[2025-01-06] big problems [7DwkpiR7XcI]

Testing.

Testing.

Do you like my haircut? I cut the back.

It looks so much better when I cut the

back. I didn't realize it was getting so

long. Because I only cut it back—

I cut it back in November when it was

really long, and I thought I wouldn't have

to cut it for a while. My hair grows

really quickly. I think

it looks pretty good.

It looks tapered.

It always looks bad when the back bit gets

Um, did I sell stocks before the recent

recovery?

I sold all of my ASML and now it's up 6%

today,

so I missed out on $100.

What's that sound?

Massive lorry. It's like a skip

lorry.

It's got all these chains dangling from

it.

Who's getting a skip?

Yep. So, um,

I kind of realized my debt is way bigger

than I initially thought.

You know, I signed up for that Amazon

credit card and I signed up for the Amazon

credit card app. Now the Amazon credit

card app shows me how much I owe them in

monthly installments and it's not pretty.

I am still paying— I've still got £400

left to pay on that LiveU Solo,

and I've got about £1,300 left to pay

for this monitor, which I'm paying 20%

interest— no, yeah, 20% interest I'm

paying on this monitor, and I'm paying 10%

interest on that LiveU Solo thing.

So we might have to add more debt to this

stuff.

So it's looking like this Amazon debt,

I think it's like 1,381.

And then let's not forget the car debt. I

just realized I've got an account where I

can check my car payments. I've made

40— I've made August

September, October, December. I've only

made 4 payments out of 48 payments.

That means I still owe 44 payments

of £194. That's £8,536.

And then if you include the balloon

payment of £5,600 2-1,

I think it is. I owe £14,000

for the car if I want to keep the car.

Hiding in my room from the debt

collectors. Oh wow, thanks.

So if I add on the car debt,

that's if

I'm in That's if I'm planning to keep the

car, which I guess I would be.

I owe my car company £14,000.

Oh my God.

And my monthly payments are kind of

getting crazy. My monthly payments are

about £408, and I don't see how I can get

it any lower. It's like £194 for the car,

£114 for the insurance, £26 for the car

servicing plan, £51 for the monitor and

the LiveU Solo, £12 for my phone bill,

£6 for my investing app. I cancelled

YouTube and Amazon, so that's going to

save me £20 a month. So bare minimum,

I'm having to pay £408 a month,

and the only way to get that down is if I

pay off the Amazon debt all

at once, and that would get rid of the £50

a month.

So in total, my debt is—

oh jeebus,

£23,000 is how much money I owe.

Oh my God,

when you look at it that way, it looks

pretty bad, doesn't it?

I'm screwed. I didn't realize the car was

so expensive. Oh wow, thanks Matthew.

Just film your SLF get bummed on of mate.

A tenner for a PPV, you'll be sorted.

Well, if someone offered £20,000, I'd

probably do it. £20K for a bummer.

When I was at the car company, Signing up

for the car, they say it like, oh, it's

£190 a month. And then in your brain you

feel like, oh, that's nothing. I can

easily afford that. But in

total, I would end up paying £19,000

for my car when you can get one now for

£12,000. I think my interest rate— I asked

AI If my car is worth £12,000 and I'm

paying £19,000 on a PCP plan, what is the

interest rate? It said 11%, and it said

that's quite high for a car loan.

Is 11% high for a car loan?

My car is going to cost £19,000 because

you do 48 months times £194.

Plus my £4,000 deposit, plus the balloon

payment, it's like £19,000.

I can't believe my car is gonna cost me

£19,000. That's insane.

I got the car from Stellantis, like a big

proper car company. Not some shady dealer

off Craigslist or some shady secondhand

car dealership. Like, Stellantis, the

actual Peugeot official car place.

I think they ripped me off.

I think I got ripped off. This car

is not worth 20K. It's like

I'm paying $20K for a car that's actually

only worth $12K.

For $20K, you could have gotten a really

nice car, like a Tesla Model 3, probably.

I was like, I don't care, just sign me up.

I need the car now. It has to be electric.

I only managed to get it down to a

reasonable, reasonable enough price

because I put down a big deposit of $4K.

I was watching that Caleb Hammer show and

he had this 21-year-old guy on and he

got a, a Ford Mustang and

he's 21 years old and he's paying like

$700 a month for his car, car loan

on a 72-month plan, and his insurance is

like $700 a month. A month. He's paying

$1,200 a month to have a Ford Mustang,

and it looks like a piece of crap.

It makes me feel bad about my own

Oh wow, thanks, Lee. Mummy ain't saving

you this time. She actually offered,

like, she said, why don't I just give you

the 13,000 and you pay off the

car all at once? I think it's too late for

that. I don't think it matters at this

point whether I pay off the car over 4

years or if I pay it all off tomorrow.

It's not like they're gonna say, oh wow,

thanks for offering to pay all in one.

Lump sum now, we'll get rid of your

interest. I don't think it works like

that. I've already agreed to this rate.

Does it work like that? I don't know if it

works like that because the interest is

already baked into how much I owe every

month. The one nine four

a month. Surely that includes the

interest. How do I have Amazon debt?

Because remember, I bought the LiveU Solo

2 years ago. I'm still paying another 2

years for that. And I bought this monitor,

the 39-inch curved LG UltraGear.

This thing cost £1,000 plus £400 20% APR,

and I signed up for a 4-year monthly

installment plan.

You would have to negotiate a new deal.

Yeah, I'd have to phone them up and say,

I've got lots of cash, can I pay off all

my PCP all at once? How much

would that save me? I can't be bothered.

And then I'll be back to owing my mum like

£20,000. I would owe my mum £20,000 if

she lent me the money.

Oh my God.

So my monthly income is gonna be crippled

for the next 4 years.

Because no matter what, I'll be paying

£400 a month for

these monthly payment plans.

It kind of sucks, especially when I don't

really want to do Uber Eats or work and I

want to do YouTube, and I'm only making

like £1,000 off YouTube now. Now you got

minus £400-something every month. I've

only got like £600 left over a month. In

disposable income.

What if I sold all this stuff? What, my

monitor? No, I want my monitor.

Yeah, I am actually kind of annoyed That

I'm gonna be spending £19,000 on a fucking

car.

I could have put down a deposit for a

mortgage and gotten a house for that

amount of money.

Yeah, I kind of regret it, to be honest.

I could have just gotten a £5,000

automatic petrol.

And yeah, okay, I would have been paying

hundreds of pounds in petrol when I was

doing Amazon Flex, but that hundreds of

pounds of petrol is way less money than

having to pay £15,000

for balloon payments and interest.

Hmm.

If I did Uber Eats every

day for a year, I would pay off

everything. But I can't do it.

I can't. It's so boring.

Ever since I got sick, I've just lost all

motivation to go out

and grind. So here's my plan.

I was up all night formulating my plan.

So if even if I did Uber Eats every single

day, it would still take me three months

until I made enough to pay off my mum. Oh

wow! Thanks. You proper effed yourself up.

Yeah, I feel like I'm kind of screwed.

But okay, here's the plan. I'm gonna

focus— first thing I focus on is I pay off

my mum's debt because I don't like owing

people money. I'd rather owe some big

financial corporation than owe my mum or a

family member because it just feels— I

don't know, it feels a bit embarrassing,

to be honest. So I'm focusing on paying

off my mum first. Um,

so even if I did Uber Eats every single

day It would still take 3 months.

Let's say I made £50 a day,

every day. That's £1,500.

Actually, that's only £4,500 even after 3

Okay, let's include my YouTube money. So

£50 a day Plus my YouTube money, let's

just guess £700

a month YouTube, maybe £50 PayPal,

and then I minus my expenses. I should

have £1,800 a month. So times

that by 3. What? It's still only £5,500.

The hell?

It might take 4 months then. Okay,

so even if I did Uber Eats every day, it

would take 4 months until I have enough to

pay my mum back. So what I'm

thinking is I just sell all my stocks

around March. I'm aiming for March to pay

off my mum completely.

So I've got £5,100 in my stocks right now,

and I've got £500 in crypto.

Let's say it doesn't go up at all, 0%

gain. So I've got £5,600

around March, plus December

YouTube money, £961. February, March

YouTube money probably gonna be like £650,

plus I might get another month of

sponsorship payment, £158, plus some

PayPals. So I got

£8,179, and then minus my expenses of

£408

for 3 months— January, February,

March— Should

have around 7,000.

That's assuming my stocks don't go up at

all.

But I'm kind of anticipating my stocks

will go up. Barrick Gold has already hit

rock bottom, uh, crypto is supposed to do

really well, so I'm thinking I will have

maybe 15 to 20% gains by March.

What do you think?

So let's say my $5,600 in stocks and

crypto goes up. What would be like a

reasonable expectation?

15 to 20% in 3 months is godlike

unreasonable. Well, Barrick Gold went down

20% in a week. Surely it means

it can go up 20% in a week.

So let— okay, do like a low figure,

11% gains. My £5,600 portfolio

goes up 11%. That would give me £600

gains. I will now have £6,200. I add my

YouTube money, I add Add

sponsorship money. I don't know if they're

gonna pay me again this month. Add a bit

of PayPal, minus 3 months of expenses.

Yeah, I have £7,600. I would— I might

go into overdraft a couple hundred. I have

enough money to pay off my mum in March if

I get like a 10 to 15% gain. If I

don't get any gains, it might take until

April. Am I

aware the reason why gold went down?

Yeah, because the stupid Mali government

are threatening— they put out an arrest

warrant for the CEO. They're threatening

to block the gold mine in

Mali from shipping gold. They're demanding

$500 million. It's just a big mess.

So once that gets sorted out, it should go

back up again.

They've got to find a way to come to some

kind of agreement.

They don't have the CEO under arrest. I

think the CEO is living in America or

Canada, but they've detained a bunch of

Barrick Gold employees, like officials

who are, are actually in Mali in prison or

like a detainment cell. So yeah, a lot of

drama,

but it must be priced in now because it's

all known information. It's priced in,

isn't it? That's why the stock tanked 20%.

So all they have to do is resolve it and

then the stock will go up, wouldn't it?

I've got Barrick Gold mostly. I've got

about $700 in US Treasuries, like an ETF,

and I've got $500 in the Russell 2000,

and I've got $500 in Bitcoin and Ethereum.

So yeah, I'm trying to figure out how to

make this work without having to do Uber

but I do feel confident I'll have my mum

completely paid off. In March. I'm calling

it now March.

Manifest it. And then once I get rid of my

mum's debt, basically all I have to do is

focus on making enough money to keep up

with my car payments. That should be easy.

I only need to make £400 a month to pay

off the car payments and Amazon debts.

And then, okay, so my stock portfolio will

be then obliterated and be basically zero.

Then the plan is I focus

on making enough to pay off the car and

Amazon payments monthly, and anything else

left over I will put back into my stock

portfolio to rebuild it. So if I'm making

about £1,000 a month, I put £400 towards

my expenses, £600 remaining would go back

into rebuilding my stock portfolio. I'll

have my stock portfolio rebuilt this year,

it would take 9 months, probably be back

to like £5,000 back in the stock market.

And I think this year could be a good year

to be buying stocks because I think it'll

be not a very good year because

last year was so good. I don't think this

year is also going to be really, really

So, the, the logic behind

it is there's 2 options: I don't

sell my stocks and I work hard doing Uber

Eats to then have to give away all the

money I worked really hard to my mum.

It was really demoralizing having to work

really hard, getting all this money, and

then it just goes out to pay off debts.

I think it would be less demoralizing to

just use the stock money to pay off the

debts and then put

my future earnings back into the market.

So instead of paying off debts with my

earnings, I am now rebuilding my stock

portfolio with my earnings. And I think

that would feel a lot better than busting

my balls off doing Uber Eats only to give

all the money to my mum.

If I'm gonna bust my balls off to work and

make money, I'd be— I'd rather be using

the money I made towards myself.

So it's all like a mental game.

I think I will feel better working

to rebuild my stock portfolio than working

to pay off my mum's debt.

So that is the plan. We're just gonna hold

tight until March. Fingers crossed Barrick

Gold goes up, crypto does well,

and then The

problem is I'm

going to be financially crippled for the

next 4 years because of the car, unless I

could work really hard and pay off the car

faster.

I really regret getting that live Sodo

thing. I didn't even use it. I used

it twice. This is the

end of your YouTube channel. Uh,

no.

I've always got Uber Eats to fall back on

if I need a quick burst of extra money.

If the car isn't going to be used to

generate income, it has to go. Yeah,

that's the thing, like, I only really got

the car because I wanted to use it to make

money. Now I don't really want to do that.

Maybe I just get my mum to sell her car

and then we share my car.

I haven't used my car since 20th

of December. That was over

2 weeks ago now.

Sell my car and use hers. Yeah,

but her car is worth more money than my

car and it's worse than my car.

Oh God, I don't know what to do about the

I can get out of the PCP contract if I pay

50% of the contract, which would be

another £1,500-ish until I've paid 50%,

because I've paid 4 months

plus £4K deposit. I've only paid

£4,776.

Out of 19,000. I don't think— no,

the balloon payment doesn't count if

you're not gonna buy the car.

So removing the balloon payment, it would

be only 48 times 194.

That's 9,312.

Wait, I'm confused.

9,300 plus 4K would

be like 13K, and I've only paid off about

5K, so I would have to

pay another 1,600-ish to make it up

to 50%. And then I wouldn't— so I would

only have to pay another 1,500 instead of

14,000.

Then I would have paid 6,000-ish to

drive a car For 6 months.

It's like, it's like you paid £1,000 a

month to rent a car, basically. You could

have just rented a car or leased a car and

it would have been cheaper. I could have

leased a Model Y for £1,000 a month.

Oh my God.

Yeah, well, I didn't know. I thought I'd

get the car and I was going to be like a

hard worker and work. And make like 30K a

year doing Amazon or something. I didn't

know I was gonna get freaking banned after

4 months.

I don't want to get a job.

So imagine I give the car back after

I've paid 6K. So I worked for Amazon to

make 6K, which I used to pay 6K

for the car, and then I give the car back.

I made zero. I made 6K

to pay 6K to use a car for half a year.

That is so stupid.

I didn't make anything, really.

What even was the point?

If I had just never gotten the car,

would I be in the same financial situation

as— well, no, I'd be

financially better off if I never got the

car because I wouldn't have this car debt

and the credit card debt would have never

been so high. I think I really screwed

myself because

I could have easily shared my mum's car

because she barely uses her car. She uses

her car like once a week.

Hmm, I don't know.

Unless I just pull my finger out and do

Uber Eats.

Ugh, I just really don't want to.

Hmm,

hopefully my stocks go up 10 to 15% by

March. How's it doing today?

Oh my God, ASML's up 7% today. I sold

ASML after Christmas.

Oh, and gold is down 1.3%. Wow,

useless stupid stock. The market

is ripping today and gold is down 1.3%.

Look at this thing,

absolute garbage.

Barrick threatens to suspend Mali

operations if gold shipments remain

halted.

Barrick Gold faces operational challenges

in Mali. Threatens to freeze Mali

operations in row over rules.

Stupid Mali.

Send in the British Empire and sort them

out like the good old days.

Oh, we should have never let go of the

African colonies.

They're not to be trusted to

manage all of the resources.

Things were just better when the British

had the empire. Anything goes wrong, we

just send in the empire and then destroy

them with cannon fire.

This would never have happened in

18-something. Imagine in the 1800s or

1700s, oh, the Mali government Threatening

us. We're sending the freaking army. Look

what happened to Zulu. The Zulus, we

wrecked them, destroyed them under

a blanket of cannon fire. We got

soft.

I can't do that these days because you're

racist and the Geneva Convention or

whatever. Can we just blow them all up?

Stupid idiots. What's the point having

advanced military capabilities when we

don't even use it? Stupid Mali government.

I'm so mad about Mali. They cost me—

my Barrick Gold stock was up 20%. I was up

like £1,000 and now I'm

down. I lost £1,000 and I'm down

a couple hundred now.

I only got a 5% gain in ASML when I could

have gotten 12% gain if I still had it.

Oh wow, Bitcoin's doing well, $102,000

What else? SPY's doing pretty well.

They say if there was no Santa Claus rally

and the first 5 days of January are good,

that means the rest of the year is

probably going to be not very good.

If it goes down 20%, to recover that has

to go up by 40%. Yeah, I heard that

before, but I just don't understand why,

because it was at around $20, it went down

20%, which means it's about $16,

but So if you do 16 plus 20%,

it's 19.2.

16 plus 40% would be 22.

Well, they say the gold miners have

bottomed and there's data to back it up.

Just gonna have to trust it. All the gold

miners are doing badly. Newmont Mining,

Rio Tinto.

It's just Barrick Gold is doing the worst

because of this Mali thing.

I can't believe last year was like the

best year ever and I didn't make any money

2020 was also the best year ever and I

didn't make any money. How do I not make

any money? I just don't get it.

Everyone's got like 30% gains. And I'm

losing money when it's the best year ever.

I didn't make any money in 2024.

At one point I was up 25% and then I lost

it all because of Barrick Gold.

Made a couple hundred here and there in

Tesla. But then just lost it in Barrick

Gold. Made a couple hundred

from the China ETF.

God, investing is hard.

Oh wow, thanks. Move to spear chucker land

and live like a prince, Dan. Yeah, I'll

sort out the Mali situation.

I'll bring the British Empire— well,

the money will rotate back into the miners

at some point. Just gotta be patient.

Oh wow, thanks. You like trading? Why not

trade Solana meme coins on PumpFun? I've

made thousands, lost some too, but made

more than I lost. I've got SuiCoin,

it's up 51%, but I only put

£20 in it. It still made me

more money than Barrick Gold. Wow, look at

my crypto gains. 63% Bitcoin,

nearly 4% in my Ethereum, 50% in my Sui

coin. I'm just really good at trading

crypto for some reason, but I'm terrible

at stocks. Imagine if I got 60%

gain on my Barrick Gold.

That'd be insane. I would nearly double

my money.

Well, I got Barrick Gold because my

prediction was that gold was going to do

really well, and I was right. And I

thought if gold does really well, then the

gold miners are going to do really well.

I mean, look at the Bitcoin miners—

MicroStrategy, Riot Mara— they're ripping

because Bitcoin's doing well. I thought

the gold miners would be the same.

I should have just bought the gold ETF. I

would be up 30%.

I saw this other person on the Caleb

Hammer Show and he's like 20

years old, makes a— one

thing I noticed is Americans make insane

amounts of money. They'll just casually

come on and say, oh, I'm not making much

money. Oh, I only make $80,000 a year.

And I'm like, what? That's £60,000.

That's insane for UK standards. My dad

only made £35K and he got a house, cars,

holidays. My dad bought and sold one

house. My dad could raise a family

on only $30K a year, and Americans are

all broke and in massive debt, even though

they're making like $80,000 a year. But in

America, that's like entry level, not very

good. And then you got like the mid-level

people who work in tech and they've been

at it for like 5, 10 years and they're

making like $150K, $200K.

And that's still not considered good.

People are making like $100K a month. Now

that's considered good. That'll be insane

in the UK. I'm always so shocked

when they come on the Caleb Show and I

think, wow, they must be so broke. And

then they just sit there saying, oh, I

make $80K a year. What? How are you broke?

In big US cities, making $80K is like

making $20K or $30K because their rent is

$4,500. Yeah, it must

be really expensive. And then they've

got car debts. So one of them said, uh,

he has a Dodge Charger and he's got

a car loan that's costing about $35,000

in total. And they all eat

out. They spend hundreds a month on

DoorDash and Uber Eats.

It's really interesting seeing how other

people spend their money and what debts

they have.

They spend so much.

I, in comparison, I barely spend anything

because I don't go anywhere. I don't go

out. I don't have a social life. I don't

go out drinking.

I think my costs are fairly low.

It's just my income sucks so much.

Worried about Ariana Grande? Why?

I hate it when they put her song on the

radio. The weird Disney-sounding song she

sang for that Disney movie. It's— I had to

turn the radio off. It was horrible. It's

like listening to some Disney princess

song. Why are they putting that on the

radio? And why does she look weird

recently? She looks really skinny, like

she's dying or something, and her skin

complexion looks really bad. What's

happening to her? You can see all the

bones in her face. Is she having like

a, a phase where she thinks she's fat when

she's not?

Oh, I also found it distasteful the way

she made fun of Sabrina Carpenter's song

on that SNL show.

Why is she always on that SNL show? The

SNL show is so stupid. Celebrities go on

it and they just do these cringe skits

that aren't funny. They got that stupid

idiot Jimmy Fallon on it. I hate that guy.

Jimmy Fallon is like the most fake

double-faced, two-faced, fake,

like AI-generated TV host ever.

I can't stand him. Everything about him is

so fake. I don't know how he's popular.

At least Conan O'Brien is— he seems down

to earth. That Ellen DeGeneres

woman got cancelled hard. She's so fake

I can't stand Jimmy Fallon.

He's not funny at all. All his

interactions just seem so re— like

rehearsed and acted.

You're so broken, you're 35.

Well, I'm not as broke as these people on

this Caleb Hammish show.

The only difference is these Americans,

they make massive money. 80 to 100K a

Didn't Ellen DeGeneres move to the UK?

She lives in the Cotswolds, which is near

where Jeremy Clarkson lives.

Why did she move there?

She doesn't seem like she would fit in at

all. She does look like a typical British

middle-aged Karen though.

I can imagine her driving a Land Rover and

annoying, getting in people's way and

honking at people if they drive slowly.

Wow, it's getting dark. It's getting

darker later slightly now.

God, my hair looks so much better now. It

was looking terrible the last few streams.

This makes such a difference when you cut

How can I be so calm when I'm in so much

debt and low income?

Because my debt

is, um,

it's all rolled into a 4-year payment

plan. And I can easily afford £300

a month. The US economy is built on

consumption. It makes up something like

65% of their GDP. Also, do you think you

are getting above your usual viewer count

because you have been doing it

consistently? I don't know, maybe that's

all it takes. Yeah, I have been getting

higher viewers recently, like 150-ish. I

was getting about 80 or 90 viewers back in

Thailand. Maybe people like

this debt stuff.

Yeah, the only reason why it sucks is

because, yeah, £400 a month is manageable

when you're making about £1K a month. But

if you want to do something else like move

out, get your own place where you'll then

have to pay for food and bills, it's,

it's not really possible. On a £1K

budget, because then you go add in— I

mean, you remember when I was living in

Manchester, my rent was about £850 plus

about £50 water and gas plus about £40 a

month for internet plus about £150 a month

on food. I was spending £1,100 a month on

rent, food, bills. If you now add my car

expenses and other things, My expenses

would be £1,500 a month. I would need to

make that at least £1,500 a month to

cover my bare costs, bare basic minimum

I'm safe because I'm living at home.

But if I wasn't living at home, I'd be

in trouble. I would have to get a job.

Daniel needs to go on the Caleb Hammer

Show. He'd probably say sell the car. If

you're not using the car, why do you have

the car? I don't know.

I can't sell the car because I don't own

it. I'd have to give it back to the

finance company.

I'm really struggling to understand

why I have the car anymore.

Yeah, well, I didn't know I was gonna get

depressed and not want to work anymore.

Maybe my mood will change and then I'll be

like, oh, I can't wait to go deliver

What happened with Uber Eats? I can't be

bothered anymore. I got so lazy

after getting sick. I have no motivation

to go out there and grind to make £50.

I make that doing a livestream, probably.

It was different with Amazon Flex.

Because you knew you were gonna make like

£140 before you even set out because you

booked the slot. So you knew you were

gonna make that before you even started.

With Uber Eats, you don't know how much

you're gonna make. I might go out there

and not get any orders for half an hour

sitting in the McDonald's car park and

then grind for 6 hours and then only make

How am I making money now? From YouTube.

I did pretty well in December. I made

about $1,200. I got a sponsorship as well.

I don't know. Also, the weather is just

horrible. I don't want to go outside when

it's winding and waning. Cold.

Horrible.

There's no snow, but there was ice.

I think there's snow in northern England.

Whoa, look at crypto go!

Bitcoin, $102,000 now.

Oh my God, ASML's up 8%.

Why can't it just come back down?

It's at $771 now. I sold at $715.

I had 2 shares.

I missed out on $56 times 2,

$100 missed out on now.

And gold is just sucking,

down 1.4 today.

Market's doing so well today and gold is

down. Typical.

It's okay, I got a 3-month time horizon.

We had snow in Kent. I didn't see any.

Our ponds got frozen. I shot it with the

BB gun. It was funny. It shatters

like glass. It even sounds like glass. It

goes like that.

I've wheel spun a couple times. It was a

bit scary. I remember being at a

roundabout and I put my foot down and I

skidded. I don't even know what I skidded

on. I thought something got stuck in

the wheel.

How do I maintain my car in the cold

weather? I just don't drive it when it's

too cold. The whole thing froze

and then unfroze. I cleaned it today.

It was all full of rubbish my mum left in

there, like sweet wrappers, used

toothpicks. Disgusting.

Um, but the battery's fine. It turns on,

it went forwards. I thought after 2

weeks not using it, it'll be dead,

because I've heard a lot of stories,

people not using it for a bit and then it

doesn't start.

But I haven't driven it properly yet.

Maybe tomorrow I'll do a drive and

that should charge up the 12-volt battery.

I don't know why it needs a 12-volt

battery. Why can't it just use the big

battery? I hate the 12-volt battery

because you never know how much battery it

has. It doesn't say how much the battery

is for the 12-volt, and then if that

dies, you can't start the car.

I would like to own it. Because I do think

it's beneficial to have a car, and then

I'll probably just use it for the rest of

my life. I think I'll be

like one of those people who just gets one

car and runs into the ground, has like

400,000 miles on it,

because I don't see myself Making big

money to be able to afford another car

that's much better than my car.

What's this Amazon debt? It's the monitor

and my LiveU Solo that I chucked in the

bin in Thailand. That thing, I just

chucked it in the bin. Smoke started

coming out of it. I plugged in the

charging cables the wrong way around. And

it went red hot in the middle and started

smoking. Chucked it in the bin.

That thing cost me £1,000. I've paid off 2

years worth because I bought it in 2022.

You'll miss the car if it was gone. Yeah,

that's the problem. I just don't know what

I'm gonna be doing in 6 months' time.

In 6 months' time, it's a different world.

It would be warmer, brighter. It won't be

dark and horrible. I might actually want

to go out. I just don't want to go out now

because it's horrible weather.

Oh wow, thanks. Where did you get the

$4,500 for the down payment on the

Peugeot? Would you get it back if you

prematurely ended your contract? I put it

on the credit card. I extended— I mean,

I increased my credit card limit up to

$7K, and then I put $4K on the credit

card, and then I worked hard for Amazon

for 4 months to pay off the deposit plus

the— because I used ¥2,600 in Japan,

remember? I put it on the credit card for

those trips and hotels and apartments,

Tokyo apartment. And then I came home,

had ¥2,600 credit card debt. And then I

got the car, put another— I put another

¥4K onto the credit card, so I had about

¥6,800 credit card debt. So it

took 4 months of Amazon flexing to get the

credit card debt down to zero.

Now I have to get my mum's debt down to

zero too. I'm planning on March to be able

to do that,

and then I've got to pay the car debt of

£14,000.

Why do I refuse to talk about Sunny? Uh,

that is a sensitive ongoing situation that

I cannot talk about.

I will let you know in a week.

I'm getting Dodge Charger ads on my— no,

newsfeed. I'm getting Dodge Charger news

topics, articles on my newsfeed. This

thing is really listening to what I'm

talking about, isn't it? That's so weird.

Dodge Charger EV will officially launch

overseas. It's not even a good-looking

car. These weird American muscle

cars. They're so long and they're so

square looking. It looks like a tissue

There's this other guy, a Labour

politician. He looks just like Keir

Starmer. What's his name?

West.

Why do these Labour people have this weird

look? They've got these really blocky,

square-looking heads with a tiny little

mouth, and they speak like— they speak

like they're sucking through a straw. It

looks really weird. Who's that guy?

He looks like a young Keir Starmer. Is his

name West, or is it Wet, or is it Wes?

Wes— Wes Streeting. Yeah, he looks just

like Keir Starmer but young. Look, he's

got like a big square block head with a

tiny mouth, and the way he speaks,

like— like his mouth is really tiny.

Very weird. I noticed that with Keir

Starmer. It's like his— he looks like he's

sucking on a lemon. He's like,

today we release some very important news

about our new policies. He speaks weird.

He looks weird. His head looks like a

square, and he's

got that tiny mouth like Kier Starmer.

Are they related?

No, I don't know why, there's something

about Kageyama's face that really annoys

me. Look at his mouth, why is it so small?

He's like,

hello, my name Daniel. It's so

tiny,

he would give terrible BJs.

And his chin His chin is so square.

Look at his lips, and his chin's

really weird. I don't like his face at

all. His face triggers me.

He's got a weird long rectangle chin.

I find him really annoying. I like Nigel

Farage. He's got a massive mouth. He looks

like a frog. He's like, ha ha ha. I like

his funny laugh. Aren't they? Isn't Nigel

Farage and Elon Musk beefing now? I

thought they were friends. Elon Musk just

beefs with everyone.

Yeah, they keep, um, bashing Elon Musk on

the mainstream news like BBC and Channel 4

News. The mainstream

media in the UK mad because they can't

censor Elon Musk.

They can't lock him up. They're probably

considering banning Twitter in the UK.

What the hell happened? I thought we were

supposed to be a beacon of democracy and

freedom, not oppressing people.

Ah, this country really went down the

How can we criticize Putin for locking up

his political opponents when we literally

lock people up over Facebook posts?

It's so sad. They tried, they tried to

come over to my house too because I was

talking about horses, remember?

Get a police visit over jokes now.

Who has been locked up over Facebook

comments? I don't know, just some random

people who were writing toxic stuff.

They're doing prison sentences for years

now. Imagine that.

Years in prison over a Facebook or a tweet

post.

Oh wow, thanks, Poker.

Hi Daniel, I'm sorry you're going through

this debt. Have you considered TikTok as a

platform to generate income? Don't you

have to get like millions of views to make

$10 on TikTok? I don't really know

how to do short-form content. It's all,

it's all about doing funny skits or doing

impressions or like doing funny

visual stuff. I'm just not good at that.

I'm more of a talker. I don't think TikTok

is good for talking, rambling for hours.

What kind of visual content have I ever

done? Maybe like my exercises where I look

stupid. I just don't think any of my

content can be transformed into short

form. I would have to create like a

completely new type of content.

I saw this guy, he's British, and he also

did Amazon Flex and Domino's Pizza, and he

also does TikTok and YouTube. And then he

was saying his TikTok was doing really

well, so he quit Amazon Flex because he

was making thousands on TikTok. And he

does hotel reviews, like staying at the

worst hotel. But he

said it was really unstable. Some months

he'll do really well, and then other

months his TikTok would just make nothing.

I can't be bothered.

I'm too lazy to try out different

platforms. I feel like I just stick with

YouTube. That's what I know.

I tried making a Twitch. I tried making

the Kick. I did Twitch for a bit.

The best I could do on Twitch was a couple

hundred dollars a month.

Let's say I paid off all

the car debt.

I could sell the car, couldn't I?

How much do you think my car's going to be

worth after 4 years?

Because yeah, okay, I pay $14K for the car

and now it's my car. If I

wanted to sell it, maybe I could sell it

for like $8K and then recoup $8K

out of the $14K. Probably like $8K

to $10K, depends how many miles I put on

it. I reckon now I'm not doing delivery

work, I won't really be putting loads of

miles on it anymore,

so I guess that's one good thing.

I have scratched up the wheels though.

There's like massive scratches in the

metal where I kept hitting the curbs. I

hit the curb so many times, massive gashes

in the alloy now.

Whatever lump payment they want at the end

is what it will be worth, really. So it'd

be only worth £5,000 in 2028.

That's kind of embarrassing.

How long do you think the car would really

last though with a battery?

I've heard replacing the battery is so

expensive you might as well just buy a new

car. I think if

I had to do this again, I would probably

get a cheaper car, like a £5,000,

that kind of price range car.

You couldn't brag about a cheap car.

Yeah, but I kind of just don't care

anymore. I kind of see the car as—

I just need it to get to a place and come

home.

It's like having a phone. In the

beginning, you're like, wow, my phone's so

beautiful. Wow, it's so nice. But then

after you use it for a bit, you just don't

care. As long as all you want it to do is

go on the internet and open apps and

message people. As long as it does that,

who cares what phone you got?

That's what I'm realizing with the car.

I also feel like I might prefer an SUV.

And be higher up, feel more secure.

Although I do like how I can feel smug

when my mum's friends come over. And their

cars look shit. They come driving here in

like their banger Ford Focuses or their

Skodas, and I'm like, wow, my car

looks so much better than their car. Bet

they're jealous. We're gonna have someone

move into the summer house.

I'm not really happy about that, to be

honest. But I guess my mum wants some

extra money. So now we're gonna have some

random woman's car parked in the driveway.

She better not get in my way.

Now there's gonna be some random woman

just walking through the garden to get to

the cabin. I really wish my uncle built a

separate entrance to the cabin.

So we don't have to see them.

Oh well, at least she's making some money,

I guess.

Why am I mad? Because I don't like

strangers on my property.

I feel extremely uncomfortable when

there's people I don't know in my house.

Even if I know them, I still feel kind of

uncomfortable.

I'm very territorial.

Because sometimes I do like

to go out in the garden and shoot things

with my gun. Now I'm gonna have to make

sure she's not here and then remember her

patterns, like what time she goes out and

comes back.

There's a black cat coming down the

driveway.

Really tempted to shoot it with my gun.

No, he's jumping up on the wheelie bin.

What is he doing? Is it true black

cats are always male? I've never seen a

female black cat.

Oh, I saw these horrible videos on

Instagram of tigers or leopards Killing

dogs is horrible. I don't know who puts

those on there and why are they allowed.

God, the dogs don't stand a chance. They

get destroyed. It's like

a jaguar or something. Its arms are huge

compared to the dog's arms.

Dogs get wrecked. They just get bitten in

the neck and they die, dragged off. The

tiger was massive. The tiger's forearm was

like 10 times the size of the dog's legs.

Wow, the red light district era is back.

I haven't seen your room like this in a

very long time. It's giving 2020 vibes.

I kind of wish it was 2020 again. I think

2026 will be like 2020 start economically,

except worse. BC the recovery will be way

slower. Yeah, that's pretty nice.

I can change it. What about purple?

Purple looks pretty nice too. I like

red. It's like we're in this nuclear

bunker hiding out.

I hate blue. Blue always highlights all

your blemishes.

Check the market.

Oh my God, ASML up 9% now.

I sold this. I would have gotten a 15%

gain if I still had it. Look,

unbelievable. I sell it at 715 and

now look at it.

I should have sold £2,000 of gold and kept

the ASML to

start long-term investing. Yeah, that's

the thing. After I've sold all my stocks

in March to pay my mum and I start

rebuilding my stock portfolio, I'm not

sure what to get.

Maybe I'll just be boring and do what

everyone else does— dollar cost average

into an ETF.

Because it's very hard to try and pick

I put $500 a month into— maybe

I'll do like a 3-way split portfolio.

60/20/20. 60% in the S&P 500 ETF and

then 20% into a gold ETF, not a gold

miner, the actual gold ETF that tracks

spot price, and then 20% into bonds.

How about that? That'll be pretty safe.

60/20/20,

and then just add to it. Don't try and

like buy and sell.

And then maybe after 30 years I'll be a

millionaire.

Your life is over for the next 4 years.

No, I could still do stuff.

It's just that doing stuff would probably

need me to go and do some Uber Eats to

fund it,

or doing stuff would delay how much I

can rebuild my stock portfolio by.

Justin Trudeau resigned.

Really? I still don't really know why

everyone hates him.

Stupid stomach. Why does it keep making

sounds? I had bacon and eggs for lunch.

How can it be hungry again?

I can't believe ASML goes up 10% today.

Imagine Barrick Gold goes up 10% in a day.

Typical.

I've got an Amazon credit card, so I've

got £5,000 of credit.

I'll have some chocolate.

I nearly finished all my Christmas