the fat one here. Yeah. And I don't even have these stats. Oh, yeah. Yeah. No. And Oh, then I have ice cream at the end. And then I'll usually after I eat ice cream, I'll eat like uh chocolate and then fall asleep on the floor watching anime. That's beautiful. That's beautiful. That's right. What can I say? My role model, man. Well, like is is that surprising? I don't know. Oh, I mean I eat pretty okay. I go on like a five mile walk every day after work and I'm a f. I GOT TITS. WELL, you know, like Well, okay. So, one time somebody posted a photo of me where my stomach was really big and like where it looked bad cuz like in the angle and like the lighting and everything and I just stopped eating food. I did. I stopped eating food. I was like, why? Cuz like I He looked like if Gollum went to uh Long John Silvers for a week. That is exactly how I looked. Oh my god. Yes. Yes. unlimited fishies. That's the best cuz I was at like 148 lbs and I'm like I cannot You're like 6'4. I cannot go over 150 lbs. That cannot happen. So I'm back down to like 140 135. The crazy thing is though that's his weight. His BMI is probably higher than yours. What does that mean? Like how many how much muscle do you think you have? I don't know. There's no muscle there. That's what I'm saying. Probably not. Actually, he'd be the only person that BMI would stand for like bone mass index. It's just like he's all bone. Yeah, exactly. No. Yeah. I' I've never I've always been very very skinny. And honestly, like I I used to get bullied in school all the time for being skinny. And everybody that I know that used to bully me, they're all fat now. And I'm not. So, you know what? I feel like a winner. No one gets bullied in school for being skinny, though. They do by fat people. Can I ask you a question? This might be a little bit I I just want to know as a Jewish guy. Did you I know you're not Jewish. You were me cuz I'm not. Everyone thinks I I'm still surprised. Did you get bullied for being Jewish even though you're not Jewish? Cuz like I saw you and I I I literally like my reaction. I was like, "You tricked me." I was like, "Shalom, dude. How are you?" These are fake. These are only 5 years old. I permed this. You get permed. This gets permed cuz I started the YouTube with the perm. Do you have the money for for the perm? I could afford the perm. People in Michigan thought I was Mexican. Oh, you do kind of look like a Mexican Jew. Yeah, a Mexican Jew. They're like the darkest white. They exist. Mexican Jews. Well, yeah. I mean, what do you think happens if a Mexican and like a Yeah. I mean, you could see how this would happen, right? Yeah. I've never had to finance a taco in Is that right? How' you How'd you get in to the entire financial a Yeah. So, like Yeah. Do you have like a degree or something in like finance? I don't have a degree. That's the criticism people give me. But it doesn't make sense. Yeah, it doesn't make sense. It's budgeting. Simple budgeting. Do you think you need a degree? There's no degree for budgeting. More money than you're making. You spend more than you make. You go to McDonald's every single day. You can't afford it. It's basic math on a paper. I'm stupid with math. I can't do math. This is the most basic [ __ ] ever. But no, no degree. I went to school for music. Um Oh, wow. Cool. Yeah. But I was very entrepreneurial about it. And then I dropped out. I needed to make more money. So, where'd you go? Western Michigan University. Okay, cool, cool, cool. Not a very big Jew hot spot, but I mean, hey man, I I' I've had a couple uh what are they? Uh Caesar's Hot and Ready's in in Detroit. Little Caesar's $5 hot and ready, which now due to inflation is like seven. I'm pretty sure it's ridiculous now. But the big one, you know, Tyler Alivera. Oh, yes. He almost hired me. I was very I was very bored working at a job. This was this was OG Tyler Alivera. So like he was like Mr. Beast, you know? He was like doing I'm going to escape from the bunker, but he now he has to escape from France. Yeah, he was leading he was leading me on for the job. I'm not talking trash about him. Listen, I get it now. Hiring people's is hard. He didn't have a team. So, I'm not talking [ __ ] about him, but you know, I kind of got lon for a few months and I was getting led on four years for uh production assistant. It wasn't really well defined. Um but then I was upset I didn't get to work in YouTube, but I decided to just make a channel the next month. So that that was honestly it. So what was the inspiration for making a channel dedicated to making retards look [ __ ] Okay. Uh we did the same thing to be fair. We called it OTK when we did it. Oh, we sure did. We proved it for ourselves, too. I don't know. Um I love Slap TV. My 600 lb Life. I love it. I love it. That's That's what me and my girlfriend were watching last night. I'm all about that. and I wanted to watch a show that didn't exist. So, usually when I make something, I think of like, what do I want to watch? What do I want to consume that doesn't exist yet? And it was Financial Audit. Uh-huh. So, that that was the main idea. It's so enjoyable to watch people that are more [ __ ] than you, but it is kind of scary. I was watching one of the episodes where uh it was like two Disney adults. Mhm. And I was like, you're going to have to be more specific than that. Lots of those. Oh, really? Uh it was it was they they were uh it was two girls that were in a relationship. They had merged their finances when they were 19 years old, which is insane to me. And uh I have a YouTube video reacting to this one. I Oh, really? Yes, dude. He It It's It's rough having him react to certain things cuz he hurts my feelings a lot of the time. Why? Why? because he reacted to my there was a video of people from my college describing their majors and he called it a Karen factory and he said anybody who went to that school is a mentally [ __ ] Karen and I I my degree is like hanging in the back of my thing and I was just and you're not using it. Hey man, so I mean you're hosting me, bro. I I tell you it's not that bad. Yeah. Not cuz that degree. Okay. Yeah. He went to school for video game design. What school is the Karen factory? Well, no, I went so the the college that I was in I went to NYU and the college that I was in was called Gallatin where you design your own major and I but I double majored basically in video game design and creative. Yeah. And it's it and obviously like the video I was watching it's like everybody's creative design major was like you know like uh queer studies in the animal kingdom and it's like okay what the [ __ ] is this mean right? What how do you test this? And so no that that's what I was talking about. with a focus on genetic guilt. It's like insane. These majors have the dumbest names ever. It actually kind of is a Karen factory and that's why it hurts so bad. Ridiculous. And you know it's ridiculous. yes. I don't have any college debt though. Okay. Well, NYU, everyone has college debt at N. I got very lucky. I got a big scholarship cuz I g I I'm very uh I come from a very poor family. Uhhuh. So they felt bad for me. Yeah. Yeah. Of course. Well, like so how did you start getting guests at the beginning? And is it harder for you now to get guests because like I mean cuz you know they're going to come on and be like, "Well, I spend all my money on like Only Fans and I corn a pizzas. Like am I doing good, Caleb?" Like I mean I don't know. No, it's super easy now cuz everyone on the audience wants to come on for what it's worth. They want to come on. They want to come on. We get hundreds of applications a day. Do you think any of them are like proud of the level of dysfunction? They're like, "Wow, I'm really a [ __ ] moron." No. Really? No. They want to go through the experience. They want to have the fun. They want to go through the roast. But they actually improve their lives. Really? So, it's worth it. It's worth it. $20,000 in 12 months is the average that people pay off after they come on the show. $20,000 that they pay off after a year. Yeah. Well, that's pretty which is pretty good. So, they come on, they look like idiots, but it's cuz they are idiots in that moment, which is fair. So, you think you have probably a higher success rate than most other shows? I guess. I mean, I don't know any other finance show that's like I I look at you as like financial Jerry Springer. Yes. Caleb Springer. Like, and the thing is is that show didn't help anybody. No. Yeah. There was no benefit. That was funny. Yeah. Do who got helped on Dr. Phil? Uh, the Cash Me Outside Girl. Cash Me Elsa. Help. She's a [ __ ] millionaire now. So, she's doing all right. But I feel like that's crazy. I didn't expect a stat like that where you're actually helping a lot of people. It's cuz people actually want to change, but they come on the show where it's crazy, get a little bit of roast, but then they get all the tools and they actually get a budget at the end of the show for what? Oh, wow. So, even if you came on, I mean, I'd be roasting you for an hour and a half, but you'd get a budget at the end. Yeah. Oh, you're probably good. Well, he he spend he spends a lot of money. Like I mean, you have a lot of money. Have you ever told somebody to spend more money? Yes. Because Oh, god. Oh, no. Why would you want somebody to spend more money? Cuz if you have more money, spend it. Cuz you're eating [ __ ] slop all day. You could have a [ __ ] personal chef. It's What's the nicest meal you've had recently? Uh recently like Okay. Last nical can't taste anymore. The last No, no. He's melted off his taste buds with all the sodium. So, okay, this is going to sound really, really, really bad. is that the teeth that I had fixed were actually rotting and they would smell bad or like I would be able to taste the rot and so I didn't realize you going to do a podcast so you didn't have to smell it. No. No. Put them on that side, bro. I I I did. And and so I didn't realize that it was affecting the food that much until I got it fixed and I had Chipotle the next day and I was like, "Holy [ __ ] this tastes way better." So you thought every bite of Chipotle tasted like ass. Well, not ass, but it's like you get used to it. It's like walking around with ankle weights, right? You just get used to it. It's the way it is. I got in a fight with this guy. It must It's got to be like six or Oh god, I almost did the thing. It was around 6 years ago. We got in an actual argument because I was telling him to drink more water and he was like, "Oh, dude, doesn't taste good." It doesn't taste like anything. It It shouldn't taste like anything, right? He kept telling me the water doesn't taste good. Well, just put something in it like games or something. So, the water the water only the only good water that that I have is the tap water. I only like drinking tap water cuz it's the only one that tastes like anything because of all the [ __ ] in it. Exactly. And so like you have like the dead body matter and like you know feal matter and like you know like like particles of glass. It's like uh adds texture to it. Okay. When's the last time you've had like Texas Roadhouse? Oh. Oh. Okay. That's uh two years ago. Like probably two or three years ago. You've never taken him to like Uchi or Well, we Okay. He's been one of my best friends for around 10 years a long, right? We actually met doing this podcast, which is insane. It's still such a weird story, but we've been we've been friends for 10 years. The amount of times that we've actually done anything besides complain to each other about [ __ ] It could probably count on one hand. Like, when do we actually do anything or go anywhere? Do a podcast from us. Railways. I mean, that's actually Never take me anywhere. Oh, good. I mean, like I would be down to go to a nice like a nice steakhouse or something like that. That'd be totally fine with me. And I've been to them like, you know, I've I've been to like a business event or some sort of like, you know, networking event and I go there and it's nice, but it's also nice for me to sit in my room in a little cocoon eating my Chipotle and then I just watch TV and that's it. That's all I have to do. I do that, too. It's nice, but go out sometimes. It's about eating healthier, too. Yeah. Yeah. Cuz like even like like you you said you walk 5 miles like 3 to 5 miles after work pretty that's so that's so healthy. Yeah. You know it is. But I guess I eat like [ __ ] So yeah. But I mean also at the same time like doing that amount of effort compared to you only eat ultrarocessed foods basically. I only eat [ __ ] slop. That's true. He's processed is good though. McDonald's is good. It's delicious. I love it. So I'm going to be real. I went clean from like all ultrarocessed foods for only two weeks and then I tried to eat it again and it tastes completely different. It was actually kind of weird. It freaked me out a little bit. I I I swear on my life it tasted it didn't taste bad. Don't get me wrong. I would [ __ ] up Taco Bell. Like I I would literally [ __ ] up Taco Bell right now. But it tasted different like noticeably different after eating mostly whole foods and I didn't want it as bad. I don't that. That's why I'm not gonna do it because like what if I what if I grow away from Taco Bell, right? You won't. No, it's too beautiful. It's not. Honestly, I know that. I know. I never But like I mean, so you eat fast food a lot then, right? No, not anymore. I'm not allowed to. I'm not allowed to. Oh, man. Who put that rule on you? Girlfriend. On the if you ever want to have a kid, you have to lose weight train. Oh, no. Yeah. Do you have like a goal? Like are you are you close to it or not? Um, I lost a good amount of weight last year and now I've been steady for a few months. I want to get to 200 by year's end, but that's still like 15 pounds away. But I was 230 at the beginning of last year. How much are you losing like a month? Like 2 lbs, something like that. Well, I was I've been steady these past couple months. That's been bad. I mean, I've seen you call people fat on the show cuz they are fat. But I'm But then Exactly. Right. So like if you're not fat and then you call them fat, they won't be able to respond that way. Yeah. I'm nervous of getting skinny. I'm nervous cuz then I'll look like AN [ __ ] OH, CALLING A FAT PERSON when you're fat. It's like kind of funny, right? Yeah. It's like, "Oh, me too." Like, I know this cuz I'm the same way. But if I'm like less funny, too. I've seen that happen a lot. Yeah. Just it gets mean at that point. I don't know. Maybe you should stay a little just a little, you know, get a little less cuz at 200 I'll still be overweight. So, overweight's okay. Little pudge. I mean, there's a big difference between 200 and 400. I'll tell you how much you can spend. Okay. How how how much do you make? Um, you just had tax issues, right? So, you probably know how much you make. I know how much I owed. Um, I owed over $4 million. Okay. So, $4 million. Was that after estimated taxes? Was that the back pay? No, that was my estimated taxes. Oh, okay. Perfect. Okay. So, $4 million. So, you probably make after taxes. What is that? I'm going to be totally honest with you. I don't know what the answer is. I got a 1099 and it was like millions of dollars. I don't even know where it came from. You probably have six to eight $6 to8 million left after taxes. More than that? Probably a lot more than that. Really? Well, how are you only paying four? Um well, I mean like I think it's probably like just not that much more, but like more. Spend 2 million a year. $2 million a year. 2 million a year. Why didn't D your boy take him on a yacht? $2 million? What the [ __ ] would I do with $2 million a year? Take me on a cruise, bro. Take me on a cruise. No, I look here's the thing, bro. You should just find something that you enjoy and splurge a little bit. Like I I think you should enjoy it a little bit more. Oh god. You can't take it with you. So here's my plan right now. Uhhuh. I want to create like some sort of fund that in the event of his inevitable passing, hopefully a long time away from now. Wait, hear me out. Hear me out. I've already thought I thought up the whole thing. I I want you to live forever. I want your legacy to live forever. Yeah, I like that. I want and I'm going to hire all my Jewish friends to build this [ __ ] Oh, I want to build a because we know how. I want to build a pyramid. It like an Asminold pyramid. We put him in there and it's like a museum and it's playing all the clips inside of the pyramid. You can't tell me that that wouldn't be the coolest thing ever because you're not spending the money. Let's make a [ __ ] pyramid. Let's make a Okay, you know what? That's a great motivation for me to spend the money for something else. There we go. That's a great idea. Yeah. I do want to take a second here. Obviously, we are now actually on a set. We were kicked out of our last set. We bopped from place to place. OTK completely sold our set. So now we finally the second time. I think it is the second time. Who the heck keeps buying this thing? But I I do want to give a big shout out to our sponsor even after Zack playing 5,000 hours of just pieced out. And Poly Market has stayed with us. W Poly Market, please. Thank you, Poly Market. We bet last time on the aliens, Still waiting for them. Now, here's the crazy thing. A senator has said that the probability for that, I swear to God, has actually gone up substantially. He said that they found things that were out of this world. That even knowing about these things existing puts your life at risk. An actual United States senator said that. So, I'm on the right side. That is what's so crazy. I I always like I am always all in on nothing ever happens and something might happen. It will. You think that we're gonna find out about aliens? Trump literally went up and he said, "Yeah, you guys are pretty crazy about that alien stuff, so I'm going to release it since you guys want it. Sure." And so I I don't know. I'm not sure, but I think that there's a much increasing chance for like the aliens. Did you see the Drake thing? Okay. Yeah. Did you, Caleb, did you see this? I did not see this. Okay, get this. So, Drake put his the release date for his new album in a massive pyramid of ice, like a gigantic ice pyramid. And so, in in Canada, it is the most brilliant marketing idea he's ever had. And so, it's it's insane. And so people are now getting on top of it, trying to break the ice out so they can get to his uh release date earlier, So they're allowed to try to break. They're not supposed to. They just do it anyway. They're just doing it. And so like now everybody's going crazy. There's people out there right now that are like starting fires on top of it. Like somebody's going to [ __ ] die. Wait, how much ice is it? It's it it it's probably as tall as this as this room. It's gigantic and it's in like a cold spot in Canada. Well, it's in Canada. Canada's a cold spot. So like, yes, it is. Is all of Canada cold? I don't know. I don't know either. How the [ __ ] knows? I don't know what goes on in there. Who gives a [ __ ] Gives a [ __ ] And so yeah, I have no idea. So yes, I don't know when it will like I worry that like if you have a if if you have a prediction on when this will will end. What happens if like a guy goes all in on it and then the next day he shows up with a sledgehammer and he's like I'm going to make my return on this and he just [ __ ] hammers all the way through and opens it. Like I wonder what happens. Well, is the prediction right now on Poly Market is it for when the release date is or is it for when the release date? I think it's when the ice think it's when the ice think it's when the release date comes out. Oh, it's when the ice is going to melt. So, it's like how do you how do you rec how do you deal with that when people are breaking the ice? Like there's so many agents of chaos. I know. I love it. This is amazing. Oh my god. I got to go in on that one. Jesus, take the wheel. There's like actually more factors than a sports game of course, you know? But yes, um, for all of our shows, like we obviously we cover a lot of, you know, controversial stuff. We do a lot of controversial stuff. So, I want to say huge shout out to Poly Market for believing us, appreciating us, and supporting us. Thank you guys. Thank you so much. And, uh, thank you, Polymark. Let let us know in the comments what your pick is for if we're going to get an episode out next week as well. Yeah. Yeah, we'll do we'll do our own Poly Market on like whether we're going to actually do another episode again. So, uh, all right, guys. Thanks. Back to the episode. I mean, I don't know. I've thought about spending more money. It's just that like I don't even know what I would spend it on. Like people I see them go on your show and they spend money on these [ __ ] collectibles. Well, they don't have money. So, it's like but it's they can't afford it. What the [ __ ] are you doing buying these? What are you doing? Yeah. I mean, it feels good when you're not even thinking about it, but I don't know. Even a million. No, I mean I like Okay. I mean, I make a lot of money, too. I I don't spend that much. So, so it's fair. I understand. And I don't spend a lot, but just get a little upgrade in the car. Little upgrade in the car. So, you can drive the Taco Bell more elevated. I I did buy a new car. I did. I I It's a Mercedes and it's it's just his car is fine. Yeah. It's a low tier Mercedes, right? It's not like a Mayback or something like that. And uh you know, like I I it's I don't want a car that's flashy because then people will notice it and I don't want to get noticed, right? But like other than reliable. Yeah. Yeah. Exactly. It's a car. It works. The car goes from A to B, it's great. And so I don't have a problem with it. But other than that, like I have my h I've lived in the same house. I have everything else. Like it it's all the same. A new house. Oh, like then I've got to put like like blankets over all the windows again. I do that. I do that. I mean, yes, of course I do. Okay, we can get curtains in this new one. No, he doesn't know about this yet. Let's start slow. We don't do I'm I'm going to put tin foil up on there next time. Yeah, it works really well. It works a lot better. I mean, to be fair, I still have tin foil up on my windows, too. I have one room that my girlfriend can't make a decision in. but she still kind of does. But I put up tin foil just as like a pro tip. Oh, that's smart. Yeah, just like let her know. The camera overheats when you don't put the tin foil on. Really? It's stupid. The A27s or whatever. You can change the setting that turns it to not overheat. So, what the [ __ ] are you people putting tin foil on things? You guys are weird. Okay, so so this is the reason, right? is that like I used to wake up at like 8:00 p.m. Okay, I would wake up at 8:00 p.m. and I would go live at like midnight and I would stream until like 8:00 a.m. and then I would maybe cook myself a steak and then pass out around 10 a.m. and then I would repeat this process. And so if you do that, like the sun is like the worst thing that's ever existed, right? It's so annoying. And so like I I don't like it. I mean, that's why I'm so pale. It's because I never go out in the sun. I never never do. That's why I got blackout curtains. I mean, it doesn't work. They're great. No, it doesn't work. Like, what I have is I have like four different levels of blankets and I have like tin foil behind that and there's like literally no light that comes through. You know, curtains cancel out the the waves. Do you know your neighbors? Do I know my neighbors? Yeah. Do they have any thoughts on this? They see this? I mean, like, so my last neighbor, uh, well, the last neighbor did not like me because when I was a kid, I would like shoot fireworks off and then there was like a huge pile of trash and, you know, it was a big thing. He couldn't sell the house. But like then after that, the new neighbor is totally fine. It's totally like he's he like he's nice and all of them are nice. Like they probably I think that they know what I do cuz like one of them recognized like, "Oh, say I think I saw your video or something." But like other than that, they never really thought about it or ask about it at all. Never ask about anything. Do they know you're a streamer? Say what? I I know that at least two of them do. And actually like I mean and then also if I include the ones that are like near where my dad's neighborhood was, pretty much all of them do. Yeah. Yeah, pretty much. Okay. Okay. bro. Caleb thinks we're weird. Is it like Have you like dealt with a lot of streamers before? No, I don't know these streamers. Wait, none. No, I don't know. I've DM'd Destiny because I'm trying to go on Destiny as like the counter of you, right? Accurate because Hassan probably won't take me. But yeah. Yeah, sure he would. So, okay. Depends on how many views the video will get. Either way, like I mean Well, I mean, you know, Destiny was a music major, too. he was. Yes. And he dropped out, too. That's cuz he [ __ ] someone. Yeah. Cuz it was not economical. Exactly. Okay. No, I understand it. So, like that was the only other person you've talked to that's Yeah, I've DM'd him a few times. Other than that, I know YouTubers like the finance YouTubers. Oh, yeah, definitely. It's kind of big on YouTube. I feel like the finance side of things. Yeah, I stay in my bubble cuz that drama [ __ ] gets weird. Like, you're always in drama. I do. Like, that drama like I'm going to get in trouble for being on here. Like, I already know I am. So, the drama should I You know what's funny though? I'm curious what you think about this. You You definitely if you put out a tweet, you definitely will. But the fact that it's not on Twitch, I feel like YouTube is not as crazy about that. Nobody on YouTube gives a [ __ ] about anything because YouTube I think Twitter is like Twitter there's so much of a reward structure around just saying whatever is the most uh extreme, crazy, you know, vitriolic, aggressive, and just, you know, provocative thing possible because you're getting paid for it. It's like a it's a it's a very bad incentive structure. But like on YouTube, I think it's way different because even when you're a big channel, like it doesn't matter because there are a million other big channels, right? You're a big pot, you're a big fish in an ocean, right? But like on Twitch, it's like a very small pond, very small community. I thought of something you can spend money on. What? A hair transplant. You mother Turkey. No, no, no. Canada. The worst part is that like you already have a guy set up for me. I already have it all set up. Yeah, he already has it. Like you do it on stream. That's what I'm saying. That's what we're going to do. Like you're actually going to do it. It's happening. So like I my hair I didn't do my hair and I didn't get a haircut, but I was completely bald. He was This is fake. Well, it's real. But yeah, I haven't gotten a haircut in a while. That is crazy. I was completely like honestly like I was I was against it until I saw Rich. Yeah. I went the same Elon Musk. But you know what's crazy? His name's Dr. Hassan. Oh, I'm not even kidding. That's fine. That's totally fine. Canada. It was the weirdest experience of my life. You can rent a private jet to get there. We can start getting this money moved. Oh no. Oh my god. That'd be so sick. You can get catered Taco Bell on the PJ. I know. Yes. It's It's But it's like 20K. God. Yeah. No more. Is it in Canada? Well, if you're doing dinky, you're like big. Oh, yeah. I guess so. How much is a private check cost? I don't know. You're tall, right? So, it could be like 40 there and back. Oh, jeez. Yeah. I mean, brutal. I mean, there and back is not that bad. You don't spend money. Like, why not? $40,000. I mean, how bald are you? How bald are you? Uh, bald enough to where Canada would be easy. Okay. Cuz it doesn't look that bald from here. It Thank you. Yeah. I mean, like appearances can be deceiving. that he probably spends more time on that than most most girls spend on their makeup. That is unfortunately kind of true. He's he's not even on the Norwal scale anymore. He's like he's eating his own. How come? Well, like I called him my fault. And listen, well, the thing is if I do get a hair transplant, then people will run out of things to make fun of me for, right? True. And like you're right. It's like if if you if you look kind of weird yourself, it feels better when you make fun of other people, right? So, like if I call somebody like a fat [ __ ] or something, well, it's like, okay, well, you're a bald [ __ ] so like what are you talking about, right? But like if you don't have anything like that now, you're kind of like a bully, right? It's a little bit different. True. But do people ever say like on your show that you're like bringing people on to like embarrass them and like bully them? Cuz I've seen like some clips about that and like like every once in a while people have tried to like politicize your show. That's so annoying. Okay, so like what the [ __ ] are they doing? I don't know. Okay, so this is actually interesting that I'm on here right now because I hired my first PR guy to try to get me on shows cuz we're plugging our app dollar. So, there's the plug. Um, and then like this happened at the exact same time and I met him in person the other day. I was ask I was asking him like I'm getting all these right-wing invites. Where's the left wing? And he said the push back we're getting is that all of them think we're just bringing on poor people that we don't know just to make fun of them. That's what every single one of them like, call her daddy, call me, call her daddy, the other one, like all those people, they just think we're just bullying people, but it's not even true. They're literally signing up, going through a crazy onboarding process. They're fans of the show and they want to go through the roasts and everything. It's like people who sign up for Kill Tony and then you get offended that you got you go on Jerry Springer, you know what you're going to get. Yes. Especially if you're a fan of Jerry Yes, of course. So, it's stupid. I don't know. They hear that. And then I talk about personal responsibility. That's I guess immediately right-wing coded rightwing personal responsibilities rightwing guys. Sorry. It's it's stupid. I mean I've bashed socialism for sure, but I'm just not socialist. But I think you can be normal left and not socialist as well. I don't think that's I agree with you by the way. Well, I think I think most people that make content though are not normal political opinions. If I There's a reason why they're in their house and they're not outside. I don't know. I defended a trans person on the show the other day. And the my right-wing audience didn't really care. Nobody gives a [ __ ] Nobody really cares. Offended the individual who was on the show. No. The someone was like a trans phobe and I was like, "Who who gives a [ __ ] Just use the pronouns. Who cares?" I know. I was like defending. It was like that my the right-wing part of my audience didn't really give a [ __ ] And then I criticized socialism and the leftwing part of my audience like [ __ ] blew up. I totally agree. There are a lot of people that are not very accepting to any kind of disagreement. Like there's tons of people that I deal with that disagree with me all the time, right? But like the moment somebody I deal with like I, you know, they're disagreeing with me, they don't like what I'm saying, you know? Oh my god. Like I think there's definitely like more of like one angle of like intolerance, right? But I think that's kind of what happens like social media is like everything kind of gets dialed up, right? Everything is like more serious, things are more extreme, everything's got to be as much as uh as possible, Yeah. They also want to put you in a camp, of course. So, they had to put me in a camp. You're either on our side or against us. Guess I'm right-wing because personal finance. And I mean, I say jokes, I say [ __ ] then I guess that I don't know. Offensive things. Well, to be fair, you're talking to a lot of retards. You should be allowed to say it. Yes. And I call them [ __ ] Imagine not being able to use the word if you're doing your show. That's bad. I know. And I say it everyone. He's in controversy all the time. View count doesn't go up or down. stays the same. I'm not worried about that. People [ __ ] People complain. Everybody's going to keep watching. The people that hate you are probably gonna end up watching you more. The Howard Stern. Yeah. Yeah. Oh, yeah. What was that? They they watch you twice as long. Yeah. Three hours to hear what he's going to say next. Yeah. No, I I'm I don't have a problem with that. It's just annoying when people assign your ideology. Oh, yeah. Of course. That's awesome. I I'm not afraid of people not watching, but No. So, I mean, yeah, that kind of sucks that people put me in that camp. Um, I don't know. Like I I vote I have voted both ways in my adult life. Yeah, sure. So, I've voted left and I've voted right. I think most people have, honestly. And like there's a big problem I think that people have where everything has to be all in one camp or all in another camp, right? Whether it's like if you have one opinion on like gun rights, you have to have seven different opinions about child care, schooling, immigration, foreign affairs, and everything. And it's like you have to all be either one or the other and it's very very exhausting. Who claims you? Um, honestly the people that are talking about me less because they don't know how bad I am. I I have a I I mean I have a lot of things and crazy things that I say, little controversies, etc. I don't think anybody really claims me. And to be honest with you, I actually prefer that because I don't want to be on anybody's side. I mean, I guess that people would probably say that I'm more right-wing. I would I would That's what I thought. Yeah. Exactly right. I would easily say that like if you were going to put it in one category or another, I would say that yeah, I'm definitely like more like that. But like honestly, I I'm I'm okay with a lot of social systems and everything. I just don't want them to go to like random people that aren't supposed to be here, right? That's really about it. Like other than that, I'm totally fine with everything else. You were on what's it called for a long time. For what? Uh the food thing. Uh, which food thing? The the stamps one, right? Foods. I was on food stamps. Yes, I was. And so, yeah. I mean, safety net. Well, my outlook is like, okay, now I have to pay a lot of money on taxes. And it's like, I used to be a worthless loser [ __ ] sitting at home all day playing video games, doing nothing, and trying to put in the least amount of effort possible in order to live. And I was getting paid by the government to do that. Now, I'm making money, and I'm paying for the next generation of worthless, lazy retards. and maybe a handful of them might do well later on. Seems like the system worked. That's circle of life. Now, what are you against that now? Taking care of someone like you. I So, not only am I for it, I think that we have and I'm sure you probably dealt with this in like your financial audits is that whenever you get inside the donnut hole of, for example, like making so much money that you can't get food stamps, but the difference is actually making it to where you're making less money and you have less effective income. Like, I actually think they should give you even more money for food stamps. No. In many states in this country, if you make federal minimum wage, which is what, I think 725, 725. I know it's Texas, I'm sure, but I don't. Yeah. Well, federal, that's the federal. I'm from New York. I thought it was 15 bucks. But for many federal for many state programs, if you get boosted to 15 bucks an hour, you actually only got a real wage boost of about a dollar because of the social programs you get kicked off. Holy [ __ ] Your effective income even when you're making like 20,000 or like it's like $30,000. It's like closer to like 50 60,000, right? Because you have like the medical assistance program, that's the MAP program, you have food stamps, you have other supplemental assistance, you have housing assistance, you have a phone assistance, right? The Obama phones, which is actually done by Bush, but doesn't matter. um you have all these other things like and yeah, you you get you save so much [ __ ] money whenever you're broke. But then whenever you're middle class and you're not making that like let's say you're making $40,000 a year, those are the people that are [ __ ] broke because they can't get food stamps, they can't get assistance, but at the same time they also don't have the money to pay for it out of pocket either. So like that's the really really bad one. I'm sure like you've dealt with that too, right? You brutal. But I also get pissed on my show when people are on food stamps, but the reason they're on food stamps is because they don't make make enough because they're pursuing building their own business. So, we're funding them to fund their own business when they chose not to just get a job. Like, I want there to be social programs where people who face hard times get help. Oh, yeah. But when someone chooses, okay, well, I'm going to start my own business. Oh, oops. Now I don't make enough money because I'm trying to start my own business. So, here let's fund your food and everything. That doesn't make sense. I I'm okay with that if it's a temporary thing. Like for example, like if it's like for 6 months or a year, I'd be like, "Okay, that makes sense. That's it's still subsidizing their business." It is. It is subsidizing their business. And I think that's good, right? I mean, because if you subsidize businesses, you help, you know, grow the economy and you grow capitalism and you give people the opportunity to do that. I can see why people wouldn't want to do that, though. I can absolutely see that. Well, my struggle is the largest growing pie piece of the pie of the federal budget, 60%, right? Something like that. the largest the largest growing quickest growing is the interest on the federal debt. It's so bad. So when money is going to things like that, I want robust safet social programs. I really do. But when it goes to us subsidizing someone creating a business versus a family who lost a job. Well, you're certainly right that there should be a priority system. And if we if if we're if we can't pay down the debt, I think it's like has it crossed 40 trillion yet? I don't know, but it's probably quite close to that. It's very close. And like yeah, I think that's what's going to happen, right? It does get worse. And you're you're right is like in terms of priority list, subsidizing starting a business should come much lower on the totem pole than like let's say a family of four that loses their income because of, you know, AI or something like that. Absolutely. 100 fucking%. So yeah, I mean I I just I wish we had more money to do that, but right now it's just I don't know how there's so much fraud, too. Like have you kept up with that at all, dude? Every time I tune into his show, it's some random person who's on like randomly on like a vet and on disability like every single time. Yeah. No, that's a big thing. Like always. It's a big thing. And we've had multiple guests on the show now essentially admit that they got injured outside of their service, but because technically they were still in service, like it was off base and all this stuff, they get 100% disability forever now. Yeah. And they fully admitted that on the show. Um, an episode that has hasn't come out yet that we filmed was a guy who currently gets 80 as a cook because of hearing loss as a cook. And he gets 80% so he gets 4,000 hours for the rest of his life. He's trying to get it to 8,000. And I asked him why. And he was like, "Well, just so I can get more money." More money. Yeah. Exactly. But I was like, "No, no, no, no. Why? Why? What about your medical condition uh is going to bring you from 80% to 100%." He's like, "So I can get better finances." I'm like, because I want veterans to get so much money. I really do. I advocate for like a pension system, just a forever pension system, but because we call it disability and there are people like the trend and most of it's probably Iraq war and Afghanistan, but the trend for military disability signups has been like this. And then past few years has just gone straight up, which really sucks because it's like 4% of the federal budget now. And when there are people that are actually struggling, homeless vets, vets with drug addictions, all these people struggling to even get in line to get seen, then there's people on my show that have obviously abused the system. That's obnoxious. And then they come at me or they come at you for even calling that out. And then you're a vet hater because it's a sacred cow. Vets are a sacred cow. I I think so. And it's like, yeah, I mean, I I know that like once you get to like 70 or 80% disability, it's only a matter of time until you hit 100. Yeah. And I think that's kind of what happens is that, you know, it just kind of builds on itself and you have so many people in the service now they're receiving benefits. I saw on your show it was like a family of like two people also that were receiving benefits. So it's not just like one person, it's two people now. Like that's a huge amount of [ __ ] money. And uh I I don't know really what's going to happen with that because it's like how do you like I mean this it seems untenable to do especially whenever these are functionally able-bodied people in a lot of cases. I mean look I I think everybody wants this. Well not everybody but I think a lot of rational people want to support vets. It it's but the people who are abusing the system are actually hurting the the veterans. What I try to say, I think the most patriotic thing you can do and if you support the system the most is actually calling out those who [ __ ] with it so that you can properly fund it for those that actually need it. Cuz even if you didn't see combat or you didn't even leave the base and you have mental health issues because of some kind of abuse or something like, yeah, I still want you to get it. Yeah. Yeah. Sure. Um but I don't know, you have to be able to call out any kind of fraud. And that's what gets lost in our conversations all the time. Like if you're a big advocate for even more healthare in this country funded by the government, let's just say, um then you can't use the argument, well, why are we paying for wars and not healthare in this country? Where to our health programs, the federal budget is like 50 to 60% and the defense budget's like 20%. So if your argument immediately starts from a place of just not understanding where our money is going, you're not effectively arguing it. Like I want to see better health outcomes and everything in this country as well, but let's at least argue from the point of where the money is already going. Oh, yeah. Of course. I mean, because like if you're talking about something, it's like you the the foundation for it is just wrong, right? I mean, like you're you're basing it off of a false premise. Like where Yeah. I think I saw like a clip where it was somebody saying that like, "Oh, well, you know, most of our budget is to the military or something like that. Some girl with colored hair." And I was like, "Yeah, I saw that clip, too. Classic." Yeah, I saw that. And uh Yeah. No, it's it's extremely common. And I don't understand where a lot of people get that. I think that like maybe it's just and and also like the entitlements programs have ballooned, right? And I think they will continue to keep getting bigger and bigger until it's just untenable. You know, the funny thing, so I I legit, not to get like dark here, but my my father straight up passed away because he didn't know how to access a lot of different things as far and he was a very kind of old school guy, so he just lied to me, right? So I couldn't even help as much as I wanted to. So I started looking into all of this stuff. It is really hard to figure out how to even interact with the systems that are out there right now. Like you need a basically like a full-time job to sit down and even understand how the systems work. So, how was my dad who was waking up at 4:00 in the morning every single day to go to a flea market cuz he was too proud to stop working? How was he supposed to know how to even interact with that system in the first place? Um, it confuses the [ __ ] out of me. It gets even worse. I read earlier that 52% of American adults, 130 million people read below a sixth grade level. I was thinking to myself, bro, that means they're voting. Like, it's so [ __ ] scary. Oh my god, what's happening? Did you go to school here in Texas, Michigan? Okay. Okay. Well, over here, everybody's [ __ ] [ __ ] Like, my high school full of a bunch of [ __ ] idiots. Nobody could read um our there was an honor like an honor society. They spelled the name of the school wrong. Swear to God it wrong. So that's how bad it was. And like now I I I feel like everything is like just a version of a managed decline, right? Whether it's like media, whether it's government, whether it's anything, it's just all a managed decline. Well, that does happen in in a like collapsing birth rate nation. Yeah, that's inevitable. In 2032, Social Security gets an immediate 32% cut, I think. I don't know about that, actually. Yeah, it's a mandatory in law because there's nothing in the reserves anymore. So, only the money going out is what's coming in, which they're projecting to be a 32% cut. How does birth rate affect that? Because you need more workers to pay into the system. Think of it as a pyramid. Can't we just get them from somewhere else? Why is that complaining about no workers into the country? Yeah. Well, that that's what they do, right? They try to import people. And I I think really what why do you think people don't have more kids? It happens in every culture. In every culture that gets modernized, um it every country that develops, their birth rate falls. In Hungary, where they gave essentially tens of thousands of free benefits to anyone uh that was having kids, the birth rate went up just a little bit over two years and then immediately went back down. So, it just doesn't work. In South Korea, they're handing out money like crazy and it's the lowest birth rate in the world. Actually funny. That was one of the things I had written down on my personal notes for today because I am scared to have a child. Why is that? Financially, I'm scared to have a child. Damn. Rich, I assume I don't I don't feel wealthy. Like I I And the thing is is my girlfriend also makes good money. Uh she makes pornography and um Have you heard of pornography? No. No. I I um my my girlfriend did like the whole Only Fans thing. Well, she still does the Only Fans thing. She was a porn star for years. What is she? Who is she? Mia Malova. I'll make sure. Okay. I don't think Um Yeah. Yeah. You can do your research later. Um just be sure to sub, you know. But but but the thing is is it's like she makes good money. She makes really good money. Um I make okay money. I think about having a kid and I instantly don't feel like I'm prepared. Like I swear all my life out of me. Yeah. But people were having kids in the farm and they were all dying in civilization. You get nine of them, you know. Just pump them out. This is what people felt. I mean, I'm saying this without a kid, but this is what we need. How much does it cost to get a kid across the finish line? No, they're saying like 300,000 or something. Yeah, that's crazy. But I mean, so I mean, it's depends. I mean, you guys won't qualify for the child tax credit, I think, but like most people do and it it helps and it'll be fine. It'll be fine. Just send him to public school. Public school in California. No shot. Oh, you're in California. I don't know. Literally first grade teaching bump fentinel. Like I What am I going to do? I got to send the kid to a private school. Like you don't have to. Okay. What What part? What? What town? I live in I live in like Los Angeles. In the nice part or the scary part? It's all the scary part. When was the last time you've been to LA? The thing is is like if you live in like He lives in the nice part. Don't even There's no such thing as the nice part. I'm sure they have okay schools and the nice part. The nice part. I swear I'm a I swear the public schools in LA. If I lived anywhere else, it would be fine. I had literally had this conversation. If I if I lived in New Jersey, I would send my kids to public school. It's LA in particular. Fine. Have your girlfriend post tits a couple more times. You can afford public school. It's fine. You can't say that because the thing is is she already has all of the power in the relationship and makes every single decision. She just spent $5,000 on a cat. $5,000. Then you can afford a kid. Does it have those stupid ears? Do Do you want to hear how [ __ ] stupid this was? I was about to go live. You were getting close to ending stream, so I was like, "Oh [ __ ] I got to go live." And uh I go, "Hi, honey. Like, do you want to make love?" And she goes, "Yeah, sure. But I need one thing from you." I go, "What?" She goes, "We need to get a cat if we have sex right now." And I said, "Yes." Not thinking. And she bought she bought a cat. Then the next day, you know what she pulled on me? She said, "We need to get a 15 pound bunny." After after we had sex, she said, "I just wanted to leave the option open." Do you know how pathetic I feel as a man? Oh my god, I'm useless. So, so now she can buy the rabbit whenever she wants. At any time, she can buy a 15lb bunny. What? I didn't even know if they got that big. I didn't either. What the [ __ ] Maybe that's like the cat. That's maybe she's reserving it for the future in case they start to get that big. I don't know. But yeah, no, she is the the that that's how our finances work in our house. One time we had a couple. Here we are. Uh we're we talk about it. We just haven't done it yet. What's not to do? Um the thing is like we're just the wedding seems expensive. Oh, go to the courthouse. What are we I mean, also it's like if I had him be my best man or something, he might not even show up. Then just go to the courthouse. Be honest. Would you show up to my wedding if I had it in California? That's nice. Yeah. Just very simple answer. Yes. Dude, I I would feel bad making you not stream. Yeah. It would feel cuz I know the second that it would happen, you wouldn't stream and it would just be like I ran like there's a war going on. No, that that that's happened to me a lot. Like any day I take the day off, it's like, "Oh yeah, by the way, we bombed something or like some kind of crazy [ __ ] happens and like I'll wake up and like I'll like see, you know, I'll look at my stream like, "Oh, what's going on today?" And I'll see like Hassan would have a lot of viewers like, "Oh, fuck." No, I missed out. Lost. I missed out on another one. Yeah. Know, it's it's funny the fi the financial thing. I I've never It's interesting being in a relationship with somebody else who makes money. I feel like the conversations are very different like based around it. We don't have like joint finances per se, but we split everything, but we still keep track of everything, you know. Dude, just have the kid. Just have the kid. Well, we started doing uh what's it called? Like the IVF thing. There you go. Oh, he's starting now. Yeah. Yeah. No, we we we are like trying to responsibly plan. We basically said smart. We said I I think it was 6 months ago that we were talking about uh this was the only disagreement we had. She wanted to have the kid first and then get married. And I was like, that doesn't make sense. I was like, so basically in a year-ish, a little bit less now, marriage, year after that, have a kid. Yeah, that's beautiful. See, it's good. But if he doesn't have more kids, then you're going have to have more angry streams about immigration. And it just gets I want to have I want to have like I want to have two, but I feel like I should do my duty and have three to four. Oh, three to four. Yeah, I'm a patriot, bro. I'm a patriot. Um, and you know, there's not many Jews left. as many as the number. You've got to repopulate. Got to respawn them. I don't know, man. Like I I I think that a lot of people don't want to have kids because of money. Like, but I think that and you're Caleb, you're right. Like, and I I know exactly what you're talking about that like the financial instability is like it's one reason, but you know, you ask people and like some people say that, but other places where that's less of an issue, people still aren't having kids. I don't know really what it is. I have no idea. Andrew Tate said that kids are the best return on investment you can have. Is Andrew Tate giving good financial advice? I guess. I mean, dude's rich, right? He said that you can make them. He said by the age of eight, they're already doing all the house chores. That's a good idea, honestly. Like, if I ever had a kid, I'd definitely make him do dailies and video games for me. I 100% would. Absolutely. The whiteboard is going to turn into the kids dailies. That's smart. Like, yeah. Like, complete all these tasks, you go to McDonald's. Yeah. I have to ask though, if we don't have kids, if it keeps falling, are you completely against immigration? I don't know your take. Well, I'm curious. No, robots. Robots, replace me with robots, right? That that's I would say, He's so racist. Robots. So, here's the reason why. Because like so basically if you have robots I think that a lot of times that whenever you bring people in what happens is that those people obviously like you know they're they're going to be from a totally different place and they're going to change the place that they're coming to as well. Is what isn't some immigration good? Of course. Yeah. Of course. Yeah. Some definitely. I'm not totally against it. Right. I'm not I just think that like at a certain point it becomes too much. Right. And I think the main issue to me is the unfettered illegal version, right? I mean, like obviously like, you know, if you're bringing in a bunch of like for example like H-1B workers, right? They like recently increased the price that it costs to bring somebody like that over, I think that it's okay to do that, but like if you're doing that to undercut just American wages, it's a bad thing, right? And so it's kind of a lot of common sense decisions, right? Like I don't think that my views on it are like super super extreme, but at the same time, like yeah, I don't think that you really should. I think it's like give a man a fish instead of teaching a man a fish. Like bringing people into a a country to solve birth rate problems and like a youth problem. But like I I do think that you're going to see robotics and technology take over a lot of those jobs. I think it's going to be a lot more common than people would imagine. And it's I think it's already starting to happen, right? You're getting delivery robots. You're getting like all kinds of other I think you're probably going to have other service robots too where like they can just test like your blood or something else. And I think that probably will be in like 10 years. Does that fix the problem though? Yeah. Like cuz but that's not generating this deficit is it? Maybe it is. They think AI will solve everything, right? Elon says UBI now. So I don't know. I mean my fear is like South So the argument that a lot of people use that are like vehemently very anti-immigration. It's like well it's you're going to lose the culture. A lot of people are coming in, right? But in South Korea where they're not getting im any immigration and no one's [ __ ] their culture is also going to be gone in like 50 years cuz it's just not going to exist. Yeah. So there has to be some kind of proper balance where I'm just afraid declining population countries where every modern society has robust social systems that require growing population. It just does. Unless we want to completely change that, but there will be rebellions in the streets. Without a growing population, you can have Japan where wages have stagnated for decades now, where young people are pretty much [ __ ] It's going to be one worker per retiree in the coming decades. You know how much money I would pay for half those animes? the amount of money that I pump into that culture just with gotcha games, they're fine. They're doing fine. And and the thing is, well, yeah, I mean, a lot of those are in China, too, to be fair, but like, you know, oops. Yeah, the wrong one. God damn it. I gave it to the enemy. They tricked me again. So, the thing is that like I mean, you're right. And and obviously like bringing people in is like it's it's part of the American environment, right? And having people come in and be part of America, I think that's a good thing. It's just a matter of doing it in a degree that's sustainable and it's healthy for the people that are living here, right? And I think that that's the outlook that I always have is like is it something that's in the best interest of the people that are actually living in the country at the current point in time? And I think sometimes the answer that's yes and then so you should take that option. But I think that decisions should always be made with the best interest of those people in mind. But a declining population or you know like a shrinking economy in that way like if you look at for example like the GDP the GDP is very very high right now and you think about the GDP in 2016 it was a lot lower but most people would probably view their living conditions as better in 2016 versus now. Yeah. But I mean I I [ __ ] cuz I know I'm going to get in trouble with this. People are going to just [ __ ] on me for it cuz it's all feelings in the end. But even still you're right. This is the slop opinion. I understand this is opinion. No, I mean I I'm definitely with you on like illegal immigration very like I think most normal people are against illegal immigration, right? But um it's just like every cost category over the course of the past five decades or so, maybe six decades in American life is a lower percentage of income now except for school, housing, and healthcare. But in terms of actually buying food as a percentage of your income, it's lower now than it was decades ago. Uh buying anything that gives you joy, that dopamine, pretty much anything but housing, healthcare, and school. I feel like that's like saying I'm doing really well, except for my head cut off and I lost my heart. The housing thing's bad. The housing thing's bad. The housing thing is mostly permitting related though. We don't allow places to build. New York won't allow people. You know what's funny? So I'm a New Yorker. I I So I spent majority of my life in New York. Um, I never planned on owning anything ever and which why do you need to? Everyone's obsessed with this ownership thing. Who gives I still don't really like vibe with it very much. It kind of seems stupid to me as somebody grew up in. But I will say the apartment that I had was gorgeous apartment. It was in Brooklyn and now it's almost quadrupled in price since I've moved out, which is really insane because I wouldn't be able to afford it now. Like legitimately, I'm not just saying that for a dramatic effect. There would be no way that I would live in it now. Um, so I look at New York, which, you know, I've never owned a car. I I've never had that expense. And I always found New York to be like the most affordable place to live in a weird way because there was always work. Like, I could always find work and you could find ways to cut corners and get by. Uh, so, by the way, I moved to New York at uh around the time that my family we got like evicted from our house. 2008 crushed us. I was born in Atlantic City. It was bad, right? And went to New York, found ways to work and kind of pulled myself up from from there. And I had a lot of opportunities, right? I went ended up getting into NYU and all this stuff. So, it's not like I had like the hardest road in front of me, but I looked at New York as like this great place to work and all this stuff. Now, I wouldn't be able to afford it. There's no chance that I was going to be able to move back to New York. But if you look at the place you currently live now, a lot of LA's housing crisises, it's all single family homes. They will not allow permitting building up. And these places that enact things that are performative policies like rent control, every time a city enacts it, like San Francisco did decades ago, permitting fell by 50% almost overnight. So, they're not building housing, which means for the average person that's not getting rent control, their housing price goes up. It gets more expensive for you to buy a house, gets more expensive for you to rent, unless you're in the generational rent control. And that's what makes that category of the three categories goes up is honestly government regulations getting in the way of actually building housing. stupid people in LA being able to have that local controlled dumbass [ __ ] where they protest. Oh, you can't build an apartment here. Oh, it's scary. It's a parking lot. It's beautiful. Um, that it's more that than like the GDP went up and you know, feelings and all that stuff. It's school. So, school is the second one, right, that I mentioned. School, the cost of school only went up when we started introducing federal student loans. You could borrow as much as you want to get any degree you want from any institution you want. And we kept raising it, raising it, raising it. Then they hired administrators, turned them into campuses of like luxury water parks and stuff like that. Oh yeah. Like $8,000 a year to go to a school I think is a little bit much, right? Yeah. So, I vibe with the like it feels like people's lives used to be better, but those three categories usually it's just like uh not to be too libertarian, but it's usually just like we tried to do things that are nice and performative like, oh, student loans for everyone or rent control, all this stuff, but it's actually damaged those three categories, made them wildly more unaffordable. But for the vast majority of Americans lives, food and things like that are cheaper as a percentage of income than before. Oh, sure. But there's also a lot of other percentages now that people pay like a cell phone now. Like I mean people like that's a new it's a new service cost and like there's other things that have turned into subscriptions and costs as well like things like things with your car or maybe working or something like that. And uh I and I do agree with you. What do you think about uh like the all the amount of like houses that are like just rental properties that people are basically just using as like commercial properties? Like um what's that place that you can pay to like stay at a house? I don't know why I can't think of it. Right. Airbnb. Airbnb. Airbnb. Yeah. Like what do you think about that? Like how many of those? What about it specifically? Yeah. Well, like what I'm saying is like a lot of there are more and more houses that people use for like Airbnbs and they're using them effectively as like commercial assets. Do you think that like that's a big role in like housing too? Relatively. I mean people want more places to live and if the market was able to just deliver what people demand. Austin had a lot of Airbnbs, but Austin also decided, hey, we're just gonna let you build because you want to build here and people want to live here. And now housing has fallen by like 30, 40% in price because we built so much. Rent in Austin has fallen almost larger than anywhere else in the country because we built. We allowed developers to build. We built up. We built more housing on lots. We allowed people to do with their property what they wanted to do. So even though Austin had a lot of Airbnbs compared to like Yeah. uh uh [ __ ] name LA with Airbnbs. Okay, maybe same percentage of houses had Airbnbs, but we allowed people to build and housing still went down regardless of Airbnbs still being there. So, it's not the root cause. It's a good issue to attack. Private equity owning houses is a good issue to attack. Thought about that. It's still less than 1%. What about it's incredibly true? So, in New York, there's a really crazy phenomena that I saw a lot and I have some friends in real estate that were kind of explaining it to me, but I'm sure you understand it a million times better than me. So, I'm curious what you think. There are people from overseas who get like housing credits and then they own these like anchor apartments and some of the nicest buildings in New York. This is a crazy phenomen. You're talking like 20 plus million dollar apartments and it's basically a safe haven for their money. Takes up a shitload of real estate. And then you have all of the developers. They they don't own one building that they're renting out. They own the whole block. And what they do is they push out all of the businesses over time to eventually redevelop. and they'd rather sit and make no money on the property. So there were blocks there's this place where I used to go uh it was this bar and a burger spot and a cheese steak place. It was called 99 Miles to Philly and Bar none. This entire block now where I used to hang out. I'd spend a lot of money there. There were good businesses there. Nobody can afford to to rent there anymore. It's like a ghost town this block. And I asked my buddy, I'm like, "Why is this happening?" Because they're going to redevelop. Then you go up 20 blocks, there's an apartment building. I [ __ ] you not. It's one of the biggest uh skyscrapers in New York right now. All the apartments are owned. It's completely empty. How the [ __ ] is that good for anyone? Interesting. That's interesting. Oh yeah, they do it all the time. And like it's the same as people keep houses empty instead of actually like renting them out just to keep the prices high. It's very very common. Well, well, the thing is is apparently people from overseas, if they own these giant like $20 million apartments, these like luxury apartments, it's like it's some sort of like tax haven and like getting their money out of the country and like all these different things. But now now you have like you're you're talking these $20 million apartment that could house. How many people in New York could it house? Why? Yeah, that that Yeah, that that's a really interesting one. I mean, I know in Texas we've made it illegal for I think people in China to buy housing here. Probably China. I I don't know. And a couple other countries as well. Like we've done policies. I mean, I know we do that as well. Like we'll buy European houses. Uh Americans like rich Americans or like houses in Dubai. So we do that too. It's it is wealth protection. Uh I mean I don't know if I mean I'm probably on your side where it's like I'd rather people who live there live there. The counterargument Kevin Olirri argues that well it's like oh hey no, someone bought it for $20 million. They're actually a benefit because they're paying property taxes on it, but receiving no city benefits because they don't live there. Don't know if I vibe with that argument, but I at least get it. Okay. I guess they at least pay the property taxes. I mean, if they're making the money, that's great, but like if a bunch of people don't have a house, right? And I people the people can't work and pay state taxes, right? No. Agreed. So, it it seems like it might be a negative I now I don't know the math right now, right? But um you're if you're even if you're a doicile non-resident, you're not paying state taxes. So I mean, look, my my biggest thing as a New Yorker, like I've actually never voted in my entire life. And I the only time that I would complain about whoever won is if the sidewalk didn't get cleared quick enough. That's literally it. That's all I care about. I was like, is there snow on my sidewalk? No, I can get to work. I think honestly there's a lot of things that are like just like the everyday average like this is a direct problem for me specifically and if more people focused on that rather than like abstractions of like what's happening in a country on the other side of the world. I think that most places would be a lot better off. I definitely think so. Yeah. All politics are local. I care more about the Austin politics than I do the national politics half time. Yeah, I don't know because that impacts the parks I go to, the roads I drive on, state politics, Texas, and you know, my business taxes and [ __ ] like that more than, you know, whether or not we're going to war or the president. Yeah. It's like it's funny because like Yeah, it's like you'd expect war to be a bigger deal, but like actually to people's day-to-day lives, well, yeah, paving the roads and like the taxes, like a lot of that is conceptual, right? It's like it's it's theoretical whenever you're comparing it to, you know, like people being able to afford food or, you know, the Yeah. the schools are worse or something like Thank god we live in a country where you don't feel it the second, right? Cuz I mean, I wouldn't have known that we were in a war unless I watched Asmin day, right? Which is pretty crazy. We're getting [ __ ] on gas. Gas has gone down. Like it that's crazy. I've literally never owned a car. So the gas price thing makes absolutely no sense to me. I don't know how to drive. I legally can't drive. I I have no idea what I'm doing. Like, do the gas prices change that much? So, they will change. There is a chance. It depends on basically how long until the ceasefire? Like, if the the longer the ceasefire goes, probably the more the gas prices will go down and the higher the probability is that they will stop the conflict in Iran. Like, because I think that's the reason I mean like you could see conflict in Iran starts, gas prices go up. Wow, what a surprise. So, I think really that's the that's the connection there, right? That's what's happen. What are the actual odds? Let's find out. I I I want to find out and see because I would say that the price it going like it being over I would say it's probably going to be over. Let's find out. permanent peace in June 30th 64% Iran contin God damn like wow so people are pretty positive about this straight of Hormuz traffic ends returns to normal by the end of April 11% of God 10 days left not looking good I'm legit [ __ ] I when I saw June I literally had to go April May June so I mean but people think it's going to be over in like a month or two yeah no they they think it's going to be over pretty fast, right? A ceasefire being extended. Invading Iran at 29%. Can Can we click on the invading Iran one? I want to know what that graph looks like. Oh my god. Look at the volume on these. $16 million. Yeah. Oh [ __ ] It got that got up to like 70%. God damn. Oh my god. Well, I guess that was like before the ceasefire, right? Yeah. I guess that must have been it. like a 50 to 60% chance is ins is insane. I wonder what they mean by invade though, right? Because it's like if we send like five guys over there, we kind of invaded, but I wonder like I mean they have like a a whole like specificity about it, but yeah. No, I I would say definitely you'd have I mean this…

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