Chapter 1: What is discussed at the start of this section?
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Do you have disability? I do have disability. What percentage? I'm at 100%. What was your disability? Mental health and a bunch of joint issues. Shut the up. Shut the up.
Guys, I am going to use my panic disorder for every excuse for everything I want to do for the rest of my life. I mean, you could have joined the military and gotten compensated for it. Also, how long have you guys been dating?
Chapter 2: How does the guest explain their financial situation?
A little over a year. A little over a year? She's been 18 for a couple months when we met. What?
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Hi, I'm Tommy. I'm 31, coming from Houston, Texas, and welcome to Financial Audit.
And I know, Chad, I'm with you as well. I wanted to have his fake name as Bing Bing. But we went with the most stereotypical white name I could think of, Tommy. Yeah, Tommy's a solid name.
And whenever you have Asians coming up with Asian names.
And he has such a cool first name too.
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Chapter 3: What challenges did the guest face during their career?
Such a cool first name. And we gave him the most generic fake white name ever.
But do you know any Asians whose names don't end with E? Can you see me right now?
As you were talking, I noticed they were very tiny. So I just wanted to make sure.
They are open. I can see you. Asians are very efficient in what we do.
Come on. You are. I know. So successful in everything, and I love it. I love it. Okay, so what do you do in Houston for a living? I really do appreciate you coming over.
So I work as a quality control analyst trainer. I've been with my company for eight years, transferred to my current role six years ago. What do you make? Uh... About a year ago, I was making close to $200,000 a year.
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Chapter 4: How does the guest justify their spending habits?
And then overnight, the company flipped a switch and that got cut to $60,000 a year. $200,000 to $60,000? Yeah. $200,000 to $60,000 is crazy. When did that happen? Base pay was kind of meh. It happened about May of last year. So how the f*** have you not left? I don't have a college degree. So you have work experience, so you're 31 at this point.
But everyone wants me to have a college degree or a master's degree.
It says that on the application, but you with your experience, don't get me wrong, the labor market right now is not great. So yeah, that extra push would help. But you're still in that, but you're getting to that age range, age group. Well, how long have you been in this position?
In this role, about six years. And specifically for the training role, I've been at it for close to four years. Okay.
So recently I did apply for... So with that, that is enough resume experience to go and get a better job instead of dishonoring your family right now.
I think my mom would be very proud of me. At least that's what she tells me. But I actually did apply to some other roles. One of our competitors actually that's newer on the market.
You don't have a non-compete? Oh, okay.
They never enforce it because we've lost a lot of people to turnover to some of our other competitors.
Okay, well, $60,000, not great. What hits your account per paycheck right now?
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Chapter 5: What are the consequences of buying art on a cruise?
And if he did, I hope it's because something actually happened. And if he didn't, I hope that's good that he didn't get something because I hope he's not disabled.
Well, I hope he's not disabled too. And again, this is for compensating people who aren't able to earn as much due to a disability.
We're not going down that again. We already went around that circle. I'm just saying I didn't need to sign up to get an extra check. I'm not complaining about your check if you deserve it, but all you're saying is you got betrayed. So if I don't have the full context, I don't have the full context. Shut up.
But you cannot say, I need to spend a shit ton of money on 12 cars and all this gun manufacturing because of my mental health. Everyone can just use that excuse for everything in this TikTok age. So how much have you spent on guns? Not a business. Manufacturing, not a business. No licenses.
Probably throughout my entire adulthood, probably close to $40,000 or so. But I do end up profiting on some of it. Some of it? How? I thought you can't sell. What are you profiting? I can't sell the guns that I manufacture, but I also collect and buy other firearms. I go to gun shows. I have an eye for rare things. Sometimes you find a unicorn and you resell it for profit later on.
Okay, I'd say half an eye, but...
Narrow visioned, would you say?
$40,000 on guns, some of them making collections. How much into the manufacturing?
Between parts and the tooling, close to $15,000 or so.
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Chapter 6: How does spending impact financial health?
They're gorgeous stuff. I found a Russian parts kit from back in the Soviet Union days, turned it into a functioning firearm, and it's gorgeous, so I'm happy with it.
Oh.
Would you like to see?
Nope. What else do you collect? Because I'm being told you spend a shit ton on collecting a lot of things. Oh, what? Luxury suits? No, not this one. It's Armani. It's Armani. Bro, it looks like literally anything you can get off the shelf at Walmart.
Yeah, but part of it's the tag. Are you going to show someone a Walmart tag?
How much was that?
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Chapter 7: What lessons can be learned from financial mistakes?
Take a guess.
No, I wouldn't. I honestly wouldn't know. That's not me, man.
It retails for $1,500, but I picked it up for $20. I'm a thrift shopper. Okay, well.
Okay, I'm okay with that. $20 is okay. How much are you spending on suits?
I thrift almost all my suits because you can get fantastic deals on them.
And do you do Armani or Armani Express?
Armani, the actual Italian stuff. And I do Josse Banks for their wool.
Okay, none of this means anything to me.
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Chapter 8: What is the Hammer Financial Score and its implications?
I think you just spend money, and let me guess, that's for your mental health as well?
No. For the suits, they can be used for a wide variety of situations. and a good suit will last you a lifetime.
Great, and you're not doing it any justice right now. Why the f*** are you even wearing it? It looks horrendous. And number two, your friend also thinks you're completely lying on how you got this suit just to justify it and not look bad about likely spending $1,500 on it. Your friend who came here, who I saw.
He can't prove I spent $1,500 on it. You can't prove. I can't prove I spent only $20 on it. You could if you gave me the receipt. I got this years ago.
How'd you pay? Cash.
It's a thrift shop. You ever heard the Macklemore song? I go to thrift shops all the time.
My girlfriend likes thrifting. We use credit cards. I like cash. I carry cash with me.
I think cash is still king.
Objectively, no, actually. In fact, you just make everyone's life more miserable when you are checking out with cash and coins like a weirdo. Contractors love cash. Yeah, so they don't pay taxes. 29 years to pay off. This is so stupid. So stupid. So it's guns. And then to your mom, which would be a cash advance anyway. I don't understand that. Or did she spend it on the credit card?
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