ilmscore | Prediction Details
"And you want to move to another country. You want to make a living off $100 a month in affiliate marketing. Uh, okay. Trying to make way more than that in affiliate marketing. I know you want to. Want to isn't actually what happens though. And I'm just talking real world cuz it would be a disservice to be like, 'Yes, I hope you do, too. Go ahead.' It's like I'm realistic about your numbers. Yeah. No. Yeah, for sure. I hope you do well. I hope you blow up. Uh, car market's not like the biggest market in the world. Some of the top creators have like a million followers. So, it's like it's still you can do well there, but it's also very saturated already. The car car the car. You would have to bring something that really shakes it up cuz I mean I I talk about this story here and there. This is not to jerk myself off. I want to be very clear. I'm just I'm applying my situation to you. The thing is no big finance creators were just all of a sudden blowing up and starting new things cuz the finance industry was pretty set. Dave Ramsey doing some phone calls, Graham Stefan, Andre J, you know, other people like that doing talking to the camera. I'm sure you did. That was the industry. People weren't breaking in. No, we h I you know, had this entire thing that came in and it was very different and it put a little in the industry and you know, we we were able to be one of the first channels to really break into the industry in a long time. It's the same thing with cars. The car market industry is very saturated, very solidified. you will need something completely different that has not been done before to really break in unless people just really ultra vibe with you and the algorithm just blesses you. But that is a rarity. Um I didn't see anything on there that's like blowing my mind. Wow. Wow. This hasn't been done before. Um, no, I mean it's it's niche in the sense that it's the classic car market that's a bit more niche than just which is getting you an even smaller market base. That is Yeah. Okay. Yes. That's not an insult. That's a reality. No. Yeah, it it is it is a small market. Um, it is it is a niche, but it I don't know there's it's still a pretty big community. There are a lot of other creators that are specifically more so and classic cars that have only been doing it so long. So I still don't understand your plan to break out. Right now I've been focusing on what's available in South Florida. There's a whole niche community on that. But if you're if you're moving then how are we getting it? So, how's this how's the South Florida one going to make sense when you're in Mexico? That that part doesn't make sense. But what does make sense that I ultimately want to do is find homes, second homes for these classic cars. Give them second life. You know, cars that have been on the road for 50, 40, 30 years. Seller. So that's the business, not the influencing, not brand deals, but that's part of it because you have to drive traffic for any business, right? So you do, but that's different than influencer cuz we're talking that's marketing. That's not being an influencer. That's marketing. Sure, you can mix both, but what you're talking about is just strictly marketing for a business you're trying to have. Also, if you're building these businesses, if if this is the business, it's about building up a local group, connections, whatnot, but it sounds like you're going to be everywhere. It sounds like you don't even know where you want to go. I mean, I feel like this is something that I can take almost anywhere. One, with my skills of being able to market it, with my skills in just videography, photography, what have you, especially in the automotive space, and also that there are old cars all over the planet, whether they're in Mexico City or in Barcelona, connections being built up, too. Uh, yeah, I mean, but there's already online marketplaces where people sell these. So, I can find owners in different parts of the world anyway. That's the whole point is like if I can find owners, I want to find a way for you to break out in your niche. I feel like there's not a strategy here. What's your Oh, I have old cars. Okay, good. What's the breakout strategy in Denise? Again, I gave you my example. I think people who are already interested. Does he have money to even do that? Um, well, no, cuz I'm not the one who's buying on the I would be a part of selling, right? Because I would be meeting with the people who already own these cars. So one, you have to using my platform in order to find buyers. So you have to market to the people that want to sell their car first and then you have to market to the people that want to buy the car of the person you marketed to sell the car. So you have to market to two different That's where the necessity of influence is. And that's also where it's different because I think but you're in a localized group, right? So right now, Uh, so, yeah. Right now I'm in a localized group. Yes. Okay. Yeah. So, and what's the metrics of the 2500 people? Are they all in Miami? Uh, so that's the funny thing is that not all of them are. A lot of them are in Europe and Latin America. Europe and Latin America already. H, how many what's the percentage in Miami? The percentage I I can't give you an exact percentage, dude. But that'll be some data I'd have to look at. You don't have this. I thought you said you were into your data. You know your data. You know your numbers. You know your people. You know your growth rate. But if it's a if it's if it's all about making money in the local area, this doesn't make sense. So far, I've been just focused on developing the community, you know, building a following, finding people who are passionate about this both locally and online. That's what I've been focused on is how do I build this community? How do I engage with them further? Because this is my most recent attempt. I would argue my first attempt at really being any type of influencer. Sure, I did YouTube when I was in high school. We already talked about you. Well, college college just happened for you. Okay. So, we have a freedom card. Yeah. $2,716.31. Minimum monthly payment $91. You're purchasing $179.79. Why are you purchasing on a card that you're not paying off that interest? Let's see. $64.39 of interest acred. I I've been this been the card that I've been reaching for in the event that I don't have money in my bank. I have money in your checking account. We saw your spending. It was hundreds of dollars. Um, there's been some spending on and sometimes I have there are needs like I've had to uh pay for maintenance on my current car, but it's basically maxed out. It takes 11 years to pay off if you don't even purchase and you make your minimums only. And we know you like to purchase. Um, I've been spending here. This is Chick-fil-A cafe. Cafe. I said that it was a bad habit. McDonald's cafe Chickfil-A CSCSW Cafe CSW. Okay. Laundry is okay. The CFCSW. Uh, yeah. Yeah. You don't have a laundry machine? Uh, no. Well, it's in my building, so it's Yeah. Going in getting some Bull. B2 Cafe special treats. Going in and getting some I've I've had the habit bad habit of of getting some and eating out. Yeah. No, you have a bad habit, but your goal is cutting back. You're not even You don't even know where you want to go. This makes no sense, dude. I mean, Bird Amish Foods rides, guys. It's Las Vegas. Uh, I got $20. I I had gotten the money back on that. That was like a course I was considering. I was like, "Ah, no, that." And I got I got the money back on that. Yeah. Yeah, some of those things also. You've had a late fee this year, huh? You've had a late lay fee this year. Uh, on that card? I mean, I've had a late fees on a few of my cards. By the way, wasn't this the bad habit that the fiance was upset about and you're like, uhoh, I'm not going to do that much anymore. Or at least I'm going to communicate it. So, she knows about every single one of those purchases. She knows she knows about those. That was those are last months. She knows about that. $500 in interest. So, where were we at? Like we're at like $3500 of interest this year so far. So, a single more than a whole month of your work, all the work you did last month, every single hour you put in, all the hours you didn't want to wake up, all the hours you were tired of work, all those hours gone. It was just to pay interest on things you've already purchased. This wasn't future purchases. This is why I was looking for, you know, ways to save money on the interest. And then I ended up in the whole, you know, credit consolidation Uh, yeah, yeah, it's a situation that uh I I need to handle between budgeting and uh and maybe giving ourselves more time where possible for this goal. Or goals. Um, but yeah, that card I I had been reaching for for that one especially because I had to uh, you know, invest in maintenance for the current car after selling the old one. What old one did you sell? I I sold the car that u that she was the one that she didn't like. That she didn't like. I sold it. What is your current car? I I drive a 2001 Camry. I I bought it used on marketplace for like $3,000 after Oh. Yeah, I mean, we're getting worth like 2160 20 216. Well, what made you sell the other car? Well, for one, it had I I it ended up just being too much between payments and insurance because it was a luxury car. It was an SUV, so wasn't great on gas. Wait, what was the purchase price on that car? What did you even get it for? It was It was 12,000 12,500. That's not that bad. Usually what I would advocate for for like a used car. It wasn't insanely high, but after how much money I had to put towards the debt and This debt. Yeah. Because I It didn't get like this overnight. It was already pretty bad before I even got that car. Okay. So, yeah. So, so I I mean I was paying like 350 on the payment, over 200 insurance after gas and everything. Like talking about like $700 a month. So, um that and she Yeah, she she even though it was a nice car and it wasn't the worst deal on a new car. Um, she felt like this wasn't the right time to be investing into a car like this. It's not investing into a car. I mean a used car. Like how much are you going to have to put into this car to keep it going? is the thing because like I'm like yeah like 8 8 to 10,000 hour car approved by multiple mechanics. It gets you to the place where you can drive it for a few years while you're getting out of the rest of your debt. I'm not saying get a $20,000 car, but I also don't want you to get a $3,000 car clocker that you in order to just get to your job requires you to put in two three four $5,000. That's when you don't have it. No, no, no, no. Um, do you know how long have you had this car? I've had it Let's see. I got it in April. Okay. So, it's been about four months. Not long. Not long. Um, but I did get it inspected. Um, $95 in the savings account. Okay. Or this checking account, I I mainly use that account to pay the credit cards and I'll put money aside in there. Typically, not gone from $43 to 95. Uh, Pixial Singapore card. I don't know what that is. Sing Singapore. What? Uh, I don't know. It looks like maybe a transaction fee. Okay. And then this checking account. This looks like the spending checking account. $6946. Yeah. Went and got some Hummingbirds. Spring Hill Rural King. I think those are just the farmers market. Do Well, why' you go you farmers markets more expensive than you can afford? We do. We go. That's where we do our grocery shopping. Support. Yeah, but dude, support your future goal. I mean, you can support everything you want, but you kind of have to focus when you have a limited income source on what you want to support. I want to pay off debt. I want to get a fully fun. I want you to get to where you want to move to. You can do that or you can go and spend more on everything you want to do. And if you choose that, that's fine. I'll support that as well. But choose what you want to do. You can't do it all. No, you you can't do it all mathematically. Farmers market. Farmers market. Going in get some Hulu. Spotify. H Peacock. Oh, and he overdrafted to get Peacock. No, no, no, no, no, no. That that that happened at the same time as my insurance payment because my my insurance on my car was I got the overdraft fee back, by the way. Insurance made an overdraft. and then Peacock made a second overdraft. I made I got both of those back. Great. Which yes, you can do when you put in the right money, but it's indicative of your behavior and spending. Why should we be having Peacock when we can't pay our debt when we're in the edge of being back and forth with cancelling subscriptions, but you have it right now, dude. And it's what made you overdraft. Apple bill. McDonald's is squared. Going in and getting into some That's TP. That's toilet paper. $100 of toilet paper. Uh, it lasts for a while. Better. Yeah, cuz TP fund is like a $100 a person. Okay. Which is anything else you need to survive outside of food and all the rest of the stuff we do. Cafe, spicy, nice pepper. Fruitful place. That's still farmers market. Yeah. Yeah, it's still This is so stupid. Julian's Julian's booby booby. I don't know. Going against some Selling up money. Miami old school AMC. Adobe for our 12,000 to 12. What is it? $2,500. I also use Adobe for my day job, which I've been trying to get them to pay for. Well, then they should pay for it. I agree. Uh, okay. That's That's laundry. That's fine. Cafe out of the closet. That's a thrift store, believe it or not. Yeah. Yeah, they're one of those smoke team water. And again, I'm good with charity, but it doesn't make sense to give to because you could give so much more to charity over the lifetime of your life if you actually buckle down, get out of debt, have a fully funed emergency fund, and then you can mathematically give more to charity than just a little bit here and there while you're trying to survive. See, that's great. Good cause, but like you can get so much more longer. Okay, sure. AMC, Chick-fil-A, Google One, Wendy's, and Cafe also. No. Yes, you may have gotten that 68 back, but you've paid an additional 68 this year so far in overdrafts. Okay. Robin Hood 67. So, I guess that's our retirement. 3154 started that. Yeah. Okay. This is silly. I don't really get it. Let's make a budget, please. All right, we got you with 3,300 for your income. Yep. Debt payments $459. Okay. That's your mortgage, your portion of your rent. Sorry. Uh, 900 is what I pay. Okay. 900. Uh utilities, everything combined, your portion, internet as well. It's about 100 bucks. Yeah. Between internet and electric. Good. Gas room vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom. Drive. Drive. I'll say about 150. Okay. Car insurance? Uh, just lower that to 64. 64. Okay. Yeah. Uh, food, you can do 300 to the pile. TP fund, 75 to the pile. Subscriptions, I'll give you 40. And I can give you some fun money. I'll give you like 100 with $190 of fund money. I can still have you at $1,000 left over, which do the math, pays it off in 22 months. That'd be great. 22 months. So, we're talking 2 and 1/2 years. Yeah, your debt's gone and you're in a fully funed emergency fund situation. Do that and then move. But we're not moving yet. We're not traveling yet. That's I mean, this is what where we're at, buddy. You just have to choose what you want. Yeah. I mean, I we want to move hopefully sooner rather than later, but you know the May not be there in 5 months. Well, here's what we're going to do. We're going to call your girlfriend in the post show and you are going to tell her no more travel. And I heard she might be pretty upset about that cuz she refuses to give up travel. But you're going to tell her that. Yeah. Okay. Well, we'll call her. Let's get her Hammer financial score. But before that, again, join Hammer Elite. Click that join button or link in the description below. And with that, three premium shows posted every day, Monday through Friday, including the post show for this episode. Spending a budget. Well, you overspent. Zero out of 10. Debt, no collections, but it's not the worst. Oh, but you were behind on debt. So, one out of 10. That was going to be like a two or three, but no. Emergency fund, nothing. 0 out of 10. Retirement. That's I'm not going to consider that. 0 out of 10. Real estate. No. 0. Wow. Okay. Well, barely rounded up.5 out of 10. Guys, I'm going to call the girlfriend. He's going to tell her no more travel. Put his foot down. I'll see you in the post show. Join Hammerly below. We just need to at least cut back. Like, we can't travel like the way we have been. Memories. What about the memories? That's that's not showing up in reality. Sounds really really selfish that you can travel your way to McDonald's and Chick-fil-A and stuff, but then you're saying no to getting on a flight. Like, just it's it's not adding up. Dylan told us that you guys were considering moving internationally in 5 months. Oh my god, did he really say that? Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content."
By Caleb Hammer | September 24, 2025 | Correct
From video
"Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit 01:19:14 - 01:36:14
Interpreted Prediction
The current financial trajectory and follower count are insufficient to support an international move in 5 months, especially given the substantial debt and low projected influencer income. The plan appears unrealistic without significant changes in spending and income generation.
AI Evaluation Notes
The prediction stated that moving internationally in 5 months was unrealistic without significant changes. Given the consumer's financial habits, debt, and income, it's highly unlikely they would have been able to move internationally within that timeframe, making the prediction essentially correct.

Prediction Details

Topic
Financial Impact of International Move

Comments

0 comments

Be the first to share your thoughts.

Like this prediction?

Join to make your opinion count.