The speaker's brother, a former journeyman plumber earning $40/hour with all benefits, relapsed after his mother's death and began abusing Adderall, leading to job and vehicle loss, and is now asking for money. This situation is presented as a cautionary tale in the context of financial planning.
"My whole life, my whole life, the examples I was given is what not to do and and some things I did not take heed to. But him, by him doing that, he's teaching me a lesson in itself. Um Um Um So, is he there now? Yeah, No, dude. He He's a journeyman plumber. He was making like $40 an hour. They bought him a whole set of trucks and tools and everything. He had everything he wanted, insurance. He just got a mortgage with his wife and he burned off. And he he wrecked his truck when he burned off. He I'm not going to say he's been asking me for"