WEBVTT 1 00:00:16.679 --> 00:00:17.920 I am something I want to play. 2 00:00:18.480 --> 00:00:22.199 Oh and get your guys's opinion or take on I 3 00:00:22.440 --> 00:00:27.679 before I play it. This is just somebody's opinion online. 4 00:00:27.920 --> 00:00:30.760 I don't know if there's any legality to this, So 5 00:00:31.079 --> 00:00:38.320 advance on your own feelings. I guess okay, So we'll 6 00:00:38.320 --> 00:00:39.600 play it. We can stop it if we need to. 7 00:00:39.640 --> 00:00:40.679 It's like a couple of minutes long. 8 00:00:40.719 --> 00:00:47.799 So you pay a collection well, because you don't owe 9 00:00:47.880 --> 00:00:51.759 many money. You don't owe the collection agency one dime. 10 00:00:53.079 --> 00:00:55.600 Before you got a letter or note in a nail, 11 00:00:55.759 --> 00:00:59.200 you had no idea who LNVN Funding was or Jefferson 12 00:01:00.000 --> 00:01:02.719 Collection Agency. You had no idea who they were. You 13 00:01:02.759 --> 00:01:05.760 never bought anything from them, You never entered into any 14 00:01:05.760 --> 00:01:09.120 agreement with them. You don't owe them any money whatsoever. 15 00:01:09.359 --> 00:01:11.400 What they did is they bought your debt from the 16 00:01:11.439 --> 00:01:16.439 original creditor. That creditor has then written off your account 17 00:01:16.599 --> 00:01:19.840 as a collection. They call it a charge off. The 18 00:01:19.879 --> 00:01:23.760 collection agency purchases the debt. Then they're going to come 19 00:01:23.799 --> 00:01:25.840 after you for it. They bought it for pennies on 20 00:01:25.879 --> 00:01:28.280 a dollar, but they're coming after you for the full amount, 21 00:01:28.599 --> 00:01:31.840 plus fees and interest in everything else. But the bottom 22 00:01:31.879 --> 00:01:36.239 line is you don't owe the collection agency. 23 00:01:36.359 --> 00:01:39.799 At dime, I think. 24 00:01:40.799 --> 00:01:42.879 I mean, he's right, you don't owe the collection agency. 25 00:01:42.920 --> 00:01:46.640 You owe the company that sold your account to the 26 00:01:46.640 --> 00:01:51.439 collection agency. But it's the collection agency owns that account now, 27 00:01:51.480 --> 00:01:53.959 So I mean, I guess technically you do owe them 28 00:01:53.959 --> 00:01:56.640 because they got to recoup their money somehow. 29 00:01:56.840 --> 00:01:59.159 I really don't know. I don't know enough about that, 30 00:01:59.359 --> 00:02:00.519 how that works or whatever. 31 00:02:01.120 --> 00:02:03.280 Honestly, I was always under the impression, like what you 32 00:02:03.439 --> 00:02:05.959 exactly what you said is that this company bought your 33 00:02:06.680 --> 00:02:09.840 credit or your debt, and now I owe you that debt. 34 00:02:11.120 --> 00:02:14.319 I didn't know that a collection agency is buying the 35 00:02:14.520 --> 00:02:18.199 oh yeah, money. I thought it was like usually I 36 00:02:18.240 --> 00:02:21.000 always thought that, like when it comes to a collection agency, 37 00:02:21.000 --> 00:02:23.240 it's usually through like a medical bill or something. And 38 00:02:23.280 --> 00:02:27.039 the way that people are getting around that is well, 39 00:02:27.080 --> 00:02:29.520 I don't know, because of HIPPA rules. 40 00:02:29.319 --> 00:02:32.240 Right, they can't prove you any billion your documentation exactly, 41 00:02:32.280 --> 00:02:33.080 So he goes into it. 42 00:02:33.120 --> 00:02:34.439 More so, listen to this more. 43 00:02:35.039 --> 00:02:38.520 You never signed up with them, you never signed anything 44 00:02:38.520 --> 00:02:41.400 with them, you never purchased anything with them. You don't 45 00:02:41.439 --> 00:02:43.479 know them from Adam. If you're going to do that, 46 00:02:43.800 --> 00:02:47.560 send me the money. Instead, it's foolish. Just don't do it. 47 00:02:47.759 --> 00:02:49.199 What if they try to take you to court. 48 00:02:49.439 --> 00:02:51.639 If they try to take you to court, let them 49 00:02:51.639 --> 00:02:54.240 try to take you to court. This is a litigious world. 50 00:02:54.599 --> 00:02:59.400 Everybody's trying to sue everybody for everything. Becomes a frivolous 51 00:02:59.479 --> 00:03:02.319 lawsuit because all you have to do is prove that 52 00:03:02.360 --> 00:03:06.120 you don't owe the collection agency anything. You've never done 53 00:03:06.159 --> 00:03:09.159 business with them, you've never signed anything with them, you 54 00:03:09.240 --> 00:03:12.759 never bought anything from them, you never borrowed anything from them. 55 00:03:13.080 --> 00:03:16.199 And the collection agency has to prove it. They have 56 00:03:16.240 --> 00:03:19.000 to prove that they bought your debt and that you 57 00:03:19.120 --> 00:03:22.120 agreed that that was yours to begin with. If they're 58 00:03:22.199 --> 00:03:25.680 unable to do that, they can't come after you for anything. Now, 59 00:03:26.080 --> 00:03:29.240 if a judge, if they're somewhere how successful in getting 60 00:03:29.240 --> 00:03:31.680 you to have to go to court, there's a mediation 61 00:03:31.840 --> 00:03:35.199 that has to take place first. Then they have to 62 00:03:35.280 --> 00:03:38.560 prove all kinds of other things, like that they purchased 63 00:03:38.599 --> 00:03:41.240 the debt, that it was within a statute of limitations. 64 00:03:42.199 --> 00:03:44.599 There's a myriad of things they have to prove. It's 65 00:03:44.639 --> 00:03:47.479 almost impossible for them to do it. Don't let them 66 00:03:47.520 --> 00:03:50.159 bully you. Don't let them threaten you if you have 67 00:03:50.199 --> 00:03:52.960 any questions about any of the sounds. 68 00:03:54.120 --> 00:03:55.120 Of course, what do you think? 69 00:03:55.759 --> 00:03:58.719 I think that this guy is just teaching people to 70 00:03:59.199 --> 00:04:01.039 not pay your debt, which I don't think is right. 71 00:04:01.759 --> 00:04:05.319 You know, you did something, you were expected to pay 72 00:04:05.319 --> 00:04:09.319 for it, and you're not, so pay your bills. 73 00:04:10.599 --> 00:04:13.120 Lindsay, yeah, I mean I get that. 74 00:04:13.759 --> 00:04:18.199 However, also, like like the whole medical thing, if it 75 00:04:18.240 --> 00:04:21.399 is a medical debt, they can just write it off. 76 00:04:21.480 --> 00:04:23.040 They're getting they get money. 77 00:04:23.160 --> 00:04:25.959 No, but that doesn't get around what gimpis saying, though, No, no, 78 00:04:26.240 --> 00:04:31.399 you took a service, right, Any company can write off 79 00:04:32.360 --> 00:04:37.639 the debts, right they any company in corporation, they have 80 00:04:37.680 --> 00:04:40.759 a certain amount that they you know, okay, well we 81 00:04:41.319 --> 00:04:43.639 let's just say fifteen. 82 00:04:43.240 --> 00:04:46.199 Thousand dollars, right, Well, you know you got fifteen people 83 00:04:46.240 --> 00:04:47.399 that are one thousand dollars. 84 00:04:47.399 --> 00:04:51.240 You know they write that. Any company could do that. Well, 85 00:04:51.279 --> 00:04:54.800 and the to me, the argument of medical right off 86 00:04:56.439 --> 00:04:59.839 is equal to like home depot having shrinkage, like a 87 00:05:00.079 --> 00:05:04.720 a license to steal from them. Yeah, we're just having 88 00:05:04.759 --> 00:05:07.480 a conversation, right, I'm just saying that, Like, I agree 89 00:05:07.519 --> 00:05:10.079 with you, they do have medical write off but I 90 00:05:10.079 --> 00:05:12.560 think that's using that as a reason not to pay 91 00:05:13.079 --> 00:05:15.399 is equal to going to home deeopo and stealing things 92 00:05:15.399 --> 00:05:17.639 because they have shrinkage, they allow for things to be 93 00:05:17.639 --> 00:05:21.199 stolen in their line items. Yeah to me, with medical debt, 94 00:05:22.079 --> 00:05:25.600 you have an always negotiate with them. Yeah, you can 95 00:05:26.680 --> 00:05:28.319 that they will work it out with you. 96 00:05:29.560 --> 00:05:33.079 Yeah, or they give you a you get on a 97 00:05:33.079 --> 00:05:34.160 pay plan or whatever. 98 00:05:34.519 --> 00:05:34.720 Right. 99 00:05:35.000 --> 00:05:38.279 Yeah, and this guy actually goes on for a couple 100 00:05:38.319 --> 00:05:38.800 more things. 101 00:05:39.560 --> 00:05:40.279 Hi, everybody. 102 00:05:40.959 --> 00:05:42.600 First of all, I'd like to thank everybody for the 103 00:05:42.639 --> 00:05:45.480 overwhelming response I got on the last video of regarding 104 00:05:45.959 --> 00:05:49.040 pay or not, in this case, not paying a collection 105 00:05:49.160 --> 00:05:53.240 agency under any circumstance. What I'd like to address today 106 00:05:53.480 --> 00:05:56.160 is I tried to answer as many questions as I 107 00:05:56.240 --> 00:06:01.439 possibly could regarding this very subject in the last however, 108 00:06:01.480 --> 00:06:03.360 as unable to get to everybody. So I'm going to 109 00:06:03.360 --> 00:06:05.480 answer as many questions as I possibly be can in 110 00:06:05.480 --> 00:06:07.600 this one, and I hope this really clears us up. 111 00:06:08.120 --> 00:06:12.199 Under no circumstance should you ever pay a negative account 112 00:06:12.279 --> 00:06:13.879 that has been turned into collections. 113 00:06:14.120 --> 00:06:16.000 And I'm going to tell you why. It's very simple. 114 00:06:16.600 --> 00:06:21.439 Once your creditor, whether that's discover Capital, jan American Express 115 00:06:21.519 --> 00:06:26.480 what have you sells that debt to a collection agency, 116 00:06:27.120 --> 00:06:30.480 they are no longer entitled to collect any money from 117 00:06:30.480 --> 00:06:35.600 you whatsoever. The collection agency now has the responsibility of 118 00:06:35.639 --> 00:06:37.399 attempting to collect that debt from you. 119 00:06:38.240 --> 00:06:39.839 That doesn't mean that they're going to be. 120 00:06:39.839 --> 00:06:42.839 Successful, and if you're smart about it, it means that 121 00:06:42.879 --> 00:06:44.680 they won't be successful. 122 00:06:44.079 --> 00:06:46.639 And you'll come out a winner. One of the ways 123 00:06:46.639 --> 00:06:47.360 that we do. 124 00:06:47.240 --> 00:06:50.639 This is that we challenge the best insult ever, you'll 125 00:06:50.680 --> 00:06:53.720 be a winner, Like why not channel some of that 126 00:06:53.759 --> 00:06:57.319 inner child bullshit that your dad didn't love you type 127 00:06:57.319 --> 00:07:00.480 of thing and be like you're just a las right. 128 00:07:02.600 --> 00:07:06.759 Collection agency is directly we make them provide to us 129 00:07:07.680 --> 00:07:13.800 a written verification along with proof including statute of limitation 130 00:07:14.439 --> 00:07:18.759 and any other kind of verification, including the original contract 131 00:07:19.360 --> 00:07:21.199 that was signed by you. 132 00:07:21.519 --> 00:07:22.959 Yeah that I've heard that before. 133 00:07:23.000 --> 00:07:25.600 That if you're ever questioning a debt or whatever, you 134 00:07:25.639 --> 00:07:28.279 just say, show me the paperwork. And nine times out 135 00:07:28.319 --> 00:07:30.519 of ten when they buy debt, they don't buy the paperwork, right, 136 00:07:31.040 --> 00:07:31.920 and so they can't. 137 00:07:32.000 --> 00:07:35.560 They just don't have it. But you still have to pay. 138 00:07:35.600 --> 00:07:38.319 I mean, you are not according to them and not 139 00:07:38.319 --> 00:07:39.079 according to this guy. 140 00:07:39.399 --> 00:07:42.399 I don't know about that guy. I just buncship your 141 00:07:42.399 --> 00:07:46.160 credit not paying it. Yeah, it goes to collections. You know, 142 00:07:46.240 --> 00:07:49.560 it messes up your credit. Yeah, that takes forever to rebuild, 143 00:07:49.920 --> 00:07:51.920 you know what I mean. So I just I just 144 00:07:51.959 --> 00:07:53.680 don't think it's a good idea for this guy to 145 00:07:53.759 --> 00:07:56.199 be out telling people to go ahead, wreck up all 146 00:07:56.240 --> 00:07:57.800 the debt you want, you don't have to pay it, 147 00:07:57.920 --> 00:08:01.000 because essentially, that's what he's saying. In a nutshell, that's 148 00:08:01.040 --> 00:08:03.879 what he's saying. Yeah, you don't have to let it 149 00:08:03.959 --> 00:08:06.319 go to collections. You don't know how the collections agency anything. 150 00:08:06.319 --> 00:08:09.639 You're right, I didn't do business with them, but the 151 00:08:09.680 --> 00:08:14.360 company that I did do business with is so I'm 152 00:08:14.399 --> 00:08:16.240 still on the hook for you know what X amount 153 00:08:16.279 --> 00:08:16.680 of dollars. 154 00:08:16.720 --> 00:08:18.439 Just a quick search here. 155 00:08:19.279 --> 00:08:22.279 Collection agencies can report a debt to a credit reporting 156 00:08:22.319 --> 00:08:28.040 company if they follow certain rules contacting you, provide validation notices, 157 00:08:28.759 --> 00:08:31.240 follow credit and reporting laws which a lot of them don't, 158 00:08:31.959 --> 00:08:33.240 and avoid false information. 159 00:08:33.679 --> 00:08:34.080 Yeah. 160 00:08:34.200 --> 00:08:37.159 So, but when they're calling you and calling you and 161 00:08:37.200 --> 00:08:39.600 calling you and calling you, that's an attempt to, you know, 162 00:08:39.720 --> 00:08:41.879 contact you and get you to pay your debt. They 163 00:08:41.919 --> 00:08:44.960 do send letters in the mail, you know, so, so 164 00:08:45.000 --> 00:08:50.000 they've got most of those boxes checked to where they can. 165 00:08:50.360 --> 00:08:53.799 Yeah, but like sending you making sure the information they 166 00:08:53.799 --> 00:08:56.720 send you is accurate. And if you correspond with them 167 00:08:56.759 --> 00:08:59.759 going hey, can you provide me with documentation and they 168 00:08:59.759 --> 00:09:03.759 can that, then that debt becomes nagative not there right that. 169 00:09:03.919 --> 00:09:06.919 I think that's what they're saying. I agree. It feels 170 00:09:06.960 --> 00:09:10.879 a little snake medicine to be like snake oil medicine, 171 00:09:10.879 --> 00:09:13.200 to be like, here's how you don't you get out 172 00:09:13.200 --> 00:09:14.600 of paying for a service you took. 173 00:09:14.759 --> 00:09:18.440 You took right, which is not right at all, man. 174 00:09:18.519 --> 00:09:21.960 I mean, you fucking did something you should pay for it. Yeah, 175 00:09:22.320 --> 00:09:25.320 I get it. It's hard. I've lived my whole life 176 00:09:25.399 --> 00:09:28.200 in debt, you know, but it is what it is, 177 00:09:28.440 --> 00:09:29.440 and deal with it. 178 00:09:29.600 --> 00:09:29.799 Yeah. 179 00:09:29.960 --> 00:09:32.320 I am not a believer of not paying your debt. 180 00:09:32.399 --> 00:09:36.159 You you asked an individual for service and it is 181 00:09:36.440 --> 00:09:39.559 the right thing to do that. I don't think you 182 00:09:39.559 --> 00:09:43.080 get judged at the at the PG on whether you 183 00:09:43.120 --> 00:09:46.080 paid your debt or not. But character plays a part, 184 00:09:46.200 --> 00:09:49.240 I think, and and your character of paying people for 185 00:09:49.360 --> 00:09:54.039 services you that is, and being honest, that that is 186 00:09:54.080 --> 00:09:57.360 a virtue thing I think that JC would probably look at. 187 00:09:57.399 --> 00:09:59.879 And again I don't know, nobody's consulted me on that, 188 00:10:00.399 --> 00:10:03.120 but I would think that that's what you should do. 189 00:10:03.240 --> 00:10:05.840 What if you're trying to get services from somebody else 190 00:10:05.879 --> 00:10:08.679 and they pull your report right and see that you've 191 00:10:09.320 --> 00:10:11.399 racked up all this day, you know, and it's gone 192 00:10:11.399 --> 00:10:14.279 to collection services, and then it's gonna handle your chances 193 00:10:14.279 --> 00:10:16.919 of getting that service down. Because are you gonna go 194 00:10:16.960 --> 00:10:19.559 and help somebody out who's fucked everybody else over? 195 00:10:20.200 --> 00:10:22.399 I would, And people do though, Yeah, I mean there 196 00:10:22.399 --> 00:10:26.399 are plenty of business people who carry debt don't pay. 197 00:10:27.759 --> 00:10:30.559 Banks are the worst people to get payment from, right 198 00:10:31.360 --> 00:10:33.960 They are notorious for being ninety to one hundred and 199 00:10:33.960 --> 00:10:36.840 twenty days after the ninety one hundred and twenty days, 200 00:10:36.840 --> 00:10:39.360 Oh yeah, because they know what are you gonna do? 201 00:10:39.360 --> 00:10:40.559 There's not much you can do. 202 00:10:41.720 --> 00:10:44.600 Even if you go to court, you're still like they'll 203 00:10:44.639 --> 00:10:46.559 hold on the money, like all the way to the end. 204 00:10:48.240 --> 00:10:52.120 So as I get older, I think about like filing, 205 00:10:52.240 --> 00:10:55.720 you're told to have like this pristine credit right right, 206 00:10:55.840 --> 00:10:59.360 which I think the whole credit industry is a scam anyway, 207 00:10:59.399 --> 00:11:02.240 but because you need it to function on certain levels. 208 00:11:02.279 --> 00:11:07.200 But you also don't, right, you also don't, as you said, 209 00:11:07.440 --> 00:11:09.720 you're you've dealt with that, You're you're functioning. 210 00:11:09.919 --> 00:11:13.320 Absolutely, have cars. Absolutely you'd go on road trips. Yeah, 211 00:11:13.399 --> 00:11:17.519 like I make it happen, right, I don't know. 212 00:11:17.879 --> 00:11:20.279 I would argue to have good credit just puts you 213 00:11:20.320 --> 00:11:21.360 deeper into debt. 214 00:11:21.840 --> 00:11:24.399 One would say that, I mean it helps you get 215 00:11:24.399 --> 00:11:27.480 some shit too. I get it, because like there's certain 216 00:11:27.519 --> 00:11:30.399 things you can't get with the five fifty credit score 217 00:11:30.440 --> 00:11:32.919 that you could with a six fifty credit score, right, 218 00:11:33.120 --> 00:11:35.600 or you know, with seven hundred credit score. 219 00:11:35.759 --> 00:11:38.480 It sucks because it should be like they should base 220 00:11:38.559 --> 00:11:42.320 stuff off of your payment history instead of your credit. 221 00:11:42.120 --> 00:11:45.279 History, which is your credit history is based off payment history. 222 00:11:45.080 --> 00:11:49.200 Right right, But it like interest rates are super high 223 00:11:49.320 --> 00:11:52.159 right now, and it should well, and you can get 224 00:11:52.159 --> 00:11:55.159 a better interest rate if your credit score is really good. 225 00:11:55.600 --> 00:11:58.480 It shouldn't be like that because I have other debts 226 00:11:58.559 --> 00:12:01.600 or whatever, not me, royal you whatever, But you know, 227 00:12:01.679 --> 00:12:04.639 it should it shouldn't reward Someone shouldn't be rewarded because 228 00:12:04.679 --> 00:12:07.799 of their high credit score. It should be they should 229 00:12:07.799 --> 00:12:10.720 get rewarded because oh, you are still making all these payments, 230 00:12:10.720 --> 00:12:13.960 Like people that rent, Like, I'm sorry, you can afford 231 00:12:14.200 --> 00:12:18.639 a fifteen hundred dollars rent every month, but we're not 232 00:12:18.679 --> 00:12:19.600 going to approve you to. 233 00:12:19.519 --> 00:12:21.759 Buy a house. Yeah, I think it's dog shit. 234 00:12:21.840 --> 00:12:24.799 Right right and have an eight hundred dollars mortgage payment 235 00:12:24.879 --> 00:12:28.240 like that doesn't make sense to me, does not make sense. 236 00:12:30.559 --> 00:12:32.919 I mean as far as interest rates go, I don't 237 00:12:32.960 --> 00:12:38.200 know if that's I think interestates is always ebbed and flowed. Yeah, 238 00:12:38.240 --> 00:12:41.200 So to say well they're high right now, I mean, yes, 239 00:12:41.600 --> 00:12:45.720 but you you can still The point of the argument 240 00:12:45.759 --> 00:12:48.879 I'm trying to make is that you, even under duress, 241 00:12:48.919 --> 00:12:52.159 as Gimpias pointed out, still has bought things he needed. Yeah, 242 00:12:52.200 --> 00:12:58.720 for sure, the refrigerators, food cars, truck You found a way, as. 243 00:12:58.559 --> 00:13:01.159 What I say, Yeah, yeah, yeah, yeah, and a lot 244 00:13:01.200 --> 00:13:03.039 of that. It took me a long time. I'm a 245 00:13:03.200 --> 00:13:04.879 fuck I'll be honest about it. I've had a file 246 00:13:04.919 --> 00:13:05.759 bankruptcy before. 247 00:13:06.240 --> 00:13:06.480 You know. 248 00:13:06.759 --> 00:13:09.039 I don't think there's anything shameful, No, there is. It 249 00:13:09.120 --> 00:13:11.679 is a surface, a service there for you to utilize. 250 00:13:11.799 --> 00:13:14.919 And that allowed me for all the you know, mistakes 251 00:13:14.960 --> 00:13:17.159 that I made as a younger, Gimpie allowed me to 252 00:13:17.200 --> 00:13:20.720 start over again. You know, and uh and and it's 253 00:13:20.759 --> 00:13:25.960 getting better and and I found that if life's better, 254 00:13:26.000 --> 00:13:29.440 if shit's paid off, I just found life is better. 255 00:13:30.000 --> 00:13:32.639 Your stuff's paid for. Yeah yeah, my bikes are paid for. 256 00:13:32.759 --> 00:13:33.519 My car is paid for. 257 00:13:33.799 --> 00:13:38.519 Now that'll probably change because I do need a better car, you. 258 00:13:38.480 --> 00:13:41.159 Know, really, yeah, I might need to get a different 259 00:13:41.159 --> 00:13:43.240 car work Oh yeah, yeah, yeah, yeah, yeah, I'm thinking 260 00:13:43.320 --> 00:13:43.919 that it's good. 261 00:13:44.000 --> 00:13:45.559 That's gonna be one of my goals for next year. 262 00:13:46.080 --> 00:13:48.159 Now it's just a matter of I don't know what 263 00:13:48.200 --> 00:13:50.159 I'm going to do, whether I want something new or 264 00:13:50.159 --> 00:13:52.519 if I want something older, you know, like a classic 265 00:13:52.519 --> 00:13:54.639 car or something, because I've been looking at you know, 266 00:13:54.759 --> 00:13:57.919 like old fucking Cadillacs, you know, like a seventy seven 267 00:13:58.039 --> 00:13:59.519 Coop Deville fucking land yacht. 268 00:13:59.519 --> 00:14:00.000 Motherfucker. 269 00:14:00.200 --> 00:14:03.559 Yeah, I I you know, you need what you have. 270 00:14:03.679 --> 00:14:07.120 You need a car that you don't drive it enough exactly, 271 00:14:07.320 --> 00:14:07.559 you know. 272 00:14:07.679 --> 00:14:10.960 And those cars like that they're easy to work on, right, 273 00:14:11.519 --> 00:14:15.039 you know, affordable to work on. It's not like if 274 00:14:15.039 --> 00:14:18.799 I got a brand new fucking Mercedes or whatever, you know, 275 00:14:19.000 --> 00:14:20.639 something breaks down on I got to take it to 276 00:14:20.679 --> 00:14:24.600 the shop because you know, computer whatever the case is, 277 00:14:24.639 --> 00:14:27.279 and it's gonna cost me way more than what it 278 00:14:27.279 --> 00:14:29.039 would if I got something older, you. 279 00:14:29.000 --> 00:14:29.440 Know what I mean. 280 00:14:29.559 --> 00:14:31.360 I don't know, dude, I don't know if those parts 281 00:14:31.399 --> 00:14:32.559 exist at the same time. 282 00:14:32.559 --> 00:14:34.559 Oh yeah they do. Oh yeah, they're out there. Oh 283 00:14:34.600 --> 00:14:38.159 they're they're they're out there. eBay's an amazing thing. Also, 284 00:14:38.240 --> 00:14:40.919 Junkyards too. You know, going down to the dealership, you 285 00:14:40.919 --> 00:14:42.480 go to fucking auto zone or whatever, you can get 286 00:14:42.480 --> 00:14:45.000 about anything that you need. You may have to wait 287 00:14:45.039 --> 00:14:47.159 for a little bit, you know, for them to order one, 288 00:14:47.240 --> 00:14:49.200 but the fact of it is, and then it's like, 289 00:14:49.200 --> 00:14:51.159 all right, well do I want to go that route 290 00:14:51.240 --> 00:14:54.279 or do I want to just get something newer that 291 00:14:54.320 --> 00:14:57.159 I wouldn't have to worry about those problems. 292 00:14:57.240 --> 00:14:58.519 So it's something I'm trying to figure out. 293 00:14:58.840 --> 00:15:01.360 This car we're just using is anything, but like this 294 00:15:01.440 --> 00:15:04.720 car you have, you paid barely anything for. 295 00:15:04.960 --> 00:15:06.240 Absolutely got a hell of a deal. 296 00:15:06.320 --> 00:15:09.960 Yeah, great deal on It's served its purpose absolutely, And 297 00:15:10.000 --> 00:15:11.440 that's She ain't sexy. 298 00:15:11.120 --> 00:15:13.559 But she fucks yeah, you're absolutely right. 299 00:15:14.080 --> 00:15:16.360 She fucking has a limp, you know, and a fucking 300 00:15:16.440 --> 00:15:21.039 lazy eye, you know, and for what she overheats, but. 301 00:15:20.960 --> 00:15:25.279 For what you use it for exactly it's perfect. 302 00:15:25.759 --> 00:15:27.320 Sure, sure it is. 303 00:15:27.480 --> 00:15:29.679 It ain't sexy, it isn't there. You're not gonna show 304 00:15:29.759 --> 00:15:32.639 off in it? No, no, it's not. It'll get me 305 00:15:32.679 --> 00:15:36.440 to work him back, that's fine, you know. But let's 306 00:15:36.440 --> 00:15:37.879 say I want to take milady out and I don't 307 00:15:37.879 --> 00:15:40.759 want to drive her car, right, you. 308 00:15:40.720 --> 00:15:42.799 Know, I know you guys don't take that car. We 309 00:15:42.840 --> 00:15:43.840 don't take mine anywhere. 310 00:15:43.879 --> 00:15:48.320 No, no, no, because fucking the the the window doesn't 311 00:15:48.360 --> 00:15:51.519 want to go, I don't want to stay up without tape. 312 00:15:51.840 --> 00:15:54.399 The heater only blows, and air conditioner only blows when. 313 00:15:54.240 --> 00:15:56.360 It wants to, you know what I mean. So that 314 00:15:56.440 --> 00:15:58.279 makes Yeah, there's a number of things there. 315 00:15:58.320 --> 00:15:59.519 So that's why I'm like, all right, I just get 316 00:15:59.559 --> 00:16:01.480 something new where they ain't gonna worry about all those 317 00:16:01.600 --> 00:16:04.879 or maybe something older than I can fix myself. But 318 00:16:05.159 --> 00:16:07.600 as I've proven with this car, I'm fucking lazy, and 319 00:16:07.639 --> 00:16:09.879 don't I'm tired of working on motherfucking cars. 320 00:16:09.919 --> 00:16:15.480 Manah, my my car has one hundred and ten thousand. 321 00:16:15.519 --> 00:16:19.360 My car has eighty five thousand, and we're talking about. 322 00:16:19.080 --> 00:16:20.480 Like what does that look like? 323 00:16:21.279 --> 00:16:24.559 And I'm of the attitude of I mean short of 324 00:16:24.600 --> 00:16:27.480 like a really major thing. Let's just say the transmission 325 00:16:27.519 --> 00:16:29.720 falls out on one of those cars, we're gonna take 326 00:16:29.759 --> 00:16:34.759 it on, right, because that car, it's still less than 327 00:16:34.759 --> 00:16:36.080 what a monthly payment would be. 328 00:16:36.120 --> 00:16:37.440 I'm like, I know what kind of car. 329 00:16:37.480 --> 00:16:40.360 We're not gonna get a beater, right, We're gonna get 330 00:16:40.360 --> 00:16:43.039 a car where a car payment's gonna be six hundred, 331 00:16:43.480 --> 00:16:48.039 eight hundred dollars a month. And I'm like, what why 332 00:16:48.960 --> 00:16:51.360 that could three or less than a year of those 333 00:16:51.360 --> 00:16:54.399 payments could pay for new transmission. Oh? Absolutely, yeah, and 334 00:16:54.440 --> 00:16:57.279 we'd still not have a car payment. I just don't 335 00:16:57.320 --> 00:17:00.519 understand how it makes sense to spend that money on 336 00:17:00.559 --> 00:17:03.759 two cars that look cosmetically fine. Maybe they don't have 337 00:17:03.919 --> 00:17:08.240 the best you know, widgets, but overall they're fine cars. 338 00:17:08.319 --> 00:17:10.559 Yeah, that's kind of It's a it's a tough decision 339 00:17:10.599 --> 00:17:11.920 for me to make right now, how I want to go, 340 00:17:11.960 --> 00:17:15.160 because likewise, do I want five six hundred dollars payment 341 00:17:15.359 --> 00:17:15.839 a month? 342 00:17:16.200 --> 00:17:16.960 Not really? 343 00:17:17.480 --> 00:17:20.839 When I could save up, you know, a couple three, 344 00:17:20.920 --> 00:17:25.519 four or five thousand dollars get something that's decent. You know, Hell, 345 00:17:25.559 --> 00:17:28.720 even ten grand will get me something fucking decent, you 346 00:17:28.759 --> 00:17:32.519 know that looks good, runs good enough to exactly, and 347 00:17:32.559 --> 00:17:34.119 it's paid for and the window goes down and the 348 00:17:34.160 --> 00:17:40.599 window goes eater blows. She's a nice lady, right, right, right, Yeah, 349 00:17:40.839 --> 00:17:43.279 So it's it's a it's it's something that I'm working on. 350 00:17:43.319 --> 00:17:45.559 I'm trying to figure out, you know, how I'm going 351 00:17:45.640 --> 00:17:48.079 to do it. But I'll fucking figure it out like 352 00:17:48.079 --> 00:17:48.599 I always do. 353 00:17:48.799 --> 00:17:49.039 Yeah. 354 00:17:49.720 --> 00:17:52.440 Yeah, And I would argue that if you can't decide, 355 00:17:53.240 --> 00:17:55.400 that is the decision, right, it's just not meant to 356 00:17:55.400 --> 00:17:55.799 be right now. 357 00:17:55.920 --> 00:17:57.519 Yeah, she'll come around when it's supposed to. 358 00:17:57.559 --> 00:18:01.319 It should it shouldn't feel like a circle in a square. Absolutely, absolutely, 359 00:18:01.400 --> 00:18:03.720 you feel like this makes sense? Yeah, and you were 360 00:18:03.720 --> 00:18:05.960 absolutely on hundred percent right with that. With that car 361 00:18:06.000 --> 00:18:07.680 that I have, it gets me where I need to go. 362 00:18:07.799 --> 00:18:08.680 It serves its purpose. 363 00:18:08.960 --> 00:18:13.279 I only drive it when it's downpouring, raining or snowing outside, 364 00:18:13.640 --> 00:18:15.440 and outside of that, I'm always on my bike. 365 00:18:15.559 --> 00:18:18.440 So you're right, You're not under duress to have to 366 00:18:18.440 --> 00:18:20.240 make a decision, but it would. 367 00:18:20.039 --> 00:18:21.880 Be nice at some point in time and be able to, 368 00:18:21.880 --> 00:18:24.240 you know, take my lady out or whatever. And I 369 00:18:24.319 --> 00:18:26.640 smoke in my car, she doesn't, and I don't smoke 370 00:18:26.640 --> 00:18:28.680 in hers out of respect or whatever, you know, so 371 00:18:29.680 --> 00:18:31.640 I would be able to do that, you know, just 372 00:18:31.680 --> 00:18:32.880 a lot of different little things. 373 00:18:32.960 --> 00:18:34.359 Yeah, little shit. Yeah. 374 00:18:34.480 --> 00:18:38.119 We talk about going on vacations and that expense of 375 00:18:38.160 --> 00:18:41.160 spending money to go on vacations, and like, we just 376 00:18:41.200 --> 00:18:42.880 went to Austin and we went to New York and 377 00:18:42.920 --> 00:18:45.240 we saved up for those So although we put everything 378 00:18:45.240 --> 00:18:48.880 on our car card, when we got back, we paid 379 00:18:48.920 --> 00:18:50.240 the balance immediately. 380 00:18:49.880 --> 00:18:52.640 Right right right, you get in the miles and the 381 00:18:52.720 --> 00:18:54.039 last points on your card. 382 00:18:54.119 --> 00:18:57.119 And I started doing that five or six years ago. 383 00:18:58.319 --> 00:19:01.920 You have a better vacation. Yeah, you don't worried about 384 00:19:01.920 --> 00:19:05.160 like what's hanging over you, right exactly. 385 00:19:05.519 --> 00:19:06.880 We saved it up for that New York trip for 386 00:19:06.880 --> 00:19:10.880 like a year, and it's not easy, no, and you 387 00:19:10.920 --> 00:19:12.400 do without. 388 00:19:12.519 --> 00:19:14.839 But if that's something you want to do. 389 00:19:15.240 --> 00:19:19.960 Having those experiences, yeah absolutely, I do that same shit. 390 00:19:19.799 --> 00:19:23.039 When it comes to our regular vacation. You know, we 391 00:19:23.039 --> 00:19:25.200 we know at the beginning of the year when we're 392 00:19:25.240 --> 00:19:28.119 going on vacation, right, because we we all take the 393 00:19:28.160 --> 00:19:30.480 same time off. You know, we know that we're going 394 00:19:30.559 --> 00:19:32.920 to be out the week of fourth of July, and 395 00:19:32.960 --> 00:19:36.799 that's typically when I will take my traveling vacation. You know, 396 00:19:36.799 --> 00:19:39.920 a week of Thanksgiving not so much, the Christmas break 397 00:19:40.039 --> 00:19:42.200 not so much. But the fourth of July is my 398 00:19:42.240 --> 00:19:45.519 traveling vacation. So I start saving for that early. You know, 399 00:19:47.000 --> 00:19:49.400 whatever extra cash, take that out, put it to the side, 400 00:19:49.480 --> 00:19:51.400 take that out, put it the side, so that way, 401 00:19:51.799 --> 00:19:54.759