life updates - sad and alone [Mbw5bzaK8yM]

Testing.

Is it

Okay, it's so hot today. It's like 30

Hair looks bad.

Get electric fly swatter. No, my badminton

racket works fine. Don't need to waste

money. Where's the Tesla? Yeah, so I

decided not to get the Tesla. I've still

got 2 days, I think 3 days left until my

reservation expires.

Maybe I could change my mind.

No, I guess it's a bad idea. Why is there

sweat everywhere?

It would just be a waste of money, and

then I'm stuck with a Tesla for 4 years.

Okay,

today's topic: I am

Bored and broke.

Uh, yeah, it's so hot today. I played

football in the garden just now, which is

why I'm sweaty. But I can't stay out there

too long, otherwise I get sunburn. Did

gardening yesterday. The days are

dragging. Oh wow, thanks,

Ailus. Get the Tesla.

Getting the Tesla would wipe out all my

money and put me into more debt. It would

mean I have to sell all my stocks to pay

the $5,000 deposit and then the $2,800

insurance.

So I'd have no stocks, and then I'll be

adding an extra £450 a month to my

expenses for 4 years. Not great.

Not a good idea.

Oh wow, thanks a lot. Get the Tesla. I

can't afford it. It's the stupid

insurance. Insurance is so expensive for a

Tesla. It's annoying because if I lie and

I put 2— I've got 2 years no claims

discount, the insurance comes down way

loads. So if I just had 2 years,

it could have reduced it a lot.

Would you buy Tesla stock? I've got 6

shares of Tesla.

I don't know about this buying a car

thing. Just, I don't know about it.

It's such a pain in the backside.

Maybe I just rent one. If I need to go on

a trip, I just rent one for a few days and

it'll cost like £100.

So I was watching that guy Robert

Kiyosaki, and I think it's because I

watched his videos it made me change my

mind. So he says, um,

never get into debt to buy liabilities

like a car, holiday. He says,

he says get into debt to buy assets.

I keep getting into debt to buy

liabilities like phones, holidays,

hotels. None of the stuff I buy generates

any money. I need to buy assets.

So I thought, what if I buy a house and

then I get a bank loan and I get a

mortgage and then I rent the house out

like Robert Kiyosaki does?

I thought instead of buying Tesla, what if

I buy a house and then I get

the tenants to buy my Tesla for me?

That's what you're supposed to do. You're

not supposed to spend your money buying

things you want. You spend the money

buying assets and then you— the assets

generate the money and buy the things for

you. That's what it's supposed to do.

So I think that's why I changed my mind

about the Tesla, because I thought, why am

I getting into debt to buy a liability? I

should get into debt to buy assets.

So then I started asking AI, should I buy

a house? But then it seems like a big pain

in the backside doing that. Just stick to

stock market. Phones and cars are assets.

It depends what you do with it. Like, if

you're gonna flip the car for profit— but

I'm not gonna make profit out the car

because I don't have a car business and I

don't have a job. So for me, it'll be a

liability.

So if I was going to get the Tesla, it

would only be— I don't know— if

I become financially successful.

Otherwise it's pointless.

Crazy to me how you have no money, your

mum doesn't give you guys any money, but

she has £5,000 Walmart Is it really

£5,000? I actually don't know

if that's even a good lawnmower.

I guess it seems good.

Do you think it's a good idea to get a

mortgage? It says I could buy a £100,000

property and get a mortgage. If I can put

down a down payment of 20%. So all I would

need is £20,000 to put down a down

payment, and then I get a mortgage of like

£500 a month, and then I rent it out, and

then the tenants pay me like £1,000 a

month rent, and then they pay my mortgage,

and then after 20 years I get a house for

free. It sounds pretty cool.

There's loads of properties for £100K. In

like Margate, Folkestone, like a little

flat. 2% loss a year to

what? Property appreciates 3% annually on

average.

You left your Thai girlfriend to be with

another girl. In the video you talked

about how chasing women ruined your

finances.

Hmm, yeah, I feel kind of weird about Thai

girlfriend recently.

Don't know, I feel bad about it.

This is what I was scared of, to be

honest. I knew I'd feel bad breaking

up with her.

It's too complicated. I can't figure it

out, to be honest. 'Cause I thought I

didn't like being with her, and I thought

leaving her would make me happier. But now

I feel kind of sad that I

failed her or something.

I don't know, it's like all twisted up in

my mind right now. How did you

fail her? Because she wanted like a life

partner and family, marriage.

And then she spent like 2 years trying to

accept me. Now I feel bad about it,

but then I kept thinking, Oh, I don't want

to live in Thailand. We argue too much.

It's not good for my YouTube channel.

Nothing's good for my bloody YouTube

I really was fed up of Thailand,

but now I don't know, it feels like— I

mean, Bangkok was a nice city,

and then I felt like I missed my home and

I missed England, but now I'm in my home

in England, I feel a bit bored.

Don't know what to do.

Get a job? Well, if I have to get a job,

then what's the point doing YouTube

Besides, getting a job won't really solve

the problem. So the problem is I want to

make money by not getting a job?

How do I make money by not getting a job?

So even if you gave me £1 million, I don't

know how to turn the £1 million into £2

million because I'm stupid. I would just

blow it, like buy a Tesla, iPhone,

and then lose it in stocks. So getting a

job is only good for raising money. But

what's the point raising money if you're

just gonna blow the money? It's pointless.

I want money if I can use the money to

make more money. I don't want money if I'm

just gonna make less turn it into less

So I thought, what if I get a job and I

work 1 year and I make $30K, and then I

buy a house and then get a mortgage? Do

you think that's a good idea?

But then it would take like 20 years.

Until the mortgage is paid off, but I

wouldn't be paying it. The tenants would

be paying for it. And then I get a free

house after 20 years. But what if you just

put $30K into the S&P 500 for 30 years—

for 20 years? Annually, the S&P 500

returns 8 to 10% a year, and then you

compound it. After 20 years, $30K could

turn into $500K. But after 20 years, $30K

buying a house would turn into like $900K

plus you get a house and then just kick

them out and then you can live in the

house. You can't live inside the S&P 500.

What would you do with $20K if you just

magically got $20K and you're not allowed

to buy like a car or phone? It's got to be

used to buy assets.

But you could buy 50 cows and then sell

milk. Buy a piece of land and buy a cow

and then milk it.

So I was asking AI yesterday, what's the

difference between putting $30K into the

S&P 500 after 20 years compared to using

$20K to buy property and then renting it

out? And I forgot what it said.

No guarantee, always have tenants. Yeah,

that's a problem. So many things can go

wrong, like you get bad tenants and they

trash the place, or they don't pay rent,

then you've got to kick them out, and then

you've got to find new tenants, and then

you've got to fix things that break,

and then you've got to pay legal fees like

solicitors to make contracts, and you've

got to pay insurance and landlord

insurance. And other stuff so you don't

get sued. And you've got to pay a

management company to find tenants for you

and list your property. Oh my God, it's

such a pain in the backside. Can't be

bothered.

I watched that, you know, that Clear Tax,

Clear Value Tax guy, the Asian American

guy. He made a video talking about real

estate investment. And he made it sound

like such a hassle.

But at least you get a house. I mean, if

everything goes wrong, you can live in the

house maybe.

Or why don't you just get a dividend stock

and then you get like 6% dividend yield

every year plus gains if the stock goes

up? Isn't that like

renting out a house?

So I don't know, property seems like a big

headache.

So I want money, but I need to know what

to do with the money before I try and get

the money. I don't know what I'd do with

it. No, I'm not buying stupid Tesla

Buy gold and silver. I'm so annoyed

because I predicted that gold would go up

2 years ago, and I was right. But I bought

a stupid gold mining stock instead of

actual gold. So you can get a gold

tracking ETF that goes up with gold,

actual gold, and that's gone up like 40%

over 2 years, and my stupid mining stock

has gone up like 8%. I should have just

bought this gold ETF that tracks gold.

Why did I get a stupid mining, gold mining

stock. Yeah, I got dividends,

but the dividend yield is only 2.2%.

So the stock's gone up for me like 5% plus

2% dividend. So I gained like 7% when

I could have gained 40% if I just bought

the bullion ETF.

So it's annoying because I was right. But

I didn't choose the right instrument. I

didn't know you can get an ETF that tracks

gold. Why don't you tell me?

You're all fired. Useless. Give me bad

advice. Just kidding. Love you guys.

I think actually Barrick Gold had really

good earnings, but they're only up like

2% pre-market.

Mining gold is not easy, you know.

It's only up 2.4% even though it destroyed

earnings. Rubbish.

I also, I made a CV yesterday using AI.

I used to hate writing CVs,

but I just wrote into AI, make me a CV.

Here is my work experience. Um, petrol

station, Lawson in Japan, office junior,

6 months. And then it just wrote this

perfect CV with like description, laid out

my job history.

You don't even have to do anything now.

Thanks. AI is so good now.

I sent off my application to some

warehouse jobs. I thought a warehouse job

could be good because it'll help me build

muscle. And also the pay is

better and you don't have to deal with

customers. And then I could get a cheap

car and drive to the warehouse.

And they pay like £12 an hour. So I

thought I could try work for like a year,

make £30K, because I make— the problem

with these low-paying jobs is you're

surrounded by stupid idiots,

like chavs, because they're the type of

people who do that work.

That's the pro— I mean, I wouldn't mind

working if I was the only person in the

warehouse, but you know who's gonna be

working at the warehouse? Morons,

far-right, and immigrants.

Dumb knuckleheads. I'll go down the path

that I want to fucking make. That kind of

people. I do not want to be near those

people.

That's why I don't wanna get a job. I

don't wanna be surrounded by these idiots.

I wanna get a job, I wanna make money.

I don't wanna work in a shop because I

don't wanna deal with stupid customers.

Why can't there just be a job where you

don't have to deal with anyone?

And they're probably all far right working

in the factories, and they're gonna be

racist to me. Just 'cause donkey born in

stable, come back China, mate.

That's what I have to deal with.

Yeah, well then I'll snitch on them and

get them fired.

I can't do Amazon Flex because they won't

give me any stupid jobs. I keep refreshing

the app and it just says no jobs.

Wasted my time signing up for it.

But then what's the point getting a job?

Because let's say I make the money, what

am I gonna do with the money? If I don't

have a plan for the money, then what's the

point having it?

So yeah, I did think about getting a job,

uh, but first I need to know what

I'm gonna do with it. Not buy a stupid

Tesla though.

Pay your mum back. I'm gonna pay her back

anyway. It doesn't really matter if I pay

her back this year or next year.

My YouTube pay was quite good last month.

Made like 870

plus 160 divided by 780.

I made like $1,300. So I'm

just gonna put all that into my credit

card when I get that money in about 12

days. I'm not gonna pay my mum anything

this month. I'm gonna focus on the credit

card. Focus fire on the credit card.

I'll pay her back next month, like $400

I'm just trying to think how I can make

some damn money. I don't know.

I thought, you know, my dad, so he bought

this house back in the year 2000 for like

200— I don't know, like 220k.

And then I reckon he probably put like 10k

of his salary into the house every year

buying concrete bricks and stuff to fix it

up, which added value to the house. And

then if property appreciates 3% every year

over like 25 years, I asked AI, I said,

I asked AI, I said, if my dad bought this

house in the year 2000 for £200K and he

spent £10K a year improving it over

25 years, how much is it worth now? And AI

said it would be worth around £900,000,

which is what the real estate guy said

when he came to value it. So that's pretty

cool. And then I said, what if my dad put

that money into the S&P 500 instead of the

house? And then it said he would have made

like £1,500,000 instead of

£1 million. But then you wouldn't have a

house, would you? Where's he going to

live?

Because S&P 500 has gone up like 400%

since year 2000. And then you compound the

yearly gains,

but then you sell, you sell it. But then

you could have bought a house, couldn't

you, that's worth $1.5 million?

And then where's he going to raise his

family? I feel like you make more money

off the stock market, but then you don't

get a house out of it.

Yeah, it's interesting to compare.

Property versus stocks.

It would be nice though, having a house

and not paying for it because the tenants

would pay for it, wouldn't they? They can

go wage slave and pay your mortgage.

Haha, that's like my perfect dream.

Other people wage slave and they pay for

my house whilst I sit back collecting

the rent.

And I wouldn't need a house because I can

just live here in my room and then rent

out my mortgaged house. It's too difficult

though. The AI said I should have like

£40,000 cash to do like

upfront payments, down payments,

solicitor's fee, insurance stuff,

and then you might have to do repairs on

it. It's too much work. I don't

Why can't it be easy to make money?

Which AI app? I like Copilot on Edge.

Copilot's really good. I think it's way

better than Gemini and ChatGPT because I

literally ask it anything And it knows the

answer. It can do complex calculations

as well. You just enter in all the

information, like if I do this and I do

that for 20 years and I put this into it

but minus the fuel and do this and do

that, how much would I make after 50

billion years? And it can just calculate

anything. It's so cool.

What do you mean AI is not for that? I

feel like that's exactly what it's for

because it just calculates all the numbers

I gave it and it uses

historical data that it gets off the

internet. AI is so cool now. I didn't

think it would be useful in this way. I

thought it's just like gimmicky. Oh, why

don't I just use Google Search? Because

you can't get like a tailored answer out

of Google Search. You just find something

that's kind of close to what you searched,

like Reddit posts or forum stuff.

Also ask it about relation advice. I said

like, I'm— I feel bad about my ex.

I want to say sorry, but she blocked me.

What should I do? And then it gives you

advice. It said

go to a house and wait outside the door

until she comes home. No, just kidding.

Stalking Ark Park 2.

See, I don't need Discord anymore. I just

type everything into AI and he gives

me the answers I want. So before I was

using Discord like an AI, I think. Like,

hey guys, I don't know what to do about

this. What do you think? And then people

would either troll me or give me stupid

answers and then screenshot it and put on

a stupid subreddit. Well, I should have

just asked AI. Better than

the collective hive mind of my Discord

server. Sorry, Discord peeps. I replace

you with AI.

Don't need you anymore.

Yeah, so that's what I've been doing.

Research about financial stuff.

Not that I'm gonna do anything. Imagine me

trying to buy a property. Imagine

everything just goes wrong. And then I

sell it at a loss. That's what's going to

happen. I couldn't get approved for a

mortgage anyway. They rejected me.

It's probably because I don't make enough

money. It's weird. I got

approved for the Tesla finance, but I got

rejected for the mortgage. But the

mortgage was like £100,000 mortgage.

Yeah, I tried applying for a mortgage.

Didn't work very well.

I said I'd put £15,000 down payment for

a £100,000 mortgage. They said, sorry,

you've been rejected.

So if I get the job and then I tell them

I've got a job and I make £30K a year,

I'll probably get approved. And then

I could fund the deposit with the job and

then get my property, and then I can get a

car so I could drive to the property.

Was it a hard credit check? I thought it's

soft. I don't know.

But that's what Robert Kiyosaki says. He

says take out debt to buy assets.

So you'd be buying the house using debt

because you'd get a mortgage, and then the

value of the property would go up by the

mortgage amount, not the deposit amount.

It's too difficult. I can't do it. I don't

understand how getting into debt is a good

idea. Sounds scary. I'm in

debt now though, but for the wrong

reasons. I'm in debt because I splurged in

Japan and I didn't pay my taxes.

UK doesn't have fixed mortgage rate. I

thought it does. I thought you can choose

variable or fixed. But won't,

won't the mortgage rates come down now

that they're planning to cut interest

rates? So it'd be cheaper to borrow money?

No, I don't think property is good for me.

It's too much work. I'll just stick to the

stock market.

But the idea was interesting, that you'd

get a free house out of it that's paid by

your tenants.

And then after 20 years, the property

would have appreciated 3% per year,

wouldn't it? And then you could sell the

house. For massive gains or live in it.

Fast did the house thing. Yeah, I feel

like I'm her but 2 years behind.

I kept thinking it was kind of not a good

idea for her to buy the house. I thought,

what was the point of it? Because now

you're in massive debt. You're always

broke because you gotta pay the mortgage,

and now you're stuck paying it for like 20

years. But now I'm rethinking that.

I'm thinking if she just gets someone to

live in it, they'll pay the mortgage. But

then why was she always broke? I don't get

it. Why was she always asking me to pay

for stuff? Was it just shit testing, or

was she actually broke? Was it all just

shit testing? Like, oh, if he doesn't pay

for it, it means he doesn't love me.

I think I just failed all the shit tests.

Oh, thanks, Onyx. You against working

because you inherit lots of money? No,

Robert Kiyosaki says don't work for money.

Make your money work for you.

He said there's active income, portfolio

income, and then passive income.

Active income is like money you get from

working a job, but you should go into debt

and buy assets and then get the assets to

make you the money. But then

he also says people who invest in the

stock market are idiots. So I don't know.

People also say he's like a scammer, like

a Jordan Belfort type grifter. He does

seem a bit scammy,

a bit like a hustler. I think

he made most of his money— he made most of

his money selling books, the Rich Dad Poor

Dad thing. So he's just like good at

talking.

Oh, thanks. You against working cause you

gonna inherit lots money. Well, I don't

want to get a job. I don't want to be 60

years old and I gotta get a job.

I want to find a way to, um,

generate assets.

But I don't know what to do.

Yeah, every time someone sells a book, I

just feel like, yeah, they're a scammer.

If they're so successful at what they do,

they wouldn't need to sell a book about

it, would they?

Have you considered crime? No, because I'd

only go to jail, and I don't think I'm

smart enough to evade getting caught.

You have to be very intelligent to

not get busted,

and if I was intelligent enough to not get

busted, I'd be intelligent enough to make

money as a businessman.

Oh, thanks, TY. Host gentleman's trip to

Japan, charge $1,000 per person.

I don't think I'd be able to get a new

Japanese girlfriend without Tinder.

These other apps, rubbish. And trying to

go to bars to talk to women is so

What's that

noise? What's my laptop doing? It sounds

like it's going to blow up. If my laptop

explodes, I'm not getting— I'm not gonna

get a new laptop. I'll just have to stream

off my phone.

It keeps saying, warning, you have been

charging the battery for too long, but

obviously I need it plugged in, otherwise

this battery's gonna run out.

Can you hear that? Is it because it's

really hot today?

I mean, I'm glad I stumbled

across that Robert guy's videos because I

think it snapped me out of getting the

Tesla. I was actually gonna get it, to be

honest. I felt like I was nearly close to

pulling the trigger. You should host a

gentleman's trip to Japan and charge each

of your subscribers $1,000 to join you as

we find our new wives in Japan together.

Yeah, I don't think I can get a new wife

without Tinder.

Oh yeah, that Susan Wojcicki woman died.

That was a surprise. She's only 56.

People hated her. I forgot what she

did. What did she do to YouTube? People

were saying she ruined YouTube or

something. I don't

remember. Removing the dislike button. I

don't really care about that.

Oh, was she the one behind the algorithm

demonetizing everyone?

It's not that bad anymore. My videos never

get demonetized, even when I say the

F-word. It's just the streams sometimes do

if I say certain words like the P-word,

the R-word, the I-word.

The W-A-R word. You just gotta not say

those words and then you'll be safe. Oh,

they jailed that British guy for 3 years

because he posted on Facebook something

about the I-word. That's insane.

He's gonna be in jail for 3 years.

That's kind of scary.

The IMMI— I'm scared to

say it, they're going to jail me too.

Yeah, they're just arresting people now

for social media posts.

So the thing is not that social media

websites are censoring you or banning you.

That's not what you should be worried

about. Why do you get— you should be

worried about the police knocking on your

door. I need to pay.

Oh my God, my bladder.

Okay, what's the topic? How are we gonna

make money? I don't see why bother

do anything when you can just buy stocks.

Like buy a car parking lot and then rent

it out, but it will take like 20 years to

break even or something.

Or get a coin laundry, but then how much

would that cost? Because then instead of

buying a building to rent out to a family,

you could buy a building and then turn it

into a shop, and then you gotta pay staff.

Like, get a chef and a waitress, that's 2

people, you gotta pay them like $50K a

year. And then you got to make a shop and

then sell cookies. I don't know how much a

cookie shop would make, how many customers

would come in and buy cookies. Hire a

chef, hire a hot girl to be a waitress and

the cash register woman, and then pay them

like 20K, 25K a year. So that's

50K a year you gotta pay. I don't know how

you make a shop like a business.

It sounds so difficult.

Difficult. How did I get on with the ROG

Ally? It was really good. I used it as my

main computer for ages, played Red Dead

Redemption on it, streamed on it, even

played Starfield on it. I decided

to sell it to get a laptop though, cuz I

wanted something more powerful with a

bigger screen.

Oh, you can get a van for like £4,000

on AutoTrader, and then you put a mattress

in the back, you can rent it out.

Oh, thanks, TY. Please take trip to New

York. No, I shouldn't

waste money on just traveling. If I had

the money to travel, I'd rather invest it

somehow, and then I get my investments to

pay for my trips. I need to stop

wasting my capital on liabilities.

Unless I got millions of views doing

traveling, which I don't, then it would

become an asset to travel. But

unfortunately, I can't get views by

traveling. Why does it smell like urine?

Did I pee on my trousers? Smells like pee.

Why did you never fancy becoming a YouTube

gamer? I make loads of videos.

Daniel, could you please take a trip to

New York City one day for your lovely

supporters? I don't know, some people have

asked me to go to America, but it's too

expensive. I've got a whole second channel

for gaming. I made like 100 Elden Ring

videos last month.

Words asset liability horribly misused.

How? You've got

appreciating assets. They say a car is

like a depreciating asset. And then you

got, can you have an appreciating

liability? Isn't that just called having

a girlfriend? No, girlfriend would be

what? Depreciating asset.

What's an appreciating liability?

How's a house a liability?

Because it generates income and it gains

value after many years.

No, I think liability is like video

games. But then if you're a video game

YouTuber, it's not a liability. It depends

on your circumstances.

Men are appreciating assets. Women are

depreciating liabilities.

My mum found this woman to live in the

cabin. Don't know if it's actually going

to happen, but it's going to suck.

Some random woman just living in the

garden. Great. I hope she goes to work and

she's not around most of the day.

I don't know where she found them. My mum

knows loads of people. She's gonna pay

like £500 a month, I think, which I think

is not much. I think she should be

charging like £800 a month minimum.

£500 a month's way too cheap.

I don't even know if you break even for— I

mean, you've got to pay something if

someone's going to live in the garden,

like electricity bills,

water, all that stuff's going to go up

because you've got an extra person. Yeah,

there's internet in the cabin since I

bought the Wi-Fi extender. Now you can get

internet all over the garden.

But I guess it's a good idea to rent it

out if you can. I just don't— I don't like

strangers in my house. My mum said my

uncle said that we should build

a wall, like make a new door by the

staircase and build a wall to separate the

upstairs and the downstairs of the house

and then rent out the upstairs. What a

horrible idea. Imagine a bunch of

strangers living upstairs your house.

What about my bedroom? Kicking me out my

bedroom? Get lost. There's nothing

in the cup. There's a tiny bit.

Yeah, because I drank it all.

That's what my uncle did. He put up like a

fake wall and then an exterior—

what's the word— like an outside staircase

that goes up into the top floor, and then

they rented it out on Airbnb. But I

don't know how you're comfortable having a

bunch of strangers living above you,

sharing your house. I guess money

is money.

I just came back from Japan living like

that. Stupid fat American guy making noise

all the time.

People are so desperate for money these