The Biggest Losers In Financial Audit History

Financial Audit

Caleb Hammer audits Shannon and Tanner, a couple from St. Louis struggling with significant debt and financial instability. The episode high

Key takeaways

• Tanner runs a small security company, Ozark South, which brings in roughly $1,200 per month.
• The couple is burdened by approximately $65,000 in debt, including a massive $33,000 car loan.

Main topics

• Entrepreneurial failure
• Marital financial tension

Notable quotes

Go put fries in the bag.

Conclusion

The episode serves as a harsh critique of pursuing 'entrepreneurial dr

Transcript preview

Speaker 2 (0:00) To watch episodes of Financial Audit a week earlier, check us out on YouTube. That lie we caught him in that you didn't know about? Guess what? There's another one he lied to you about. Speaker 3 (0:07) Now I'm finding out more, so please do explain. Told Speaker 2 (0:11) my wife I was gonna work out of town for a weekend and just stayed in a hotel alone for three days. What Speaker 3 (0:17) is that? Do Speaker 2 (0:18) you feel like he resents you? Speaker 3 (0:19) Sometimes. Do you guys have kids? Yes, we have two kids. Speaker 2 (0:23) Then it's no longer a f***. Speaker 1 (0:24) joke at that point my guy dude go put fries in the bag i'm not gonna go work a nine to five when i know i've you refuse i'm refusing only because i've i've never needed to do that if this Speaker 3 (0:35) is not what you want to do or where you want to be then you can go dollar Speaker 2 (0:40) wise referral games are officially live I want budgeting to spread like wildfire across the country, so I'm launching the Dollar Wise referral games with huge rewards. Earn up to $1,500 in rewards, get a chance to win a trip to Austin, and if you're the top referrer, take home the $10,000 grand prize. Already a Dollar Wise customer? Speaker 1 (1:01) Get in the game. Speaker 2 (1:02) Not a customer? It's not too late. Get 56 % off for life. Click the link in the description below and let the games begin. Speaker 2 (1:11) I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below. Speaker 3 (1:32) Hi, I'm Shannon. I'm 36 years old. Speaker 1 (1:35) And I'm Tanner. I'm 38 years old. And we're from St. Louis, Missouri. And this is Financial Audit. Speaker 2 (1:41) Yes, it is. Thanks for coming down. Shannon, you're in front of me. Let's start with you. What do you do for a living in St. Louis, Missouri? Speaker 3 (1:49) I am a general manager in a hospitality industry. Speaker 2 (1:52) Sure. We're talking a hotel. An Speaker 3 (1:55) attraction. An Speaker 2 (1:56) attraction in St. Louis. Yes, tourist attraction. Speaker 3 (1:59) I Speaker 2 (1:59) don't know what's in St. Louis other than having a black man murder you. Speaker 3 (2:04) Very common. I'm kidding. That's racist. Yes. Speaker 2 (2:10) What the fu- Yes, okay. Well, what do you get paid to be racist? Speaker 1 (2:15) So what's your- Speaker 3 (2:15) $78,000 a year. Speaker 2 (2:17) That's a good amount of money to be racist. It's pretty good. Okay, so what is that breakdown per paycheck basis? After taxes, about $1,200. Per- A Speaker 3 (2:27) week. A Speaker 2 (2:28) week? Speaker 3 (2:29) A week, yes. I get paid weekly. $1 Speaker 2 (2:31) ,200 times 52 divided by 12. It's going to average us out to- Why are you not mute? Do not disturb. One of you creatures. One of you creatures, what do I feel it in the table? $5,200 a month. First of all, I mean, in St. Louis, not a horribly expensive place because it's a metro in decline. You can do quite well on $5,200 just for the household. I mean, you guys are certainly probably above that metro's median household. But Tanner, what do you do? We're adding a second person to the household here. Speaker 1 (3:03) Yes, well, I'm an entrepreneur. Okay, Speaker 2 (3:06) f*** me. Speaker 1 (3:08) Right now I'm running a security company. Are you? Speaker 2 (3:12) Are you running a security company? Speaker 1 (3:14) I am. And what security company are you running? So I run Ozark South. I do mainly things, lots of parties, certain bars, contracting. And Speaker 2 (3:22) by Speaker 1 (3:22) running Speaker 2 (3:22) a security company, do you mean you show up to parties? Speaker 1 (3:25) No, no. I actually, I'm really into making sure that my people are secure. I do executive security. What people are secure? I don't know if I can. The Speaker 2 (3:33) kids Speaker 1 (3:33) at a birthday Speaker 2 (3:34) party? Speaker 1 (3:34) It's typically 21. Are you sure you're not showing Speaker 2 (3:36) up as a clown? Speaker 1 (3:38) Yes. No, this is, I take it pretty seriously. Speaker 2 (3:41) I'm Speaker 3 (3:42) mostly sure. Speaker 2 (3:44) Okay, good. Well, I mean, that sounds really nice. So executive security? Speaker 1 (3:48) Executive, some bands. In St. Louis, Missouri? Yes, when they travel to do some shows, I'll get contracted to kind of be their shadow and get a small team together. Yes. You. I'm short, I'm short. It's not about that. Speaker 2 (4:03) It's you. It's not a company. Speaker 2 (4:07) When I'm thinking of an organization with employees and stuff like that. It's a Speaker 1 (4:11) small company. It's me and a couple 1099 guys. Speaker 2 (4:15) Okay, so you have a couple contractors that go with you when you need it. Okay, I mean security is good. I got security. We need security. Security is wonderful. Before I even learn about the income, how do you feel about this? Because when I hear entrepreneur on this show, the amount of red flags going off in my brain. Speaker 3 (4:32) I get some of the same red flags. I'm not going to lie. Tell me. He's had a lot of business ideas. Which isn't Speaker 2 (4:41) a bad thing. Speaker 3 (4:42) Having the ideas is one thing. It's the execution that's a whole other thing. Speaker 2 (4:46) And Speaker 3 (4:46) seeing the fruits of labor is a different level. Do Speaker 2 (4:49) you Speaker 3 (4:49) see Speaker 1 (4:50) the fruits? Speaker 3 (4:51) Not very often. Speaker 1 (4:52) Right. There's been plenty of times where you've seen the fruits of that. Not very often. I'll disagree with that. Speaker 2 (5:00) Okay, well, if she gets a... Apple here and there over the course of decades, is that really something for her to hold on to? Speaker 1 (5:08) Well, I mean, when I look at the amounts from the past, from certain times I may have sustained something, you know, I look at it and go, hey, I mean, I did sustain you during this portion of your life. And, you know, I might be not getting the contracts that I want right now or things might not be as great as they should be, obviously. Speaker 3 (5:29) Sustaining for a month or two is different than years, though. Speaker 1 (5:34) I haven't just been a guy saying I have an idea and then I just don't do it. Speaker 2 (5:39) Tell Speaker 1 (5:39) me about the pay with this. It definitely can vary. Like the parties are poor. I mean, it does. It depends on what the parties Speaker 2 (5:46) are poor. Speaker 1 (5:47) I'm sorry. It's a poor pay. A lot of times. I mean, it's I get why are we doing them? Yeah, I get 35 an hour. The employees get 25. The people I contract, typically like 700 for Speaker 2 (5:59) the night. Speaker 1 (5:59) Sure, Speaker 2 (5:59) but Speaker 1 (5:59) what does this Speaker 2 (6:00) average out to on a monthly basis? Would he even know? Are you the one that's going to have to tell me? I'm having a feeling. Speaker 3 (6:04) I'm not sure he would fully know what it averages out to on a monthly Speaker 2 (6:08) basis. Speaker 3 (6:08) What do you think it Speaker 1 (6:08) averages out to, guy? One contract right now. No, no, Speaker 2 (6:13) no, no, no, Speaker 1 (6:14) no. Speaker 2 (6:15) I'm talking about a monthly basis. What are you bringing home? Average. Quarterly basis. Maybe it's easier to average that way. Speaker 1 (6:22) Maybe a thousand. Twelve hundred. Okay. Speaker 2 (6:25) Okay. I mean, thirty-nine. No, thirty-eight. It's a little, Speaker 1 (6:31) like, Speaker 2 (6:32) not incredible. Speaker 1 (6:34) Yeah. Speaker 2 (6:36) Are you guys married? Yes. Speaker 3 (6:37) Yes. How Speaker 2 (6:38) long have you been putting up with this man and his entrepreneurship? Speaker 3 (6:43) Eight years now. Speaker 2 (6:47) So what are you guys doing? What's going on today? Speaker 3 (6:53) I'm a little over his entrepreneurship. Speaker 2 (6:57) I don't blame you. Speaker 3 (7:00) It was fine when we first got married. We had agreed when we got married that he would spend five years building whatever he wanted to build. Really? Whatever entrepreneurship field he wanted to take. At the time, it was filming and acting. And at the time, he was making a decent amount of money, $600 to $1,200 a month, and he wanted to build on that. That's Speaker 2 (7:21) a decent amount of money? Okay, sure. Speaker 3 (7:23) For the area we're in. Yeah, the acting is in Speaker 1 (7:28) St. Louis. Hey, no, look, I will say, so I brought, I got a micro-budget film. I brought in SAG-AFTRA. I mean, I really. Yeah, that sounds like nothing. Yeah, micro-budget's pretty small, but I mean, I buckled down. I got actors. I mean, I had Netflix guys. Very good. You made a Speaker 2 (7:44) student film. I'm proud of you. I Speaker 1 (7:47) was better. Speaker 2 (7:47) Get a job! Speaker 3 (7:48) Do you guys have kids? Speaker 2 (7:50) Yes, we Speaker 3 (7:51) have two kids. Speaker 2 (7:52) Then it's no longer a joke at that point, my guy. That's where you go get a. Job and provide for your damn family. You're lucky she makes money. Here's the thing. You said you allowed him five years. Yes. Speaker 1 (8:04) That's Speaker 2 (8:05) incredible. Do you know how lucky you got? You know how many guys have a dream? You know how many guys go somewhere and you just catch them on a calculator doing their grand plan in their head? That's what guys do. No one ever gets the execute. Filmmaking and shit. Like, come on. Have a real dream. Let's be honest. But in reality. Speaker 2 (8:28) That's incredible that she gave you five years. Five years. What was the agreement specifically? Was this an actual agreement or was this like a little, you know, like we're walking by and you just said it? Speaker 3 (8:38) No, it was an actual conversation, an actual agreement that we had before we got married. How expensive was Speaker 2 (8:43) that agreement? Speaker 3 (8:44) That he would spend five years building his film, at the time, film business and acting career. And he was on the right track. Speaker 2 (8:52) Couldn't it be a real business? Okay. By Speaker 3 (8:54) the time COVID hit. We were about two years into this agreement, and he was making around two grand, so he was stepping it up every month. Speaker 2 (9:03) Sure. And Speaker 3 (9:04) then COVID hit. The independent film industry took a huge hit in that. Speaker 2 (9:08) In St. Louis. Speaker 3 (9:09) In St. Louis, yes. And he had a few independent projects that he worked on then. They all kind of crashed and burned for one reason or another. Speaker 3 (9:22) And then after we kind Speaker 2 (9:23) of came out Speaker 3 (9:25) of everything, I told him, hey, you can take another three years. I'll take the three years. Three years in addition? Yes. In Speaker 2 (9:34) addition? In Speaker 3 (9:35) addition to the five years. Wait, so where does that leave Speaker 2 (9:37) us? Speaker 3 (9:38) Here at this point. We're coming up. Is it now? Speaker 2 (9:41) It's Speaker 1 (9:41) done? Six months Speaker 3 (9:42) from now? About six months from now, it's done. And you're making Speaker 1 (9:45) $600 a month. More than that at times. So you went from being Speaker 2 (9:49) a professional theater kid to being a security guard. Speaker 1 (9:52) No, no. So, okay. There was Speaker 3 (9:53) many business ideas in between that. Oh, Speaker 1 (9:56) I'm sure. The kids and all that. Okay, so I don't ever say they're not my kids. They're biologically not my kids. So you just Speaker 2 (10:03) said Speaker 1 (10:03) they're not Speaker 2 (10:03) your Speaker 1 (10:04) kids. No, I get that. But so when I look at that, you know, I stepped in at a time where. He just said they're less Speaker 2 (10:10) valuable to him. Like he doesn't need to. That's what he's saying right now. No, I don't mean Speaker 1 (10:14) that. Why Speaker 2 (10:15) bring it up? Speaker 1 (10:17) Why say it? There's meaning behind it. The lifestyle that I was used to before meeting her, I guess. Very good. You married someone with kids. You adopted the Speaker 2 (10:25) kids into your, you are the father. Yes. And stepfather. Stepfather, yes. So. Why are you having to note this? Speaker 1 (10:36) No, just to, when I came into the relationship, I mean, I never necessarily wanted kids. After I met her, though. When you met her, did she have kids? She did, yes. Speaker 2 (10:46) You kind of knew what you were getting into. You can't really play ignorance on this. No, I did. I did. So part Speaker 3 (10:52) of that agreement, I think what he was trying to get at, is part of that agreement is he would be like the stay-at-home dad while he's building up his business type of thing. Speaker 2 (11:01) Stay-at-home dad for kids that you are very much clarifying immediately before 10 minutes into this conversation are not your kids? Speaker 1 (11:07) Oh, no, no. I raise them like they're my own. I never say that they're my stepkids or anything like that. Except Speaker 2 (11:11) for before we are even 10 minutes into this conversation. Speaker 1 (11:14) Right. I was very curious. Just because, like, the lifestyle I lived before I met her all the way up to that point, I mean, it was a lot different. I mean, it was night and day from where we are now. I don't know how to explain it more. I was ready to just get out of that craziness maybe. But I'm Speaker 2 (11:30) confused. How do we stay at home dad or five years of entrepreneurship? That is incredibly conflicting. His schedule was way more Speaker 3 (11:36) flexible than mine. So he took on the domestic duties and making sure they got to school, they were fed, all that kind of stuff. Speaker 2 (11:44) But that's not being an entrepreneur. Speaker 1 (11:46) No, I'd build a business from home. Besides the mall cop business, which one? One is working on the films, mainly films. I was doing casting calls. You have to be Speaker 2 (11:57) somewhere where there's films being made, dude. Where there's talent, where there's demand, where there's anything. Speaker 1 (12:02) That's one of my biggest complaints, too. Oh, is it? Yeah. Hey, Speaker 2 (12:06) you had that choice, asshole. Speaker 3 (12:07) He wants to move, and right now my kids are still to where film is more prominent. So what, Atlanta, Toronto? Speaker 2 (12:16) Atlanta, New York, Washington. Speaker 3 (12:19) He wants to move somewhere where film is more prominent, acting is more prominent. I don't want to move because right now my kids are still young. Speaker 2 (12:26) So you have like a realistic actual thing. First of all, she makes good money. She actually has something going on. She has a career path. She's able to contribute. She's taking care of her kids. Your dream has always failed and you're at the... End of the extended clock of your dream that she gave you, and you want to pick her up and her kids up and take her to somewhere you certainly can't afford? What the f*** is that? That's some Speaker 1 (12:54) selfish behavior. Well, I don't know. With everything, you know, if you're not seeing really what's going on and what I'm doing, I mean, I— Okay, then tell me. I do feel underappreciated for a lot of this stuff. I mean, I did step into this family, which—and I love them. I'll do anything for them. And no, I will. I'll do any. I would die for these kids, really. But is this Speaker 2 (13:16) stepping into the family thing that you're bragging Speaker 1 (13:19) about? It was totally new to me. You know, I didn't. I've never had a family. I mean, I grew up without family. No one does until you Speaker 2 (13:25) do. No, Speaker 1 (13:26) I mean, from 14. I didn't have family. I've been on my own since 14. I never really knew what family dynamic was. So it was a totally new thing. Have you ever watched a TV show? But Speaker 3 (13:36) I also made it known what you were getting into, and I gave you many outs. You Speaker 1 (13:40) did, but as time went on, you know, I thought I'd have more time to focus on things. I was going to be that guy that traveled around, and hey, I'll do this and bring in money. So Speaker 2 (13:50) stay-at-home dad that travels around. Speaker 1 (13:51) Well, no, I wasn't supposed to be the stay-at-home, and then we kind of, things happened. She had a babysitter, like a live-in babysitter before I came along, and she was taking advantage of her. I ended up throwing her out of the house, you know, for her. She didn't want confrontation. No, no, no. Speaker 3 (14:06) No. Speaker 1 (14:07) She was an idiot. She was just partying in her house when we'd be gone destroying stuff. She was young. She was 18. Yeah, it was crazy. I Speaker 3 (14:15) was giving her a place to stay so she could move out of her parents' house and get on her own feet. And in exchange, she was babysitting for me. Speaker 1 (14:21) Rent freeing. Speaker 3 (14:22) And then she stopped. What Speaker 2 (14:24) are like no way this man did that. Speaker 2 (14:27) Okay. Or Speaker 3 (14:28) at Speaker 2 (14:28) least attempt to. Then she said no and he kicked her out. Speaker 1 (14:30) No. She Speaker 3 (14:32) was helping me out to an extent. Speaker 1 (14:34) And that's when that happened. I threw her out. I said, look, I'll start taking the kids to school. I'll start doing this. In my mind, I guess it was going to be more of a temporary thing because at the time I was busy. I mean, I was 80 hours a week working on my film projects. I mean, I was still acting. I was coming to Austin. I was going to Atlanta. I worked on some pretty big projects, you know, with some companies. I mean, it was going great. But then until Speaker 3 (14:56) it wasn't until Speaker 1 (14:57) it was. And I just Speaker 2 (14:58) because what? Speaker 1 (14:59) Well, I just fell into this kind of stay at home dad. And then I started developing these feelings like, hey, this is my family. Maybe I need to do more of this. Speaker 2 (15:09) Oh, you started to actually Speaker 1 (15:09) love your Speaker 2 (15:09) family? Speaker 1 (15:10) I did. I mean, you know, it it took a while. I mean, a round Speaker 2 (15:13) of applause. What a hero. But Speaker 3 (15:15) at the same time, between all of that, I always told you if you wanted or needed to travel for work, I would figure it out. Speaker 1 (15:23) You didn't. Because at the end of the day, they are Speaker 3 (15:25) my kids and I'm the one that has to figure it out. Speaker 1 (15:28) But then as soon as I did do things and I did step out and I had to be gone, it's like, oh, well, you're gone and I have to do this, this and this and I'm working and I have the kids. That Speaker 3 (15:38) was your own Speaker 1 (15:38) feelings. Speaker 3 (15:38) I can't control how you feel about a situation. Just because I make a comment doesn't mean that's how I actually feel. You made the comment. But the comment wasn't based on feelings. It was based on logic. And you took it as feeling, not me. Speaker 3 (15:52) You took it your own way, and I can't control that. Speaker 1 (15:55) I mean, with that logic, yeah, I mean, I could say the same thing. You know, you took it your own way. But the way that you said it to me, it made me feel more like, hey, you've got to be at home. You've got to take care of this. I don't have anyone to take the kids to school. And, I mean, I had that responsibility. So I'm not going to bail on you, you know, at that time. And, I mean. My schedule was very flexible, so I could take time and say, well, you know, I don't have anything going on until tomorrow, so at least I can do this for the day. And Speaker 3 (16:24) you kept pushing off and kept pushing off and kept pushing off because you felt like you needed to feel a responsibility that wasn't actually yours. Speaker 2 (16:35) Do you feel like he resents you? Speaker 3 (16:37) Sometimes. Speaker 2 (16:38) Yeah, I'm getting that. Because he goes from Speaker 3 (16:40) living this bachelor life to where he could do whatever, whenever, and how he wanted to do it to taking on a full family unit without being eased into it. What the f*** did he Speaker 2 (16:50) do it? Speaker 3 (16:51) I ask him that sometimes. Speaker 2 (16:53) Yeah, if he's going to hold resentment, if he's going to hold onto it six years later, seven years later, whatever it is, and complain about it. Because Speaker 3 (16:59) he does make comments that say, well, I can't because of this. Tell Speaker 2 (17:02) me. I Speaker 3 (17:03) tell him. I will figure it out. If we need to make an adjustment to our schedule, we can figure it out. That's where communication is key. Yeah, he takes something I say the wrong way. Obviously, there's an issue with communication on that end. Okay. Let's talk about it. Let's fix it. But then we just keep circling around that same issue. And then he'll make other comments where it's like, well, I do all of this stuff for you guys and I don't get to do any of my stuff. And to me, that says I resent the situation I'm in because I can't do what I want to do. Speaker 2 (17:34) How are you dealing with that today? This feeling of resentment that is endlessly in the house that holds back every kind of conversation you try to have. Speaker 3 (17:43) There's days where I handle it better than I don't. You know, I do get emotional towards him. I tell him, like, if this is not what you want to do or where you want to be, then you can go. How frequently Speaker 2 (17:55) does that happen? Speaker 3 (17:57) Once or twice a year. Speaker 2 (18:00) What boils to that moment? Maybe you shouldn't be this person with a family. What boils to Speaker 1 (18:07) it? I'm not going to lie. I've had those thoughts sometimes. Just because, I mean, look, I'll be honest. I love them more than anything. I do. No, I do. No one's going to stand on that. Which Speaker 2 (18:20) is why you've had to specify that you're a stepfather and they're not your kids twice so far in this conversation. But go Speaker 1 (18:27) on. I just, I do feel trapped sometimes and maybe that's my own fault. In what Speaker 2 (18:34) way? How? Well, Speaker 1 (18:35) just because. kind of the dynamic she's used to, the way that she was raised. She got to be raised with this white picket fence family. And I'm not jealous of them. I love her family. It's great. But then I do wish, I'm like, I wish I could have grown up with that because maybe I would know how to control the situation more. You know, I'm not, I'm not the best equipped person for this situation. Sometimes I wonder, I'm like, what is she even seeing me? Like she met me, I was this crazy, I did whatever I wanted, you know, whenever, however, it didn't matter. And And I do get to a point where I feel a little trapped. It's like, well, I'm not just going to leave them, you know, but I'm like, well, I can't do the stuff that I want to do anymore either. Where do I go? It's just I just kind of clam up and box up at that certain point. Just go, where do I go from here? But Speaker 3 (19:24) you can do what you want. You're an adult. Speaker 1 (19:26) You know, maybe it's my own battles, but sometimes we don't communicate. I've tried to communicate certain things like, hey, you know. I really want to do this. And you'll be like, well, is that such a good idea? Or, you know, are you ready after that last project? And, oh, you know, don't let this happen because remember what happened with the last project. No, I'm not saying that. Look, you've supported. my dreams and stuff. I will not deny that. Well, Speaker 3 (19:48) I am Speaker 1 (19:48) going to support your Speaker 3 (19:49) dreams, but I also need you to take a step back and think through these dreams before you start on them because you do get passionate and you do trust too quickly and you get involved in stuff without thinking through every step to make sure it's the right thing. Speaker 1 (20:00) But sure, but in my most successful days, it was just, hey, I just went for it and I always made it happen, you know? So that's one of those things I'm like. That's who I used to be. Hey, make money up Speaker 3 (20:13) here. Speaker 1 (20:13) But things have changed. The Speaker 3 (20:13) world has changed. So you can't do that anymore. You have to change with it. Speaker 1 (20:17) And you Speaker 3 (20:18) haven't. You're still doing the same thing over and over, hoping for success. Speaker 1 (20:24) Well, I mean, it's out there. You know, I mean, you have seen, you know, they haven't seen the stuff I've done. I mean, I've made things happen. Yes, I've Speaker 3 (20:33) seen Speaker 1 (20:33) the Speaker 3 (20:33) things you've done, but that hasn't happened in five years. That's Speaker 1 (20:35) true. I mean, it's gotten slower over five years. I know Speaker 3 (20:40) what you're capable of. I've seen it, but it hasn't happened because what you're doing is no longer working and you're not willing to change it. Speaker 2 (20:47) Not willing to change it? Speaker 3 (20:49) His methods. He's not willing to change the methods in which he does things. Speaker 1 (20:55) You think that's true? I don't think that's true. Why does she think that's true? That's what I'm trying to figure out right now. You should know. Speaker 2 (21:03) You've had the conversations. Why do you think that's true? Speaker 1 (21:07) I guess because the way that I structure how I do a lot of these things, you know, I'm kind of, maybe I am stuck more in the mid-2000s to 2016 where things functioned a little bit different on trying to get, you know, projects together, especially in the entertainment world. Speaker 1 (21:25) Even in music. I mean, I do music. I do film and acting. I've always been in that, you know, my whole life. So I guess I'm not, I haven't caught up with the more modern world yet. I will say it's tough in the world we live in now with AI, with, you know, I mean, they don't use voiceover actors as much as they used to. They don't. They shoot commercials based on, you know, a text-based program instead of actually calling a crew in. I mean, that took a lot away from it. I'm trying to figure out how to adapt to that, but it's changing faster than... Yeah, Speaker 3 (21:56) but at the end of the day, Speaker 1 (21:56) you're Speaker 3 (21:56) going to do what you want to do. That's how you are. Speaker 1 (22:00) Well, I mean, what do you mean, though, as far as... If Speaker 3 (22:03) you don't want to change the way you're doing things, you're not going to change the way you're doing things. You're not going to adapt. Speaker 1 (22:10) Well, but I do want to adapt. I do. I'm just... I feel just trapped right now. But Speaker 3 (22:15) wanting and doing are two different things. Speaker 1 (22:19) Yeah, but I mean, you've seen me do. That's the problem. I have seen you do. I've said Speaker 3 (22:25) that. I have seen you do. I've seen the results of you doing. But once the world changed, you stopped changing with it. And now it's not working and you're not willing to see that. Speaker 1 (22:38) Well, I mean, do you think maybe some of that reason could be for these certain, I guess, boundaries that you've set up? I Speaker 3 (22:45) haven't set boundaries. The only boundary I've given you is Speaker 2 (22:49) the eight Speaker 3 (22:52) years now to make something happen. Which is incredibly Speaker 2 (22:57) reasonable, by the way, because it was five, then she gave you grace for COVID. Like, what the f*** is that? Like, come on. What, we shut it down for like six months? Pussy. Like, you have Speaker 1 (23:05) failed in an entrepreneur. You're not an entrepreneur. You're a failure. You're a mall cop. What are you talking about? Speaker 2 (23:08) Go get a job on a little scooter riding around the mall. That's all you've done. You'll make more doing that. Quick question. How many pouches are you going through by lunch? Two, four, six? Do you lose count somewhere between your third coffee and the energy drink you swore was just for the drive? Here's what gets me. Healthy people meal prep. They hit the gym and they buy the fancy sleep tracker, but they pop something in every 30 minutes that has their heart doing a drum solo at midnight. That's why lately I've been recommending people use ultra pouches. Zero nicotine, zero caffeine, and... Yeah, your first thought is cool, so what's in it? Lawn clippings? Ultra worked with neuroscientists on these. They use nootropics and adaptogens, Infinity PX for smoother energy than caffeine, L-theanine for calm focus, and Alpha GPC for mental processing, plus B6 and B12. You get one to two hours of focus and energy with no crash afterwards. I keep a tin right by my desk and now every employee's desk, and when I get back to work, I sit down. Just pop one in and I lock in. But there's no twitchy, paranoid feeling. Just clean focus whenever I need it. You still get the pouch you like. You just skip feeling like garbage two hours later. They're backed by Dak Prescott, Joe Burrow, and over a hundred other pro football players. My favorite flavor is this one, Blue Raz, as it reminds me of that tangy blue Kool-Aid flavor that I loved as a kid. They've also got Cool Mint. Wintergreen, Tropical, and Watermelon. Ultra