[2025-02-05] updates on my new life in DEVON [KMRcajFqbDI]

Come

on,

100, 203.

692.

Hmm, what? 700, 800— no,

700, 800,

900.

Okay.

2627.

And then this

one, F3. Yep.

Okay, numbers updated.

Yeah, we have 3 days until new house.

Got today, Wednesday,

Thursday. Nearly there,

just a bit longer.

I'm starting to get very bored here.

Why is Amazon debt split in 2? Because one

is, um, monthly payments on

a payment plan, and then the other one is

on a credit card, so they're not really

the same.

Yeah, so I did my furniture shopping

today. It's coming on Friday, and I spent

£895.

And I got— let me get the list— I

got a little fridge, like a little

Japanese square fridge. I got an

extra-large shaggy fluffy rug because the,

um, the main living room in the house is

made of kind of these cold tiles,

you know, like outside patio tiles. I

don't like the flooring, so I'm gonna get

this big carpet rug thing.

It looks like this.

I'm gonna get that, put it in the middle

of the room.

So it's nice and soft. And I got a

smartphone full-size tripod.

I got a large gaming mousepad.

I got a pro gamer gaming chair.

I got the maroon suede finish.

But that might not come on Friday, it

might come Saturday or Sunday, I don't

know. And I got the Blink security camera,

tatami mat, Japanese futon,

lumbar support car cushion, and a desk.

That was £900. The main things

that made it expensive was probably the

gaming chair at £150 when I could have

just gotten like a cheap office chair for

about £50. But I'm going to be sitting on

the chair all day. I need a comfy chair

with lumbar support. Now I'm getting old

and getting a lot of back pain. My back

still hurts. My back has just been hurting

every single day for about a month now.

It's actually insane.

I don't know why I keep getting back pain.

I've got to really take care of my lower

back now. And then also the futon.

No, not the futon. Futon was about $250,

but if you're gonna get a mattress, they

cost about that anyway. The tatami mat was

like— I can't remember.

Tatami mat is— why

can't it just show the price on the order?

$178. So I guess you could say the tatami

mat was not necessary. You can just put

the futon on the floor. Yeah, maybe, but I

need the tatami mat because it has

refreshing, relaxing scent of grass,

and I think that's going to help me with

my zen.

So it was £178 plus £250 for my bedding,

so like £400. I think that's a pretty

normal price for bedding. And what else?

Yeah, I got a cheap desk, so £50 desk, so

I cheaped out on the desk. I guess the rug

was £78, wasn't completely necessary, but

it's going to make it more comfortable.

So I guess you could have said, oh, I

didn't need a £78 rug, or the £178

tatami mat, or the £150 gaming chair,

and then you could have saved £350,

but whatever. And also, I still need to

get all the little bits and bobs, but I'll

get those at Tesco, and I'm thinking

that'll cost me under £100. So I need

single duvet, single bed cover, and single

bed sheet, and a pillow and a pillowcase.

That should cost like £30. And then I need

knives and forks, a plate, a bowl, a cup,

because I'm not gonna have people around,

I guess, and, um, cheese grater.

Towels, maybe just 2 towels, a small hand

towel, a bath mat, so when I step out the

shower, I step onto the mat. Hopefully

that will cost like £50.

Yeah, so another £100. Also, I gotta get a

washing machine still, but I feel like

I'll get that later when I'm all settled

in because I'll need a guy to come and

install it and everything. So I don't

really want that on the first date. I want

to settle in a bit more. My socks smell

really bad. Do I really need cheese

grater? Well, yeah, I'm trying to perfect

the— make the perfect carbonara.

I need to get hard cheese and I need to

grate it.

A washing machine will be £200. I'll put

it on my Amazon credit card because I've

got 0% interest on my Amazon credit card

So I think, yeah,

basically add another £300 onto my credit

card debts and that should be it, I think.

So £4,000 credit card debt.

The thing is, I don't know, probably can't

pay it off unless I work really hard

because I'm going to have to make— I've

got to make at least £1,800 minimum to

have anything left over. I'm going to need

to make over £1,800 a month.

Hand wash your clothes. Well, I've tried

hand washing my dirty rag that I use to

clean my car that's all gone brown, and I

was like rubbing it in the sink with soap

and it just doesn't come out. I don't know

what washing machines do. It just spins

them round and round, but somehow that

gets rid of all the dirt. I spent like 10

minutes rubbing my dirty rag in the sink.

It's still brown.

Your debt's growing and growing. Well,

that's just what it's like when you set up

unfortunately.

Why do you use words that do not exist?

Oh, in my world? Well, I was working

really hard for 5 months on Amazon Flex.

What are you talking about? I was doing

Amazon Flex every single day. So yeah,

when I find a way to make money that I can

do over and over again, I kind of get

addicted to it and I can't stop. The only

thing that stopped me was I got banned,

and then I kind of got addicted to Uber

Eats. I was doing it every day, and then I

had to stop because I got sick. I was sick

for like 3 weeks after Christmas, and then

all the Sunny drama happened and I got

depressed. So I could never— I never had

the chance to get back into Uber Eats.

Did I get the medieval game? What, uh,

Kingdom Come? Yeah, I got it, I tried it,

it was boring, I refunded it. It seemed

okay, but I just— I don't have the

patience to play games right now, and I

don't want to pay £50 for it, and it's not

going to get views. Maybe I can get— I can

make one video and it gets views, but I

can't make 50 videos about it. It's just,

it's just a linear RPG. There's not really

lots of videos you can make about it.

It seemed quite interesting. I mean, the

beginning of the story, you start off with

your band of knights, and then you go for

a swim in the river, and then your band of

mates gets butchered by a gang of bandits,

and they steal your special scroll.

Seems kind of like an interesting way to

begin the story. I was actually quite

shocked the bandits just massacred your

friend group, so seems quite

a good story. I don't know, I really like

the story in the first game, but it just

seemed like the first game all over again,

so I'm not gonna keep it. I refunded it.

You had been saving and paying off debts

before this. Yeah, and now it just racks

them all back up, plus some.

So I got a text message from the Every guy

today. He said— hold on— he

said, hi Dan, checking in with you,

see how it went on Saturday, to see if you

want to try this round closer to where you

live. I didn't reply because I don't know

what to say yet. I'm thinking of

asking him if I can do less work because

the full-time shift was so horrible.

I can't believe it. I went there so early

in the morning, 10 AM. You'd think, oh,

you get that done before it gets dark.

No, I was delivering well into the

evening. 7 PM. So it's

just too much. So I might ask him if I can

do a half shift and maybe if I deliver

everything on time and I get the bonuses,

I could make £40 for about 3

or 4 hours work. And then I tell him that

I've moved to a new house and I ask him if

I can do a route in between my new house

and the warehouse. And there's basically

nothing in between the warehouse and my

house. It's just countryside and farms.

So there's not even like a town or

anything. So maybe they got like farm

routes, but I don't really— well, if I had

to choose, I'd rather do a farm route than

a town route. But farm routes, they're

going to kill my car. The potholes are

So I don't know, I feel like I want to

move in on Friday and then on Saturday I'm

going to go and try Uber Eats because I

found a little town that's about a

40-minute drive away, has a big

McDonald's, and it's in like this town

which has a population of 15,000 people.

Now, I was doing Uber Eats in Aylesford

back in Kent, and that only has a

population of 10,000. And there were

plenty of McDonald's orders coming in. I

made plenty of money in that Aylesford

town, which only had 10,000 population.

So I'm thinking I go to this other town

outside of Plymouth. It's got 15,000

people and a big fat McDonald's with a big

car park. So I'm gonna go there on the

weekend, see how it goes.

If it's really bad and rubbish, then I

guess I'll reply to the Every guy and ask

him if I can do half-time, half part-time,

because I just don't see the point of

doing Every when I can do Uber Eats.

The money isn't good on EveryEat, so why

would I choose that over Uber Eats?

The good thing about Amazon Flex is

sometimes you lucked out and you got a

really easy route and it only had like 15

parcels and then you finish in an hour and

you still get the £50. Now I

looked in my car, I couldn't find parcel

16. I think it must have just fallen out

somewhere. But they didn't say anything.

They didn't say anything about how

I delivered to the wrong places, or it

just says you got 100% delivery

completion. Maybe it takes a few

days until they find out, like the

customer has to report me or something.

Don't know.

So I'm just like trying to weigh up the

pros and cons of doing Every versus Uber

Eats, and I just feel like Uber Eats would

be much easier, and I can just quit

whenever I want to and go home before it

gets dark. The problem with Every is

you're given like 80 parcels. You've got

to get it done. You can't just say, oh,

I'm tired, I want to go home. You've got

to get it done. There's no excuse. For

Uber Eats, you can just— you do one order

by one order by one order, and then when

you've had enough, you just turn it off.

I've actually turned my Uber on now, but

nothing happened. I've had it

on for like 2 hours. Zero pings.

Completely dead here. It says Exeter

is busy. But the map isn't

always correct. Sometimes the map, it will

say— it will not have the hotspot little

icon, but you go there anyway and you'll

get Uber Eats pings. Yeah, this area is

dead. The one I'm in now, I think the

population is— let me ask AI.

7,000 people and there's no McDonald's

here. So what even restaurants would you

get?

There's a Wong's

Fish Bar. There's a couple restaurants,

a bunch of pubs. But people don't

really get Uber Eats from a pub, do they?

These are all just pubs and

fish and chip bars. You need, you need

chain restaurants like McDonald's, KFC,

Subways. That's where you get Uber Eats

from. Random pubs, they're not going to be

on Uber Eats, are they?

Did I have more carbonara today? Yep,

it's day 4.

I think it's day 5 on carbonara. So I

tweaked the recipe a little bit. This time

I put the whole egg, whites included. I

noticed there's no difference putting the

whole egg versus only putting the yolk. I

really didn't notice any difference. And I

only put 1 egg and I had to use half the

pancetta because I've got no more pancetta

now and I've still got 2 more nights here.

So my third night, I won't have any

pancetta left over, so I'm just gonna have

to eat pasta on its own. And I've only got

one egg, I think. So tomorrow is my last

day of being able to make a full

carbonara. And then on Thursday night,

I'm just gonna have to have pasta without

anything else. Oh, I got cheese. I just

put pasta and cheese and some salt, I

guess, for Thursday. And I've got sausage

rolls, so it's fine. Yeah, it's a pretty

fatty, rich dish. I think that's why I've

been getting stomach problems,

but I feel quite satisfied. I've perfected

the recipe now.

And what else did I do? Yeah, the trick is

you put the pasta water into the frying

pan and then you let it evaporate a bit to

thicken it up, and then you add the egg

and But you turn the heat off when you add

the egg so it doesn't cook, scramble the

egg, and then you mix it up with the

cheese and it creates a cream, cream

sauce. So I have mastered the carbonara.

Yeah, it's tricky with Every because I

feel like I didn't make much money because

I was so slow. And I missed the ETAs and I

didn't get the bonuses. But if I was

better at it, maybe I'll make more money.

So if I got bonuses and all of it,

instead of £66, I might have made £80.

But even then, if you do a half shift, so

instead of £80 you made £40, that's still

not very good.

4 hours work for £40? I could make more on

Uber Eats. If it's an active area.

I don't know why the pace so bad on every—

Is the Sunny arc over or to be continued?

I don't know, really depends how

much she wants it.

She hasn't messaged again,

and I haven't replied,

so I don't know. And we were supposed to

go to IKEA together yesterday. That was

what we were planning to do.

Yeah, I don't think I'm gonna be able to

pay off the credit card debt within 2

months. Before interest starts kicking in,

so I'm probably gonna have to sell my

stocks to finance my credit card.

I've got £4,000 in Barrick Gold,

which is enough to pay off all my credit

card debt, and then I'll just have my

mum's debt. So then I'll have no credit

card debt. All I have to do is focus on

paying my rent and food and car,

and anything left over would go to my mum.

But I would want— really want to start

rebuilding my stock account, wouldn't I?

Gotta have investments. My goal is to not

resort to selling my stocks to pay my

credit card. My goal is to be able to make

enough money to pay it off from working.

You got an Amazon card? Yeah, I got the

£20 gift card, not £50. How'd you get the

Yeah, I still feel confident Barrick Gold

is going to do well. All they have to do

is resolve this Mali situation and they'll

be flying. I swear to God,

when they resolve the Mali situation,

it's going to go up like 15%,

probably.

Interest rate on a credit card's higher

than gains on your stocks. Yeah, I know,

that's why I really don't want to start

having to pay credit— I mean interest on

the credit card. The Amazon credit

card is 0% interest until July, so I'm not

really worried about that. It's my, my

main credit card that I got last year in

January in Thailand. It's coming nearing

the end of the 15-month introductory

offer. Why didn't you invest in gold? Why

Barrick Gold? Because if you look at the

charts, Barrick Gold outperforms gold ETFs

every single time during times of economic

crisis. But gold ETFs, they, they ramp

up steadily and slowly like that, whereas

Barrick Gold is like explosion,

and then it just dies and flattens off for

like 10 years. I noticed, um, there's a

pattern. So every 10 or 15 years,

there's some kind of massive economic

crisis that causes Barrick Gold to

explode. And then there's— and then it

comes back down when the economic crisis

is solved. And then it has about 10 to 15

years of going sideways.

So guess what? It's been about 15 years

since the last economic crisis, which was

the global financial crisis. We are due

something massive happening.

Barrick Gold has been going sideways

pretty much since the GFC,

so anytime now it's gonna go like that.

Problem is, it could be next year, it

could be 2027, who knows.

You— I'm probably way too early.

So there was the dot-com bubble and then—

wait, there was one before that. There was

something before the dot-com bubble. I

forgot. It was in the '80s. Wasn't that

the— there was like that time in America

when they raised the interest rates to

20%. Paul Volcker. And it crashed the

market, but he got rid of inflation. I

think it was that, like the '80s around

the Vietnam War time. And then next one

was dot-com bubble, 1995. So again,

15 years between the events, 10 to 15

years. And then after that, global

financial crisis. And then next one, we

haven't had it yet. We had little mini

ones like COVID and The

Trump trade war, but they weren't very big

compared to these other crises.

Did I do Uber Eats today? No.

No, because the town that's near my new

house that I'm planning to experiment with

is too far from here, and the town that's

near to here is too far from my new house.

So what's the point doing the town near

here when I'm not going to be here in a

few days?

So I just have to be patient. I'll wait

until Friday, I'll move in, I'll do a

stream, I'll set up my new house. See how

I feel on Saturday. I don't really see why

I can't go out on Saturday and try an Uber

Eats. I just have to make sure

everything's set up, like water,

electric, internet. I've got the water set

up. They've already added my name to the

water thingy. The water company contacted

me. So next thing, I need to make sure

electric is going to be working and my

internet is internet, uh, Sky Hub Max box

coming on Friday,

so hopefully everything goes smoothly.

Gold's going up. See, I told you.

Well, I'm still kind of mad at Sunny, so I

don't know if I really want to talk to

her. I keep remembering what she said and

it just angers me.

So I don't really care about the Amazon

credit card. I just, I probably will just

do the minimum payments or whatever that

is. I don't know what the Amazon credit

card minimum payments are. Let me ask AI.

I need to focus on the main credit card

really. Said it's

2.5% of your outstanding balance or £5,

whichever is greatest. Wow, it's Is that

it? 2.5% of £895

is £16, isn't it?

£20. God,

that was

some quick math. Yeah, so I'd only have to

make £20 a month minimum payments to the

Amazon credit card, and I'll just worry

about that in July, I guess. And then I

focus on the Amazon, I mean the main

credit card. But I'm really not going to

make £2,600 in 2 months after expenses.

That would mean I have to make £6,000 in

for this month and next month together

combined. I have to make £6,000. It's just

not happening. I mean, if I mean it could,

might, maybe happen if I make £2,400

a month times 2, that'd be £5K. But

that'll be a lot of work.

Yeah, it's not happening, isn't it? So

hopefully gold really goes up by the time

it's about April so I can sell it.

I will feel a lot relieved. I feel much

more relieved when I have that credit card

debt gone. The Airbnb really effed me.

Frickin' Airbnb. I paid £1,500

on the credit card to stay there for a

week. I should be there now, but because

the place was so rubbish, I had to shell

out another £470 to come back here.

So I really— the credit card debt should

only be £2,200, but I just couldn't stand

it there. I'm supposed to be there now,

but the internet was just so awful and I

hated that place. I couldn't stand it.

So it's a bit frustrating. If I knew I was

going to get a house, I could have just

booked this place for 2 weeks, which would

have cost about 1,000, but instead I ended

up blowing 1,900.

Why didn't you get any of that refunded?

Well, I tried, and then Sunny had a big

tantrum and then started having an

attitude with me. And then I called her

out on it, and then she blew up at me,

called me the shittest boyfriend ever.

He even said he'll be happy to offer a

small refund. And then Sunny was like,

oh, I don't want to push it. It's your

fault you pissed him off, Daniel. She was

being really horrible about it.

Saying it's my fault and stuff like that.

Well, sorry, I couldn't predict the future

and know that I was going to get a house.

So yeah, I tried to get the refund, but

Sunny just got mad at me.

And I did ask the guy in person and he

said, oh, out of my hands. Oh,

can't do it, bro.

He said, you got to go through the Airbnb

Resolution Center.

How would Sunny's story be any different?

This is all facts. This is not opinion or

subjective. This is all facts. This is

what happened. I asked

Sunny if she could book an Airbnb for me

for a month because you'll get the 50%

discount. I gave her the money, she booked

it, we went to the place, the internet

sucked, I didn't want to stay there

anymore, I booked this place again.

I wasn't banking on getting a refund. I

was completely— I completely understood

that worst-case scenario, I won't get any

of the money back, but I just knew I

didn't want to stay there anymore. And

that's perfectly okay. Perfectly okay to

take that loss. But I thought, you know,

it's worth a shot to ask if I could get a

refund. Why not? Always worth

a shot.

So to book 2 weeks there, it would have

been £1,200. To book 4 weeks is £1,500.

So it made sense To instead of booking

2 weeks, to book 4 weeks, because then

you've got extra safety in case I couldn't

get a rental. Oh well,

thanks. Can I have Sunny's number?

Promise it's not a plan to spit roast her

with Dave Gibson, especially given the

state of Gibbo's crinkled 5-incher. Is it

only 5 inches?

Yeah, so it makes sense, doesn't it?

Let's just, just imagine it. My state

of mind: oh no, I can't find a place to

live. It's taking so long. I think it's

going to take longer than I expected.

Better get an Airbnb for a month.

And then you think, oh, why don't you get

it for 2 weeks instead of a month,

Daniel? Because on Airbnb you get a 50%

discount if you book a month, which means

booking a month is only a couple hundred

pounds more expensive than booking 2

weeks. So I thought I'd rather

have the peace of mind knowing that I have

a place secured for a month.

But I didn't realize the place would be so

rubbish. Rats in the ceiling,

internet on and off.

Never live on a farm, guys. Never book an

Airbnb on a farm. They are not nice

places, and they're usually in the middle

of nowhere where there's no phone signal.

And the internet's rubbish. The stupid

idiot host put the Wi-Fi, wireless Wi-Fi

box behind a brick wall.

Of course the internet's gonna suck.

The main internet was coming from his

house, which sent out a signal to the

router in the Airbnb wirelessly.

Obviously the internet signal is not going

to be good then. How is it gonna penetrate

10 inches of solid stone and have

a strong signal? The guy was just not like

a tech guy at all because he's a farmer.

So yeah,

that is the story. How much have

I spent since moving away? Like £7,000.

I spent £1,000 on furniture, £1,900 on

rent and deposit for my new place. So

that's £3K, £1,500 for the Airbnb. So

that's £4.5K and then £1,000 on the

first Airbnb and hotels that we booked

when we first got here. So that's like

£5.5K and then, I don't know, hundreds on

charging my car and buying food.

How was I able to pay for it? Well, my mum

let me borrow £1,000. I already had

£1,000, so I had £2,000, and then I put

everything else on the credit card.

So I've got £2.6K on the credit card,

£900 on Amazon card.

Debt's racking up.

And I had— oh, I had to pay holding fees

for 2 places, and I'm not gonna get one of

them back because I ghosted them.

Someone reported you to the HMRC.

For what? I didn't pay tax last year

because I made like £13,000 and

I was in Thailand for 2 years. So even if

they say, oh, that doesn't count, Daniel.

Yeah, well, I still only made £13K, which

is only £500 over the tax-free

threshold. So I would have— and also I can

easily write off at least £500 in business

expenses. They can't touch me.

I barely made any money in 2023. That's

why I didn't pay any taxes this year,

this January, for 2023 to 2024.

And 2024 tax year starts in April and ends

in April 2025. So we're still in 2024 tax

year. So I have to pay that tax year. In

January of 2026. So yeah,

I'm not really worried. I've got all my

expenses on my spreadsheet, all the

statements. If they want it, I can easily

just send it over.

It's frightening how expensive it is.

They haven't even got a washing machine.

Well, in the new place, they don't even

have a washing machine here. They didn't

have a washing machine in Airbnb. No one

has any washing machines in Devon

apparently. Maybe just no one washes their

clothing. They all smell all the time.

Why did you have to pay tax when you lived

in Japan? Because my dad died and I went

home and I was at home for over 90 days.

And because of that, they said, oh, that

doesn't— that means you're not allowed to

claim that you were a non-tax resident for

the UK. Said because you were living

in your mum's house during these periods,

Because I was at home quite a long time,

wasn't I, when my dad died?

And then I went to Germany, didn't I, for

a holiday? And then I came back home. I

thought I was— I

thought I was in Japan for longer than I

was in the UK, but apparently I wasn't.

Yeah, I was. I missed the, the mark by

about 5 days. If I was in Japan for 5 days

longer, I would have counted as non-tax.

UK tax resident.

And also when I was in Rotterdam, I

couldn't count that I was non-tax UK

resident because again I wasn't in

Rotterdam long enough by about 6 days. If

I just stayed in Rotterdam for another

week, I might have been able to claim

But anyway, I didn't make much money in

2023 when I was in Thailand, so not really

bothered.

I'm going to have to pay probably about

1,700 in taxes next January,

so I got to save up money, put money aside

for the taxes. I got to pay off the credit

cards. Don't even know when I can start

paying my mom off.

Or because you wanted not to share a house

with others. Yeah, when you see my new

house, you'll understand. I don't know

why, but it's only when I start streaming

my elbow rash gets itchy. The whole

day it's fine, and then when I stream it

gets all itchy.

Don't see you staying there for longer

than a year. I don't know. It depends.

Maybe it's just too much work,

and then I give up and I go home. Or maybe

I really like having my own place, and it

motivates me to work more and make more

money. Who knows what's

going to happen? Nobody knows. That's why

life's so exciting.

Maybe I'm like, oh, it's too hard to work.

I can't do this. I'm just going to blow

all my stock money to be able to pay rent,

and then I'm going to leave after the

tenancy agreement and go home.

Sometimes the stupidest outcome is the

likely outcome. Like when I told Sunny I

got the house, she was like,

wow, hopefully we don't break up then.

And then we literally broke up. You joke

about things and then they become true.

I predict 6 months like in Manchester.

Yeah, Manchester didn't last long, did it?

But in Manchester I had OnlyFans and my

YouTube was still making good money, so I

didn't have to worry about working. This

is a different situation Because now I've

got to actually work because my YouTube is

not enough and I don't do OnlyFans

anymore.

So now also I've got more expenses because

I've got a car and I've got car insurance

and I've got these other expenses like my

monitor. I thought maybe I sell the

monitor, I can get maybe £800 for it,

and then I'll use that towards the credit

card, but then I still gotta pay the

payments every month.

I'm not sure about Every. I was really

about to have a mental breakdown doing

Every, but maybe I was too hasty. Maybe

I'll give it another shot and maybe I'll

be a bit better this time because I'll

have more experience. I thought because I

did Amazon Flex for 4 months, I was like,

I'm a pro delivery driver. This is going

to be easy. And I

just did so badly. I missed 80% of the

ETAs, delivered things 2 hours late. I got

lost and then I lost the parcel. And then

I don't even know if I delivered a bunch

of parcels to the right place.

How we ever saved money for a house?

Yeah, I don't know, that's just not

happening unless I make £2,500 a month.

Even then, I only have about £600 left

over a month, so even after a year, I'd

only save about £6,000.

So at that rate, it will take 5 years if

I bust— I can't bust my balls off working

full-time for 5— there's— I can't even do

it for 5 days. So I don't know.

My fear is I end up living paycheck

to paycheck, not being able to build any

kind of savings like most

people in this country. I guess that's how

you get stuck, and the only way out of it

is to get a better job or cut expenses

drastically. And I've tried to cut my

expenses as much as I can, but things like

the car payments are destroying me because

I've already paid £6,000 into my car.

If you just got a normal car, you would

own it by now and you wouldn't have to pay

the monthly payments anymore of £200 a

month. And also

other things like the monitor, £50 a

month.

It's going to be tough. My options

are I do Uber Eats or I try this

everything again.

Why did you need the big-ass monitor

anyway? Well, when I got it, I was living

at home with my mum and I thought, oh,

£25 a month is nothing and I need a big

monitor because I want to do gaming and—

yeah, basically for gaming.

But now I don't really care about gaming,

to be honest. This is not the time to be

gaming. This is like fight for survival.

But I feel annoyed if I sell it, I won't

be able to get £1,000. It's £1,000 brand

new, so obviously I want to sell it for

less than that, like £700, £800.

But then I'd use that to pay off my debt,

and then I'd still be paying the monthly

payments. So it doesn't really make any

difference, does it? Plus, I'll be missing

a monitor. That £800,

it will just disappear into the wind.

Poof. And I'll still be paying the monthly

payments and I won't have a monitor

anymore. Also, having the monitor on all

day would cost about £10 a month in

electricity according to my calculations.

But I guess it won't be on if I'm out

working. So maybe £5 a month.

How does it disappear? Because I'll just

put it into the credit card and then it'll

be like, oh, it's gone.

I will pay the credit card. I just don't

want to have to lose the monitor in order

to pay for it. I'd rather sell some

stocks. I still got £250 in crypto.

I bought a bit more Ethereum when it

crashed 20%, about £50 worth.

We'll have to see. Really, the true

starting day of my new life is going to be

Friday. Everything up until Friday is just

trying to find a place to live and blowing

a lot of money on Airbnbs and hotels. The

real starting date will be on Friday.

That's when I have my place. There'll be

no excuses. I will be able to do

everything on my own terms. No more

waiting around. Right now I'm just like in

a state of limbo where I can't do anything

because they won't give me my damn keys.

I just need to set up my home and then get

to work. That's all I want to do. I just

want to set up my home, get to work.

I'm ready. Ready to go. Come on, give me

the fucking keys. Let's go. I can't do

anything right now. It was pointless

because I leave here, I get to the

destination of work, and then I have to

get home and drive around working. I'm

gonna have to charge my car. It's gonna

cost like £18 to charge it. So even if I

make £60, you're minus £18.

It just feels kind of pointless to work

now and drive 100 miles and then pay £15.

It's only going to be viable when I can

charge at my house, or at least the Tesla

Supercharger.

I'm talking about Uber Eats and, and

BeLivery and Just Eat

and Deliveroo once I get approved.

Does he even like anything about Devon?

Yeah, it's really pretty. I've seen some

very nice landscapes, and also my

new house, the garden is next to a field

that's gonna have cute little animals in

it. I'm hoping it's gonna be sheep,

not cows. I don't like cows.

Really nice view. I don't really remember

it well because I remember doing the

viewing and I was thinking, yeah, there's

no way I'm getting this place. I wasn't

even paying attention during the viewing

because I thought, yeah, what's the point?

I'm not gonna get it. This is too nice.

It's £900. Why would they give it to me?

And then I literally got it and now I'm

trying to remember what was it like again?

Kind of forgot. I remember there was

really nice views from the garden of like

valleys and farmer fields.

And I remember— I don't

really remember it well.

Yeah, I've got to change the address on my

driver's license. I've got to apply for

council tax. Got a lot to do.

£900 a month plus how much is your car

payment? So basically all the

expenses are going to be £1,847 roughly.

It depends how much my electricity is

going to be because

my expenses already about £400— car

insurance, monitor, live USOLO, Phone

bill, rent's £900, council tax £150,

electric probably like £100, water's about

£40 a month, uh, internet's £25 a month.

YouTube brings in about £1,000 a month,

so I'm gonna have to do work to make up

the remaining £800.

Yeah, I have to still factor in the LiveU

for the next 2 years. Really regret

getting that stupid box. Didn't even do

anything with it apart from one stream.

Yeah, I used it twice, chucked it in the

bin, and then smoke started coming out of

it. Wait a minute.

I think carbonara makes me fart. Every

time I have carbonara, I'm very gassy.

Why is that? Is it the egg?

And it smells bad.

Don't, don't make carbonara if you have a

girl over. You're gonna stink up the

place. Yeah, maybe it's the cheese. Maybe

I'm lactose intolerant. Who knows? I

shouldn't be because I've got the European

genes from my father.

If I was going back to Thailand, where

would I live? I would live in the central

Bangkok area. I forgot

the names of the place.

Sukhumvit is the main bit, isn't it?

Asok was quite nice. Bang Sue.

Yeah, that's where I lived. It always made

me laugh every time I heard that Bang Sue

on the station announcement. I was like,

hmm, Bang Sue, don't mind if I do.

A soy cowboy. Yeah, soy means

street in Thai.

Succumbent.

My school was nearby Victory Monument.

I went to Victory Monument every day and

then I walked about 5 minutes to the

school. But everyone else went to the

other station, Ratchathewi or something

like that.

Yeah, I kind of miss Bangkok sometimes.

Good times I had there.

Now it's just a distant memory. Back then

it was my— it was like

my prison, my nightmare. I felt like I was

trapped in Thailand and I was going to be

stuck there forever. And now I'm out of it

and it's over and it's just a memory. I

feel kind of nostalgic over it. I'm like,

hmm, kind of miss it now.

But that's just what life is. Everything

always seems better when it's over. Why is

that? When you're doing it in the moment,

you don't really understand or know yet

how much you're going to miss it. Every

single damn time you don't appreciate the

moment, and then when it's over, you miss

it. But what are you supposed to do?

I did try. Like, when I was in the moment,

I was like, okay, I'm in the moment.

Appreciate it. It's like, well,

how do you appreciate it more even though

you know it's going to be over? You can't

really do anything. It's like we all know

we're going to die. We all know it's going

to be over at some point, but we still

whinge and moan every day about how much

life sucks. Okay, I'm going to try and

enjoy it more. Wow, it's so great.

I'm alive and not in pain.

What do you even do?

Okay, I'm enjoying it more now.

Look at the ceiling, it is white.

My fingers— there's just like nothing you

can actually do.

You still end up feeling the same once

It always just feels sad, but all you can

do is move forwards.

Don't go backwards. Going backwards leads

to pain, leads to suffering.

Leads to the dark side.

You just have to put it behind you and

just focus on what you're doing now and

focus on your new life.

But some— it's a stupid YouTube channel.

Video documenting everything you've done

in life seems cool, but then you end up

looking back at the old videos and it just

bums you out. Because it just makes

you feel like, wow, life was so much

better. Now it's kind of shit and sad.

I might cancel the house insurance. I

don't know about that. It's £20 a month.

Well, they did say if you break something,

they will reimburse you. And I said,

what, even if it's my fault? And they

said, yeah. Hmm. Wouldn't it be a shame if

I accidentally shot my monitor with a BB

gun again? They did say even

if it's my fault, they'll give me the

money for how much it's worth. Whoops, I,

um, drove my car into the lake. Can I

have, what, £12,000?

I feel like they won't fall for that. But

it just seems weird. How do you know that

it was an accident and I didn't break it

on purpose? I should have asked him that

Wouldn't it be a shame if my expensive

monitor fell off the table and broke?

Don't cancel the insurance. Are you sure?

Sunny might break in and smash my house

up, so maybe it's a good idea.

So how do you claim anything if you're

just scared that they're gonna accuse you

of doing it on purpose? What if it

actually was an accident? How do you prove

it was an accident? Unless I just

livestream my whole life 24/7, which I

could do. Should I just livestream my

entire life? Never-ending stream.

Someone did that on Twitch. There's some

girl doing like a 500-day

subathon, never-ending stream.

Yeah, so main goal, get rid of credit card

debt. Secondary goal, work on the Amazon

credit card. Tertiary goal,

mum debt. The other ones are monthly

payments anyway. The Amazon debt That's my

monthly payments of £50 a month for the

monitor and the LiveU. The car debt is

monthly payments anyway. It's not like I

have to pay it off really quickly. It's

already priced in as a 4-year payment

plan. So it's not like, oh, I have to go

get £14K now. No,

I'm not worried about that. I'm worried

about the credit card because that's going

to be like 30% interest rate.

Do I have old tech I can sell?

I've got that, um, you know, that webcam

that follows you around. It's probably

only worth £50 though. My monitor is my

most expensive tech. My laptop, I need my

laptop obviously.

I'm sure it'll be fine. Don't need to

I might have to get some water. I keep

forgetting to drink.

This laptop's not really worth much. I

bought it brand new for about £1,000 in

Thailand. So, it's probably only worth

like £500 now. It's been a year, more than

a year. Get water.

I forgot to do the washing up, my

carbonara pots and pans. I'll do it

It's bizarre. You inherited $30K. No,

I inherited $20K and

I basically lost $30K on tax penalties and

stocks.

I thought I was going to be rich. I put

all my money into these meme stocks

thinking— well, they did, they did

go up about 20% and I had massive

gains, but I got greedy and

I thought I was going to get 200% gains,

I'm going to double my money.

And then I woke up next morning, the whole

market's crashing. Very dangerous.

I got really addicted and I got hooked on

the gambling aspect of it.

Oh, so good.

I forgot how salty my pasta was.

And then I was stupid about taxes. I don't

know why I thought they wouldn't find out.

I just thought they wouldn't care. I was

only making a couple thousand a month.

I didn't think it would be a big problem.

And then I also thought I could say I was

living in Japan, but they didn't let me do

that for 2018 and

'19. They wouldn't let me say I was living

in Japan.

I don't get it. The problem is the year

doesn't start from January to January, it

starts from April to April.

Technically,

I don't know. I'm getting confused now.

Whatever. So over. I just

thought I wouldn't have to worry about it

because I was living in Japan for two

years. But then my dad died, so 2019

didn't count because I came back home for

a few months. And then 2018 didn't count

either because.

2018 April until 2019 April.

I don't understand why that didn't count.

Why did I ban everyone who mentioned tax?

Because they kept saying that I'm

committing tax fraud when, in my opinion,

I wasn't.

You would think if you were living in

Japan, married to a Japanese woman, that

means you wouldn't need to pay tax to the

UK. Why would you not think that?

But they got me. They caught me out

Some silly rule like if

in the previous 180 days you were

living in the UK for 90 days or more,

that means you were UK citizen.

Actually, I didn't even set up my

self-employed tax account until way later

after my channel blew up. I didn't even

have a tax account until late

2018, and then I started to worry about,

oh yeah, maybe I should. Because I did pay

a little bit of tax, but I didn't put in

the correct amount. I just put in like a

random number, and then I paid a couple

hundred when I was supposed to be paying a

couple thousand. No, I didn't

pay tax to Japan. Chihiro kept going on

about it, saying, oh, you should— we

should go down to the town hall and you

gotta register for tax. And I kept saying

no. Because I knew we

were going to get divorced because I

didn't really feel like we're not going to

be married forever. This is a waste of

time. So I

never took it seriously.

But maybe if I was paying tax to Japan, I

could have told HMRC about that and then

they wouldn't double tax me. Because I

think if you're paying tax to another

country, the UK won't tax you because it's

not America. We don't do double taxation.

Yeah, well, too late now, is it? I'm never

gonna go viral again. Stop admitting to

breaking laws. Well, they've already said

it in their report. They said, it has come

to our conclusion that you were

misleadingly not reporting

the correct numbers to reduce your tax

owed. Therefore, we will give you A 40%

tax penalty. So they've already punished

me for that thing,

so I might as well just admit it.

Now I just need to make sure I don't get

in trouble for all the money I made from

Amazon Flex. And make sure I include it in

my income reports for this

tax year, which I will.

I'm not gonna try and escape it now.

Yep, taxes and thinking I'm a stock guru

is what cost me £30,000.

If you're gonna get into stocks, Just put

in tiny amounts of money and don't buy

things all at once. And don't

buy meme stocks.

That's my advice. If you

have— imagine you've got like £10,000 and

you want to put it in stocks. Don't just

buy all at once. Spread out the payments

so you spread out your risk. Just say,

oh, I've got £10,000, I'm gonna put an

automatic payment, £400 a month

into this, this and that.

But I was impatient and greedy. I thought,

I'll put it all in now. It's going to go

up any moment.

That's my advice after 4 years

trading the stocks. I only

dollar cost average into New positions

now. How can

you watch Caleb Hammer make such bad